1860 Mustang CT, photo 1
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Overview

4 bd2 ba1,899 sqft4 car garageSingle Family
TypeSingle Family
HOANone listed
Built1996
Lot98,838 sqft
Living area1,899 sqft
Price / sqft$316
Garage4 car

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

About this home

Ceiling Fans(s)High CeilingsIN Wall Pest SystemKitchen/Family Room ComboOpen FloorplanSolid Wood CabinetsSplit BedroomVaulted Ceiling(s)

1860 Mustang CT is a 1996-built home in Bay Lake Ranch Unit 3, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,899 square feet of living space. Listed at $599,900 (about $316/sqft), 322 days on market. Flood zone X, AE - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

One or more photo(s) has been virtually staged. HONEY, STOP THE CAR!! BAY LAKE RANCH HOME ON 2.27 ACRE LOT at the END OF CUL-DE-SAC. UPDATES: METAL ROOF (2012), A/C (2017), Rheem Performance TANKLESS WATHER HEATER (2023), Rheem WiFi-Enabled Smart WATER SOFTENER (2023), Briggs & Stratton 20KW WHOLE-HOME GENERATOR (2022) with a 500-GALLON PROPANE TANK, and LG RANGE, REFRIGERATOR, WASHER AND DRYER (2021). Nestled under a canopy of lush landscaping and mature oak trees, this custom 4-bedroom, 2-bath home sits on a 2.27-acre lot with NO HOA in the highly sought-after Bay Lake Ranch community. Located in a cul-de-sac and bordered by the 1,100-acre Lake Lizzie Conservation Area, the property offers exceptional privacy and natural beauty. This well-maintained home features an open floor plan, split bedrooms, and a 32x10 covered, screened lanai ideal for entertaining. Skylights fill the home with natural light. Additional highlights include LEXAN HURRICAN SHUTTERS and irrigation to maintain the lush landscaping. Step inside to a spacious living room with a BAY WINDOW, flowing into the dining room with views of the backyard. The kitchen offers a VAULTED CEILINGS, BREAKFAST BAR with stools, large sliding PASS-THROUGH WINDOW to the lanai, granite countertops, wood cabinets with wine glass holders, magnetic utensil rack, and an LG REFRIGERATOR with French doors, double drawers, and KRAFT ICE MAKER. A closet pantry provides ample storage. The family room features tile floors and large sliders that open to the backyard. The SPLIT FLOOR PLAN places the primary suite on one side of the home. The primary bedroom includes DOUBLE SLIDERS that fully open for abundant natural light and excellent cross ventilation. The ensuite bathroom offers a GARDEN TUB, separate shower, double vanity, and a SPACIOUS WALK-IN CLOSET. The opposite side of the home features THREE ADDITIONAL BEDROOMS and a hall bath. Bedroom 2 includes both a WALKI-IN AND STANDARD CLOSET. Bedroom 3 OVERLOOKS BACK YARD. Bedroom 4 includes a MURPHY BED, which is included with the purchase. This property also offers EXCEPTIONAL STORAGE and workspace with MULTIPLE OUTBUILDINGS, including a DETACHED 2 CAR GARAGE 24x24 WORKBENCHES and attic fan, a 20x18 ENCLOSED STEEL BARN with COVERED AREA, a 450 sq ft DOUBLE CARPORT, and an additional STEEL POLE BARN. All outbuildings are equipped with WATER AND POWER, and the property is secured by a 16' SOLAR POWERED GATE. The home is equipped with IN-WALL PEST CONTROL (Pest Tubes), an interior treatment system installed during construction that can be serviced by most local pest control companies. With plenty of room to expand, garden, or even keep a horse or two, this property offers acreage, privacy, and versatility in one of St. Cloud’s most desirable communities. Residents of Bay Lake Ranch enjoy annual community activities including a Halloween Hayride, Holiday Tour of Lights, and Community Yard Sales. Call today to schedule your private showing! Check out the Video and Matterport!

The essentials

Built
1996
Price / sqft
$316
On market
322 days
Annual tax
$3,470
Flood zone
X, AE · Low risk
Lot
98,838 sqft
Type
Single Family Residence

At a glance

Single family
Built 1996
4 car garage
2.27 acres
Lot size
1,899 sqft
Living area

Payment

Est. monthly payment
$3,718/mo
Down payment (20%)
$119,980
Property taxes
$289/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1996
Lot
98,838 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
322
Ceiling Fans(s)
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Open Floorplan
Solid Wood Cabinets
Split Bedroom
Vaulted Ceiling(s)
Walk-in Closet(s)
Garden
Rain Gutters
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Softener
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X, AE
Annual Tax (2025)
$3,470
Parcel #
18-26-32-2599-0001-2980

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
Bay Lake Ranch Unit 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
98,838 sqft
Cul-De-SacIn CountyLandscapedOversized LotPaved

Price history

Date
Event
Price
7/26/2026
Price change
Source: Stellar MLS #S5139144
$599,900-11.1%
$316/sqft
-
Price change
Source: Stellar MLS #S5139144
$675,000-3.6%
$355/sqft
11/26/2025
Listed for sale
Source: Stellar MLS #S5139144
$699,900
$369/sqft

Neighborhood

1860 Mustang CT
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $599,900
$595,000 – $599,900
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 471 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 322 after a $100,000 cut.

Sample: 471 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,718/mo
Principal & interest$3,129
Property taxes$289
Insurance$300
Down payment20% · $119,980
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

$599,900

$316 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,899 sq ft

Time on market

322 days

Year built

1996

Monthly payment

About $3,718/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,470 annual tax bill, insurance.

Flood zone

Zone X, AE

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

Offer

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Have another question?

Brokered byREMAX PREMIER PROPERTIESListing agent: Janet McQuaggeListing data from Stellar MLS, MLS# S5139144.

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