Eric Chery
$849,9004 bd3.5 ba3,462 sqft$245 /sqft$5,562 /mo all-in ↓

4295 RAMBLER AVE, ST CLOUD, FL, 34772

Active41 days on marketListed Jun 8, 2026MLS #S5150844

Private poolSingle Family ResidenceS L & I C

About this home

4295 RAMBLER AVE

Virtually Staged. Tucked beneath mature oaks on 2.44 fenced acres, this custom property was built for buyers craving space, flexibility, and the freedom to live differently. Bring the RV, boat, trailers, chickens, hobbies, and toys, there’s room for all of it here. Centered around a screened saltwater courtyard pool and spa with outdoor shower, the home was designed for indoor-outdoor living with French doors opening to the courtyard from multiple rooms throughout the home. Inside, the 3.5 bath, 4 bedroom (could be 5) split floorplan offers multiple flexible living spaces, including a formal dining room, breakfast nook, family room, oversized great room/game room, and a front flex space ideal for a home office, bonus room, or additional living area. Rich wood cabinetry, quartz countertops, stainless appliances, gas cooktop with pot filler, double convection ovens, oversized island, stacked stone accent walls, and an Old World wood and iron entry door add warmth and character throughout the home.The 40x30 red iron building with electric, water, and 4 oversized roll-up doors easily accommodates RVs, boats, trailers, work vehicles, workshop needs, or recreational storage. The property also features horse stalls, chicken coop, fenced garden area with irrigation, whole-property irrigation, separate irrigation well, electric gate, covered front porch, concrete safe room with impact-proof glass window, new tankless water heaters, and new metal roof installed in 2025.Despite its peaceful country setting, the property is conveniently located just minutes from the Florida Turnpike and historic downtown St. Cloud, known for its lakefront, locally owned shops, coffee spots, restaurants, and small-town charm.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,462

Sqft

2.44 ac

Lot size

2008

Year built

One

Levels

$245

Per sqft

Private poolPets allowed

Inside

FlooringBamboo · Engineered Hardwood · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Gas Water Heater · Ice Maker · Microwave · Refrigerator · Tankless Water Heater · Water Softener · Wine Refrigerator
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionBlock · Stone · Stucco
FoundationSlab
FacesWest
ParkingBoat · Oversized · RV Garage · RV Parking
ExteriorDog Run · French Doors · Garden · Irrigation System · Lighting · Outdoor Shower · Storage

Community & fees

Taxes (2025)$5,973/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected · Propane · Sprinkler Well
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.

$5,562 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property tax — 2025 actual bill$498
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $84,990Loan30-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% · $84,990
Interest rate6.00%
Loan term

Estimated payment

$5,562/mo

Principal & interest$4,586
PMI (est., until 20% equity)$319
Property taxes (actual bill)$498
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.

List $850K
$816KedgeAI estimate $1,274,477 · range $1.1M$1.6M$1.7M

vs edgeAI estimate

−33.3%

$/sqft vs S L & I C

$245 vs $326

Days on market

41 vs 33 typical

Where $245/sqft sits among the 38 homes for sale in S L & I C

5 · this home
11
10
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 4295 RAMBLER AVE

Drive times from this address

Orlando Int’l Airport (MCO)42 min
Universal Orlando46 min
Downtown Orlando48 min
Walt Disney World51 min

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)

17 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 130% above the ST CLOUD 34772 median. See the full St Cloud market guide →

Paper trail

This home's history

Jun 8, 2026Listed at $849,900 · 41 days on market since
2008Built · S L & I C

Reality check

What actually sold near 4295 RAMBLER AVE

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

4121 ALBRITTON ROADSold · Nov ’25

$800,000

4121 ALBRITTON ROAD · same community

4 bd · 3 ba · 3,354 sqft · $239/sqft · 46 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

5150 GENTRY OAKS PLACESold · Feb ’26

$1,450,000

5150 GENTRY OAKS PLACE · same community

4 bd · 4 ba · 3,656 sqft · $397/sqft · 14 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 4295 RAMBLER AVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4295 RAMBLER AVE — 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.

Goes straight to Eric’s phone and CRM.

Straight answers

4295 RAMBLER AVE FAQs

What would the monthly payment be for 4295 RAMBLER AVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,562/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 4295 RAMBLER AVE?+

The most recent tax bill on record (2025) was $5,973. 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 4295 RAMBLER AVE?+

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 $849,900, this home is listed about 100% 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 4295 RAMBLER AVE?+

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 KEYSTONE RESIDENTIAL GROUP LLC · Lisa Bertossa. MLS #S5150844.

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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