Steeve Cadeau
$2,550,000$2,750,0007 bd9.5 ba9,304 sqft$274 /sqft$16,672 /mo all-in ↓

4510 PACKARD AVENUE, ST CLOUD, FL, 34772

Active141 days on marketListed Mar 4, 2026MLS #O6387386

Reduced $200KWaterfrontPrivate poolSingle Family ResidenceS L & I C

About this home

4510 PACKARD AVENUE

Imagine a property where luxury, privacy, and flexibility come together on nearly five picturesque acres. Welcome to 4510 Packard Avenue a truly one-of-a-kind custom estate offering three separate living quarters, resort style outdoor living, and endless possibilities for multi generational living, hosting guests, or creating income producing opportunities. The impressive main residence spans 9,304 heated square feet and is complemented by a private garage apartment complete with its own entrance and full kitchen. A separate 1,469 square foot guest house with three bedrooms and two bathrooms creates a rare estate designed to comfortably accommodate extended family, long term visitors, live in staff, or a private home office all while maintaining privacy for everyone. A spring fed pond creates a stunning first impression as you arrive, leading to interiors filled with soaring ceilings, natural light, and exceptional craftsmanship. At the heart of the home, the chef’s kitchen was designed for both everyday living and unforgettable entertaining. Outfitted with premium Wolf appliances including double wall ovens, a six-burner range, steam oven, and microwave it also features two farmhouse sinks, two dishwashers, an oversized 10’ x 6’ island, a generous walk in pantry with its own farmhouse sink, a dedicated two person workspace, breakfast nook, and an expansive laundry room. The Great Room seamlessly blends indoor and outdoor living with dramatic 10 foot accordion doors that open to your private backyard resort. Lounge beside the sparkling saltwater pool, unwind on the bubbling sun shelf, relax beneath multiple cabanas, or entertain effortlessly in an outdoor setting designed for gatherings of every size. The first floor primary suite offers a peaceful retreat with a spa inspired marble bath, soaking tub, quartz vanities, and elegant designer finishes. Also on the main level are an en-suite guest bedroom, fitness room, powder bath, and abundant storage. Upstairs, four additional en-suite bedrooms surround a spacious game room, while a hidden speakeasy style theater delivers an unforgettable movie experience with a 4K laser projector, 135 inch screen, immersive surround sound, and nine reclining leather seats. Beyond the home, a substantial barn provides exceptional flexibility for car enthusiasts, hobbyists, equipment storage, workshop space, or recreational vehicles. Despite its peaceful estate setting, the property is conveniently located near world class medical facilities, shopping, dining, and major highways, offering the perfect balance of privacy and accessibility. Opportunities to own an estate offering this level of craftsmanship, resort style amenities, and true multi residence living are exceptionally rare. Welcome home to 4510 Packard Avenue.

Facts & features

The home at a glance

7

Bedrooms

9.5

Bathrooms

9,304

Sqft

4.87 ac

Lot size

3

Garage

2022

Year built

Three Or More

Levels

$274

Per sqft

Private poolWaterfrontFireplaceTrees/Woods & Water viewNegotiable

Inside

FlooringCarpet · Luxury Vinyl
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer · Water Filtration System
InteriorBuilt-in Features · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Sauna · Skylight(s) · Smart Home · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionHardiPlank Type · Wood Frame
FoundationSlab
ViewTrees/Woods · Water
FacesEast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Open · Oversized
ExteriorAwning(s) · Dog Run · Lighting · Outdoor Grill · Private Entrance · Private Mailbox · Private Yard · Rain Gutters · Sliding Doors · Storage

Community & fees

Taxes (2025)$21,551/yr

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Natural Gas Available · Phone Available · Street Lights · Water Connected
WaterPrivate · Well

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$16,672 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$13,760
PMI (est., until 20% equity)$956
Property tax — 2025 actual bill$1,796
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $255,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $255,000
Interest rate6.00%
Loan term

Estimated payment

$16,672/mo

Principal & interest$13,760
PMI (est., until 20% equity)$956
Property taxes (actual bill)$1,796
Est. insurance$160

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

$274 vs $327

Days on market

141 vs 33 typical

Where $274/sqft sits among the 38 homes for sale in S L & I C

6
9 · this home
11
4
3
5
$216–268$268–319$319–371$371–422$422–474$474+

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

Map of 4510 PACKARD AVENUE

Drive times from this address

Universal Orlando45 min
Walt Disney World46 min
Orlando Int’l Airport (MCO)46 min
Downtown Orlando46 min

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

ElementaryHickory Tree Elementary School★★★★★
MiddleSt. Cloud Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

18 of 38

S L & I C have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 589% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,550,000 $200K
Mar 4, 2026Listed at $2,750,000 · 141 days on market since
2022Built · S L & I C

Reality check

What actually sold near 4510 PACKARD AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2851 WAGON COURTSold · Mar ’26

$1,325,000

2851 WAGON COURT · same community

4 bd · 4.5 ba · 5,584 sqft · $237/sqft · 124 DOM

3740 KISSIMMEE PARK ROADSold · Jun ’26

$857,500

3740 KISSIMMEE PARK ROAD · same community

4 bd · 3.5 ba · 3,344 sqft · $256/sqft · 142 DOM

4355 LAKE GENTRY ROADSold · Apr ’26

$1,200,000

4355 LAKE GENTRY ROAD · same community

4 bd · 4.5 ba · 3,173 sqft · $378/sqft · 0 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4510 PACKARD AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4510 PACKARD 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

4510 PACKARD AVENUE FAQs

What would the monthly payment be for 4510 PACKARD AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,672/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 4510 PACKARD AVENUE?+

The most recent tax bill on record (2025) was $21,551. 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 St Cloud?+

At $2,550,000, this home is listed about 500% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4510 PACKARD AVENUE?+

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

$2,550,000 runs 589% above the ST CLOUD 34772 median — but at 9,304 sqft it's also nearly 5 times the size of the typical St Cloud listing.

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

141 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $2,750,000, now $2,550,000 — a $200K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Kris Kennedy. MLS #O6387386.

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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