5054 ARRAPAHOE STREET, ST CLOUD, FL, 34771
Active111 days on marketListed Apr 3, 2026MLS #S5146115
About this home
5054 ARRAPAHOE STREET
Near Lake Nona & Sunbridge, No HOA, Huge Lot Location is everything—and this one delivers. Just minutes from Lake Nona and near Sunbridge, two of the fastest-growing and most desirable areas in Central Florida. Enjoy quick access to top-rated hospitals, dining, shopping, and entertainment while living with more space and fewer restrictions. Situated on an oversized 0.32-acre lot, this property offers something increasingly rare: NO HOA, NO CDD, and total freedom. Bring your boat, RV, or multiple vehicles—no limitations. Inside, you’ll find no carpet throughout, creating a clean, modern, and low-maintenance living environment. Plus, the roof was replaced in 2025, providing peace of mind and immediate value. Step outside to a spacious backyard featuring a covered deck, perfect for relaxing, entertaining, and making the most of your large private outdoor space. The combination of prime location (Lake Nona + Sunbridge), large lot, and no restrictions is hard to find—and exactly what today’s buyers are looking for. Opportunities like this don’t last. Schedule your private showing today before it’s gone.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,967
Sqft
0.32 ac
Lot size
2
Garage
1991
Year built
Two
Levels
$224
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.
$3,368 /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
$3,368/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
−8.9%
$/sqft vs St Cloud actives
$224 vs $221
Days on market
111 vs 33 typical
Where $224/sqft sits among the 400 St Cloud actives
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
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 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
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)
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 3% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5054 ARRAPAHOE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$490,000
2380 SHEPHERD AVENUE · same community
3 bd · 2 ba · 1,152 sqft · $425/sqft · 306 DOM
Sold · Jul ’26$475,000
4875 CALASANS AVENUE
3 bd · 2 ba · 1,985 sqft · $239/sqft · 11 DOM
Sold · Sep ’25$410,000
5430 PINE LILLY DRIVE
4 bd · 2 ba · 1,990 sqft · $206/sqft · 102 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5054 ARRAPAHOE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5054 ARRAPAHOE STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
5054 ARRAPAHOE STREET FAQs
What would the monthly payment be for 5054 ARRAPAHOE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,368/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 5054 ARRAPAHOE STREET?+
The most recent tax bill on record (2025) was $5,078. 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 $440,000, this home is listed about 4% 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 5054 ARRAPAHOE STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of NAIM REAL ESTATE LLC · Luis Castellano. MLS #S5146115.
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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