4865 MEADOW DRIVE, ST CLOUD, FL, 34772
Active0 days on marketListed Jul 24, 2026MLS #S5154301
About this home
4865 MEADOW DRIVE
Located in the St. Cloud Manor his 3-bedroom, 2-bath home offers an open floor plan, no HOA, and an oversized lot with plenty of space for parking and storage. The property features a 22' x 24' detached two-car garage with a mini-split system, making it an excellent workshop, hobby space, or climate-controlled storage area. A covered carport is ideal for a boat, trailer, or extra vehicle, while the oversized driveway offers additional parking. Conveniently located just minutes from Florida's Turnpike, shopping, restaurants, schools, lakes, and other local amenities, this home combines a functional layout with a location that makes commuting and everyday errands easy. If you're looking for a property with extra storage, flexible workspace, and no HOA restrictions, this home is one you won't want to miss.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,652
Sqft
0.32 ac
Lot size
2
Garage
2002
Year built
One
Levels
$242
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.
$3,042 /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
$3,042/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+12%
Days on market
0 vs 33 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St. Cloud Manor Village
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 Manor Village — neighborhood snapshot
Population
884
Median age
36
Median income
$80,575
Median home value
$311,300
Avg household
3
Households w/ children
95%
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
$414K → $400K
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 8% 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 4865 MEADOW DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4865 MEADOW DRIVE — 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
4865 MEADOW DRIVE FAQs
What would the monthly payment be for 4865 MEADOW DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,042/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 4865 MEADOW DRIVE?+
The most recent tax bill on record (2025) was $4,209. 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 4865 MEADOW DRIVE?+
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 $399,999, this home is listed about 6% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4865 MEADOW DRIVE?+
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.
Listing courtesy of TIE TEAM REALTY LLC · Bryrie Brown. MLS #S5154301.
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.
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