
4350 FANNY BASS ROAD, ST CLOUD, FL, 34772
Pending100 days on marketListed May 1, 2026MLS #S5148911
About this home
4350 FANNY BASS ROAD
Virtually Staged. **MOTIVATED SELLERS!** SELLERS WILL PAY UP TO $10K IN BUYERS CLOSING COSTS with acceptable offer. Beautiful 4-bedroom, 2-bath home on 2.83 fully fenced acres with a private pond, fishing pier, horse zoning, RV hookup, and room for boats, trailers, and all your big toys. Whether you dream of a hobby farm, fishing from your own dock, outdoor entertaining, or simply having room to breathe, this property offers the flexibility and freedom that's becoming harder to find in Central Florida. This meticulously maintained 4-bedroom, 2-bath home shows like a model and offers the perfect blend of country living and modern convenience. Step inside to a bright, open living room with vaulted ceilings, crown molding, and abundant natural light. The split-bedroom floor plan features a spacious primary suite with dual sinks, walk-in shower, private water closet, and generous walk-in closet, while the three additional bedrooms and a large guest bath provide plenty of space for family or guests. The kitchen and dining area are designed for everyday living and entertaining, offering a large island, abundant cabinetry and counter space, stainless steel appliances, a closet pantry, and sliding glass doors leading to the screened back porch. Enjoy your morning coffee on the covered front porch overlooking the pond, then unwind in the evening and watch cattle graze beyond the fence line with no subdivision behind you—just peaceful Florida countryside - where you can catch glimpses of Florida wildlife including deer and turkeys. The fully fenced property features multiple gates, cross fencing, a covered area for boat or equipment storage, a shed housing the water system, a small animal shelter suitable for goats or chickens, and an RV hookup already in place. Recent updates include a newer A/C (2021, under warranty) with the septic recently pumped. Conveniently located in South St. Cloud, you'll enjoy peaceful country living while still just minutes from Publix, Walmart, and the Florida Turnpike. Opportunities like this are becoming increasingly difficult to find—schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,560
Sqft
2.83 ac
Lot size
2015
Year built
One
Levels
$279
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,071 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,071/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4350 FANNY BASS ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4350 FANNY BASS ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4350 FANNY BASS ROAD FAQs
What would the monthly payment be for 4350 FANNY BASS ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,071/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4350 FANNY BASS ROAD?+
The most recent tax bill on record (2025) was $1,894. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4350 FANNY BASS ROAD?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $435,000, this home is listed about 1% above the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4350 FANNY BASS ROAD?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$435,000 runs 14% above the ST CLOUD 34772 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
100 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $475,000, now $435,000 — a $40K cut. The full history is in the market section below.
Listing courtesy of HELLO SUNSHINE REALTY LLC · Marcy Melby. MLS #S5148911.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New St Cloud homes, in your inbox
Like 4350 FANNY BASS ROAD but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kat to ping you on any price or status change →