4202 CRACKER COURT, ST CLOUD, FL, 34772
Active0 days on marketListed Aug 2, 2026MLS #S5153969
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Upcoming open house
Sun, Aug 2
2:00 PM – 5:00 PM
About this home
4202 CRACKER COURT
Welcome to this well-maintained 3-bedroom, 2-bath home with a versatile bonus room, located on a quiet cul-de-sac in the established Canoe Creek Lakes community of St. Cloud. Offering 1,881 square feet of living space, this home features an open floor plan with cathedral ceilings, ceramic tile flooring throughout (no carpet), and abundant natural light. The spacious kitchen offers ample cabinet and counter space, includes all kitchen appliances, and opens to the breakfast nook overlooking the fenced backyard, creating a functional layout for everyday living and entertaining. Major updates include a roof (2019), HVAC system (2022), solar water heater (2019), and fence (2019), providing added value and peace of mind. One of the standout features is the fully paid-off solar panel system, allowing the new owner to enjoy the benefits of renewable energy without assuming a solar loan or lease. The system includes approximately 20 years of remaining manufacturer warranty and maintenance coverage, offering long-term value and the potential for reduced monthly electricity costs, depending on individual energy usage. Situated on a cul-de-sac with a 2-car attached garage, the property also benefits from no CDD fees and a low HOA. Conveniently located near shopping, restaurants, schools, medical facilities, major roadways, Orlando International Airport, Lake Nona Medical City, and Central Florida attractions, with easy access to both the Atlantic coast and Gulf Coast.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,881
Sqft
0.2 ac
Lot size
2
Garage
2005
Year built
One
Levels
$213
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.
$2,940 /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
$2,940/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
+5%
Days on market
0 vs 33 typical
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 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
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 4202 CRACKER COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4202 CRACKER COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4202 CRACKER COURT FAQs
What would the monthly payment be for 4202 CRACKER COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,940/mo — principal and interest, the actual property-tax bill, the $27/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 4202 CRACKER COURT?+
The association fee works out to $27 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4202 CRACKER COURT?+
The most recent tax bill on record (2025) was $2,661. 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 4202 CRACKER COURT?+
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 $400,000, this home is listed about 6% 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 4202 CRACKER COURT?+
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 EXP REALTY LLC · Edgar Otero. MLS #S5153969.
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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