Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- BRACK RANCH
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$93/mo
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
1812 Horsetail Dr is a 2026-built home in Brack Ranch, St Cloud. Inside you'll find 5 bedrooms, 5 bathrooms, and 2,856 square feet of living space. Listed at $544,490 (about $191/sqft), 24 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $278.5 quarterly.
Virtually Staged. Under Construction. ***OCTOBER DELIVERY!*** Discover the Chester E at Brack Ranch on Lot 338 at 1812 Horsetail Dr. This 5-bedroom home offers the flexibility today’s buyers want, including a *MAIN-LEVEL BEDROOM* ideal for guests, multi-generational living, or a private work-from-home retreat. Enjoy open-concept living, a spacious *LOFT*, comfortable gathering spaces, and a *LANAI* designed for relaxing or entertaining. Brack Ranch brings resort-style amenities to your doorstep, including a pool, cabana, tot lot, dog park, and trails, all in a convenient St. Cloud location close to Orlando, shopping, dining, and daily essentials. Experience comfort, connection, and convenience in a vibrant new-home community. Secure this October delivery opportunity before it’s gone—schedule your tour today! Photos shown are of a similar home and are for illustrative purposes only.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 469 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$544,490
$191 per sq ft
Beds and baths
5 beds, 5 baths
Size
2,856 sq ft
Time on market
24 days
Year built
2026
Monthly payment
About $3,703/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,967 annual tax bill, insurance, and the $278.5/qtr HOA fee.
HOA fee
$278.5/qtr
Managed by Empire Management.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
Offer
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