4125 rambler avenue, Saint Cloud FL 34772, SAINT CLOUD, FL, 34772
Active65 days on marketListed Jun 1, 2026MLS #A12028815
About this home
4125 rambler avenue, Saint Cloud FL 34772
A rare waterfront paradise with endless potential & no HOA. Expansive 4.89-acre lot in St. Cloud, this unique property offers the ultimate blend of country privacy, near city lifestyle, and limitless opportunity. Positioned beautifully along a tranquil, stocked pond with 200+ feet of private water frontage and its own dock. The existing 3-bedroom, 2-bathroom pool home boasts great bones and architectural character, featuring a spacious kitchen with an island, and a highly desirable split-floor plan. While the interior needs some tender loving care, including flooring replacement and bathroom renovations, presents the opportunity to customize a luxury estate exactly to their liking. A massive, screened-in enclosure houses a sparkling swimming pool, expansive paver decking, and a sun-shaded lounge area. Plenty of room for an additional workshop, guest house, or detached garage. Choose between "The Renovation Dream" Restore and elevate the existing home to create a private, modern waterfront retreat, "Build Fresh" Utilize the massive, private acreage to design & build your dream custom estate from the ground up or "Development Potential" Take advantage of the nearly 5-acre footprint to explore splitting the lot for multiple homesites. In 2019 major updates were completed including: roof, electric, plumbing, a/c ducts, windows, water heater, pool deck and surface. This property delivers rural tranquility without sacrificing convenience. Bring your design ideas, or your builder.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,496
Sqft
1975
Year built
$381
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.
$3,886 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,886/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs S L & I C
$381 vs $321
Days on market
65 vs 112 typical
Where $381/sqft sits among the 40 homes for sale in S L & I C
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 Saint Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Saint Cloud. See the full Saint Cloud guide →
SAINT 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 Saint Cloud market
$400K → $465K
Saint Cloud median sold, yr/yr
24 of 40
S L & I C have cut their price
Median sold price, Saint Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 52% above the SAINT CLOUD 34772 median. See the full Saint Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4125 rambler avenue
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$325,000
285 GRAPE AVENUE · same community
3 bd · 2 ba · 1,522 sqft · $214/sqft · 69 DOM
Sold · Sep ’25$370,000
4216 LA SALLE AVENUE · same community
3 bd · 2 ba · 1,456 sqft · $254/sqft · 28 DOM
Sold · Jan ’26$275,000
3961 RAMBLER AVENUE · same community
3 bd · 2 ba · 1,782 sqft · $154/sqft · 12 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4125 rambler avenue — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4125 rambler avenue — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
4125 rambler avenue FAQs
What would the monthly payment be for 4125 rambler avenue, Saint Cloud FL 34772?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,886/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 4125 rambler avenue, Saint Cloud FL 34772?+
The most recent tax bill on record (2025) was $5,240. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Saint Cloud?+
At $570,000, this home is listed about 11% above the Saint Cloud median of $515,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4125 rambler avenue, Saint Cloud FL 34772?+
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
Three things that matter here
01Positioned at the premium end
$570,000 runs 52% above the SAINT 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.
03The price has already moved
Listed at $599,000, now $570,000 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP Realty LLC · Cristina Candelaria. MLS #A12028815.
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 Miami Association of REALTORS®.
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