|
4899 SPARROW DRIVE, St. Cloud, FL, 34772 | $630,000
Discover your private sanctuary in the heart of St. Cloud. Welcome to a truly unique property that blends the peace of country living with the convenience of city access. Situated on a generous, fenced lot with mature landscaping, this custom 2-story home stands out with its charming stone façade, vinyl siding, and architectural character. Whether you have a boat, RV, or need space for a workshop, this property delivers with no HOA restrictions, a dedicated boat port/canopy, and a backyard utility sheds/workshops ready for your projects.
**Spacious Interiors with Character. **
Step inside to a grand living space featuring soaring vaulted ceilings and a dramatic open-rail staircase leading to a versatile loft—perfect for a home office or play area. The warm tile floors and custom terracotta accents create an inviting atmosphere, while the kitchen offers ample wood cabinetry, granite countertops, and stainless steel appliances. For those who love the outdoors, the expansive screened-in lanai provides the perfect spot for morning coffee or evening dining, overlooking the shaded, park-like backyard.
**Peace of Mind & Prime Location. **
This home has been meticulously maintained with major systems already addressed for you: a **roof replacement in 2018**, a brand new **AC compressor (2025)**, and the **septic system pumped just one year ago**.
You are perfectly positioned to enjoy the best of Central Florida:
* **Medical City & Lake Nona: ** A short 20-minute drive puts you in the hub of world-class healthcare, dining, and shopping.
* **Theme Parks: ** Enjoy a manageable 35-40 minute commute to Disney World and Orlando’s famous attractions.
* **Beaches: ** Escape to the Space Coast! Melbourne and Cocoa Beach are approximately 50 minutes to the east for easy day trips.
---
### **Key Features at a Glance**
* **System Upgrades: ** Roof (2018), AC Compressor (2025), Septic (Pumped ~1 year ago).
* **Exterior: ** Unique stone & vinyl façade, large paved driveway, and walkways.
* **Outdoor Living: ** Huge fenced backyard, screened lanai with ceiling fans, dedicated boat/RV canopy, and workshop/shed structures with playset.
* **Interior: ** Vaulted ceilings, open loft layout, tile flooring throughout main areas, granite bathroom vanities.
* **Location: ** St. Cloud, FL – High convenience to FL Turnpike, Orlando Int'l Airport, and Medical City.
Features
- Rooms: 6
- Bedrooms: 4
- Baths: 2 full / 1 half
- Laundry: Laundry Room
- Year Built: 1984
- Garage: 2-car
- Heating: Central, Electric
- Cooling: Central Air
- Approx Sq. Feet: 2,498
- Acreage: 0.61
- Est. Taxes: $1,880
- Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer
- MLS#: O6370506
- Days on Market: 1 day
- Website: https://www.raveis.com
/prop/O6370506/4899sparrowdrive_stcloud_fl?source=qrflyer
Listing courtesy of FLORIDA PRESTIGIOUS HOMES INC Phone: 754-246-2070
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
4899 SPARROW DRIVE, St. Cloud, FL, 34772
$630,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $504,000 | $504,000 | $504,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.156% | 5.415% |
| Monthly Tax Payment | $157 | $157 | $157 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,901 | $3,019 | $4,018 |
| Total Monthly Payment | $3,150 | $3,268 | $4,267 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388