9185 CONCORD ROAD, ST CLOUD, FL, 34773
Active17 days on marketListed Jul 2, 2026MLS #S5152850
About this home
9185 CONCORD ROAD
Situated on a spacious corner lot spanning nearly an acre, this beautifully updated 3-bedroom, 2-bathroom home offers the perfect combination of modern finishes, open living spaces, and room to spread out. Surrounded by mature trees and an expansive yard, this property provides the ideal blend of privacy, functionality, and country charm, all while remaining conveniently close to shopping, dining, schools, and everyday amenities. Step inside to discover a bright, open-concept floor plan featuring updated flooring throughout, abundant natural light, and stylish finishes. The expansive living room flows effortlessly into the beautifully renovated kitchen, creating the ideal space for entertaining and everyday living. The kitchen showcases sleek quartz countertops, updated cabinetry with modern hardware, stainless steel appliances, abundant storage, and a breakfast bar perfect for casual meals or gathering with family and friends. The spacious primary suite offers a peaceful retreat with generous closet space and an updated en-suite bathroom. Two additional bedrooms provide comfortable accommodations for family, guests, or a home office, while the second full bathroom has also been tastefully updated with modern finishes. Step outside to enjoy the oversized screened porch, offering the perfect place to relax, entertain, or enjoy Florida's beautiful weather year-round. The expansive yard provides endless possibilities for gardening, recreation, animals, or future additions. A large detached workshop/garage with electricity offers exceptional space for hobbies, storage, equipment, or the perfect workshop, while the covered chicken coop is ready for those looking to enjoy a homestead lifestyle. With nearly an acre of land, there's plenty of room for boats, RVs, trailers, outdoor toys, or future improvements. Conveniently located near shopping, dining, schools, the Saint Cloud Lakefront, and major roadways, this move-in-ready property offers the perfect blend of updated comfort, generous outdoor space, and everyday convenience—all with no HOA.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,222
Sqft
0.89 ac
Lot size
1984
Year built
One
Levels
$225
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.
$2,133 /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
$2,133/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.
$/sqft vs St Cloud actives
$225 vs $221
Days on market
17 vs 33 typical
Where $225/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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
189 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 13% below the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 9185 CONCORD ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$297,500
9180 CONCORD ROAD · same community
3 bd · 2 ba · 1,440 sqft · $207/sqft · 36 DOM
Sold · Aug ’25$320,000
5303 HOLOPAW ROAD · same community
4 bd · 2 ba · 1,512 sqft · $212/sqft · 298 DOM
Sold · Sep ’25$247,500
9075 LINCOLN ROAD · same community
2 bd · 2 ba · 904 sqft · $274/sqft · 40 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 9185 CONCORD ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9185 CONCORD ROAD — 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
9185 CONCORD ROAD FAQs
What would the monthly payment be for 9185 CONCORD ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,133/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 9185 CONCORD ROAD?+
The most recent tax bill on record (2025) was $2,791. 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 $275,000, this home is listed about 35% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9185 CONCORD ROAD?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5152850.
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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