1805 HORSETAIL DRIVE, ST CLOUD, FL, 34771
Active57 days on marketListed Jun 3, 2026MLS #O6413350
About this home
1805 HORSETAIL DRIVE
Virtually Staged. Under Construction. Stanley Martin builds new construction homes in the Brack Ranch community in St. Cloud, Florida. This neighborhood is ideally located midway between downtown Orlando and the beaches of Florida's east coast. You'll have the best of both worlds- the excitement of the city and the tranquility of the coast right at your fingertips. Downtown Orlando and its famous theme parks are just 25 miles away, and I-95 is only 35 miles away, making for an easy commute. With easy access to SR-417, SR-528, US-192, and Florida's Turnpike, your commute will be a breeze. Plus, with Orlando International Airport just a 15-minute drive away, travel is a breeze. It's not just about the surroundings: Brack Ranch is packed with amenities designed to enhance your lifestyle. Take a dip in the pool, relax in our clubhouse, or explore the many hiking trails. This brand-new, two-level single-family cottage home spans an impressive 2,198 square feet, offering a perfect blend of modern design and functionality. As you step inside, you are greeted by a clever open-concept layout that seamlessly connects the spacious kitchen, dining area, and living room, making it ideal for both entertaining guests and enjoying quiet moments. The first floor also features a convenient guest room and a powder room, ensuring comfort for visitors. Upstairs, the primary suite awaits, boasting a spacious walk-in closet and a double vanity bath, providing a serene retreat at the end of the day. Two additional bedrooms and a flex room offer ample space, while a thoughtfully placed laundry room adds to the home's practicality. With energy-efficient features and a rear two-car garage, the Overton exemplifies low-maintenance living without sacrificing space or style.*Photos are from a similar home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,198
Sqft
0.13 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$184
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 and the real association fee — not generic estimates.
$3,244 /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
$3,244/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
−13.2%
$/sqft vs BRACK RANCH
$184 vs $241
Days on market
57 vs 33 typical
Where $184/sqft sits among the 8 homes for sale in BRACK RANCH
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)
8 of 8
BRACK RANCH have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1805 HORSETAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$409,990
5618 STOCKADE BOULEVARD · same community
4 bd · 3 ba · 2,198 sqft · $187/sqft · 6 DOM
Sold · Jan ’26$418,560
5664 STOCKADE BOULEVARD · same community
4 bd · 3 ba · 2,198 sqft · $190/sqft · 46 DOM
Sold · May ’26$480,990
1895 HORSETAIL DRIVE · same community
4 bd · 3 ba · 2,210 sqft · $218/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.
Your agent
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1805 HORSETAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1805 HORSETAIL DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
1805 HORSETAIL DRIVE FAQs
What would the monthly payment be for 1805 HORSETAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,244/mo — principal and interest, the actual property-tax bill, the $93/mo association fee 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.
How much are the HOA fees at 1805 HORSETAIL DRIVE?+
The association fee works out to $93 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1805 HORSETAIL DRIVE?+
The most recent tax bill on record (2026) was $5,180. 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 1805 HORSETAIL DRIVE?+
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 $404,410, this home is listed about 5% 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 1805 HORSETAIL DRIVE?+
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 SM FLORIDA BROKERAGE LLC · Jason Walzer. MLS #O6413350.
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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