4305 MUTTER ROAD, St. Cloud, FL, 34769 | $279,000

Welcome! This 3-bedroom, 2-bathroom home sits in a central location with direct connectivity to shopping, dining, recreation, and healthcare. The property combines practical interior finishes with outdoor living and a two-car garage, all positioned minutes from the Florida Turnpike, major roadways, and local amenities. Inside, easy-to-clean tile flooring runs through the kitchen, dining room, living room, hallways, and both bathrooms, while warm, luxury vinyl plank flooring covers the bedrooms. A vaulted ceiling in the main living area and a cathedral ceiling in the primary suite add to the home, offering a light and airy feeling. The screened lanai extends the living space outdoors, creating an additional area for relaxation and entertaining no matter the weather. Its fenced backyard provides privacy and even more space for outdoor activities, whether for pets, gardening, or get-togethers. Location is a major strength here. The home sits near Florida Turnpike entry points for easy commuting and travel throughout Central Florida. Lakefront Park is nearby for recreation and community events, while multiple shopping centers provide immediate access to retail options and services. A Walmart Supercenter is minutes away for comprehensive shopping needs, along with Publix Super Market for everyday groceries and pharmacy services. Golf enthusiasts will appreciate proximity to both Royal Links and Remington Golf Club, offering different course styles. For outdoor exploration, Twin Oaks Conservation Area is close by with hiking trails and nature observation opportunities, and Whaleys Landing Public Boat Ramp provides convenient lake access. Healthcare needs are well-served with Orlando Health Hospital nearby. The local Parks and Recreation facilities round out the neighborhood's appeal with sports courts, athletic fields, a pool, splash pad, playground, and community programming. Schedule your private showing today and experience this well-positioned home firsthand.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, In Garage, Washer Hookup
  • Style: Ranch
  • Year Built: 2001
  • Garage: 2-car Driveway
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,154
  • Acreage: 0.18
  • Est. Taxes: $4,613
  • Elem. School: Neptune Elementary
  • Middle School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Pet Policy: Yes
  • Appliances: None
  • MLS#: O6421937
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6421937/4305mutterroad_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 7/7/2026 1:15:08 AM)
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY   Phone: 407-203-0007

William Raveis Family of Services

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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
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4305 MUTTER ROAD, St. Cloud, FL, 34769

$279,000

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 $223,200 $223,200 $223,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.490% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.615% 5.866%
Monthly Tax Payment $384 $384 $384
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,337 $1,409 $1,839
Total Monthly Payment $1,796 $1,868 $2,298

* 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.