Steeve Cadeau
$795,0004 bd4 ba2,424 sqft$328 /sqft$5,002 /mo all-in ↓

1300 S NARCOOSSEE ROAD, ST CLOUD, FL, 34771

Active47 days on marketListed Jun 7, 2026MLS #S5151436

Single Family ResidenceRUNNYMEDE NORTH HALF TOWN OF

About this home

1300 S NARCOOSSEE ROAD

Attention auto collectors and car enthusiasts!! Four-car garage plus two double carports to store all your vehicles!! Custom-built well-cared-for and immaculate 2-story home on 2.38 acres. This home was built by the owner and it is one of the best-designed homes we've ever seen! Drive up and pull around on the huge paved driveway, away from traffic and click open the garage door. There are two oversized and connected 2-car garages, which lead up a couple of steps to the main home, or another door leads directly to the master bath. The main floor consists of a great room, with an open kitchen, dining room and huge living room wired for surround-sound speakers, and sliding glass doors out to the screened lanai. From the lanai there is a concrete pad for the barbecue, or just open space for you to enjoy nature. The kitchen has wraparound granite counters, breakfast bar with seating, lots of wood cabinets, and all appliances will stay, including one washer and dryer. The dining area has a tray ceiling. The entire home has high ceilings that make for a spacious feeling. The primary suite has a large bedroom with sliding glass doors out to the lanai, and a private bath with walk-in closet and huge tiled walk-in shower plus dual sinks. This bath leads out to the two garages. Back inside there is bedroom 2, with its own attached full bath. Bedroom 3 has the hall bath, which is the third full bath. Each of these bedrooms has spacious double closets. Going up the wooden staircase, see bedroom 4 on your right, with its own bath, to include a glass-door tiled tub/shower, and walk-in closet. This room also has an ironing board closet. There is a large bonus room, perfect as a media center, or game room. There is storage in the attic room. Outside the front double doors, see the wide and welcoming front porch. There are two RV carports, with hot water, and a storage shed. There are three lots being sold all together. The home is on the middle lot, and the two other properties are buildable lots. Each parcel has its own parcel ID, so you will not need to do a lot split if you just want to sell one lot, or both side lots. There is a termite bond on the property, and a water softener system. There is no HOA here, and the property is on well and septic, to save you money on water bills. Brand-new roof in December 2025. Located on Narcoossee Road, with easy access to the Greenway 417, Lake Nona Medical City, and a short drive to Orlando Int'l Airport.

Facts & features

The home at a glance

4

Bedrooms

4

Bathrooms

2,424

Sqft

2.38 ac

Lot size

4

Garage

2005

Year built

Two

Levels

$328

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile · Hardwood
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Water Softener
InteriorCeiling Fan(s) · High Ceilings · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesEast
ParkingGarage Door Opener · Garage Faces Side · Ground Level · RV Carport · Split Garage · Workshop in Garage
ExteriorOutdoor Shower · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

Taxes (2025)$3,051/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Fire Hydrant · Public · Street Lights
WaterWell

The numbers

What it really costs

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

$5,002 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,290
PMI (est., until 20% equity)$298
Property tax — 2025 actual bill$254
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $79,500Loan30-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% · $79,500
Interest rate6.00%
Loan term

Estimated payment

$5,002/mo

Principal & interest$4,290
PMI (est., until 20% equity)$298
Property taxes (actual bill)$254
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 St Cloud actives

$328 vs $221

Days on market

47 vs 33 typical

Where $328/sqft sits among the 400 St Cloud actives

98
128
88
39
12 · this home
35
$156–192$192–228$228–264$264–300$300–336$336+

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 1300 S NARCOOSSEE ROAD

Drive times from this address

Orlando Int’l Airport (MCO)33 min
Downtown Orlando38 min
Universal Orlando40 min
Walt Disney World41 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

ST CLOUD 34771 — neighborhood snapshot

Population

31,368

Median age

38.6

Median income

$101,434

Median home value

$427,500

Avg household

3.21

Households w/ children

4,183

For the school run

Osceola County School District

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee 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)

194 of 400

St Cloud actives have cut their price

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

This home is listed 87% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Jun 7, 2026Listed at $795,000 · 47 days on market since
2005Built · RUNNYMEDE NORTH HALF TOWN OF

Reality check

What actually sold near 1300 S NARCOOSSEE ROAD

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

4873 OLD OAK TRAILSold · Nov ’25

$865,000

4873 OLD OAK TRAIL · same community

4 bd · 3 ba · 2,534 sqft · $341/sqft · 196 DOM

4873 CHISHOLM PARK TRAILSold · Jan ’26

$440,000

4873 CHISHOLM PARK TRAIL · same community

4 bd · 2 ba · 1,647 sqft · $267/sqft · 39 DOM

420 KETCH ROADSold · Feb ’26

$465,000

420 KETCH ROAD · same community

3 bd · 2 ba · 1,460 sqft · $318/sqft · 63 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 1300 S NARCOOSSEE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1300 S NARCOOSSEE ROAD — 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

1300 S NARCOOSSEE ROAD FAQs

What would the monthly payment be for 1300 S NARCOOSSEE ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,002/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 1300 S NARCOOSSEE ROAD?+

The most recent tax bill on record (2025) was $3,051. 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 1300 S NARCOOSSEE 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 $795,000, this home is listed about 87% 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 1300 S NARCOOSSEE ROAD?+

Lakeview Elementary School (elementary), Narcoossee 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 ASSIST 2 SELL ACE FULL SERVICE REALTY · Don Ruizzo. MLS #S5151436.

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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