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