3145 Packard Ave, photo 1
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Overview

5 bd5 ba3,358 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1977
Lot209,262 sqft
Living area3,358 sqft
Price / sqft$256
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)ThermostatConvection OvenDishwasherDisposalMicrowaveRangeRefrigerator

3145 Packard Ave is a 1977-built home in S L & I C, St Cloud. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,358 square feet of living space. Listed at $859,900 (about $256/sqft), 38 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Space, privacy, and zero restrictions — this nearly 5-acre estate is a rare find in Central Florida. Sitting on 4.8 sprawling acres with no HOA, this 5-bedroom, 4.5-bathroom home gives you the freedom to live, build, and grow exactly how you want, whether that's room for horses, RVs, a boat, or simply the peace of wide-open land. Step inside to a fully renovated interior featuring a brand-new kitchen, updated bathrooms, and new flooring throughout — move-in ready with none of the guesswork. A 2022 roof means major system worries are already handled, and the paid-off solar panels (included with the sale) offer the next owner dramatically lower utility bills from day one, a rare and valuable upgrade that pays for itself. With five bedrooms and four and a half baths, there's room for large families, multi-generational living, or guests, while the acreage offers endless possibilities: a future pool, workshop, guest house, or hobby farm, all just minutes from Downtown St. Cloud's shops and restaurants and a short drive to Lake Nona, Medical City, and Orlando's major employment corridors. Properties with this much usable land, this close to town, and with no HOA rarely come available — schedule your private showing before this one is gone.

The essentials

Built
1977
Price / sqft
$256
On market
38 days
Annual tax
$8,232
Flood zone
X · Low risk
Lot
209,262 sqft
Type
Single Family Residence

At a glance

Single family
Built 1977
2 car garage
4.80 acres
Lot size
3,358 sqft
Living area

Payment

Est. monthly payment
$5,601/mo
Down payment (20%)
$171,980
Property taxes
$686/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1977
Lot
209,262 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
38
Ceiling Fans(s)
Thermostat
Convection Oven
Dishwasher
Disposal
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$8,232
Parcel #
19-26-31-4950-0001-1070

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
S L & I C
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
209,262 sqft

Price history

Date
Event
Price
9/26/2026
Price change
Source: Stellar MLS #O6439242
$859,900-4.4%
$256/sqft
9/4/2026
Listed for sale
Source: Stellar MLS #O6439242
$899,900
$268/sqft

Neighborhood

3145 Packard Ave
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $859,900
$855,000 – $859,900
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 377 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 38 after a $40,000 cut.

Sample: 377 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,601/mo
Principal & interest$4,485
Property taxes$686
Insurance$430
Down payment20% · $171,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. 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

$859,900

$256 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,358 sq ft

Time on market

38 days

Year built

1977

Monthly payment

About $5,601/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,232 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byVESTI LLCListing agent: Juan Vanegas MontoyaListing data from Stellar MLS, MLS# O6439242.

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