4125 RAMBLER AVENUE, ST CLOUD, FL, 34772
Active58 days on marketListed May 27, 2026MLS #J1001210
About this home
4125 RAMBLER AVENUE
Short Sale. A rare waterfront paradise with endless potential and no HOAI Nestled on an expansive and highly coveted 4.89-acre lot in St. Cloud, this unique property offers the ultimate blend of country privacy, near city lifestyle, and limitless opportunity. Positioned beautifully along a tranquil, stocked pond with 200+ feet of private water frontage and its own dock, this property is a blank canvas awaiting its next chapter. The existing 3-bedroom, 2-bathroom pool home boasts great bones and architectural character, featuring stunning exposed wood beams, a spacious kitchen with an island, and a highly desirable split-floor plan. While the interior needs some tender loving care, including flooring replacement and bathroom renovations, it presents the perfect opportunity for an investor or a savvy homeowner to customize a luxury estate exactly to their liking. Step outside into your own private oasis: a massive, screened-in enclosure houses a sparkling swimming pool, expansive paver decking, and a sun-shaded lounge area perfect for entertaining. The vast acreage is zoned for agriculture and horses, providing plenty of room for an additional workshop, guest house, or detached garage. Choose between "The Renovation Dream" Restore and elevate the existing home to create a private, modern waterfront retreat, "Build Fresh" Utilize the massive, private acreage to design and build your dream custom estate from the ground up or "Development Potential" Take advantage of the nearly 5-acre footprint to explore splitting the lot for multiple homesites. In 2019 major updates were completed including: roof, electric, plumbing, a/c ducts, windows, water heater, pool deck and surface. This property delivers rural tranquility without sacrificing convenience. Bring your design ideas, or your builder. Properties with this much land, water frontage, and freedom from HOA restrictions rarely come to market!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,496
Sqft
4.89 ac
Lot size
1975
Year built
One
Levels
$381
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$3,830 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,830/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs S L & I C
$381 vs $326
Days on market
58 vs 33 typical
Where $381/sqft sits among the 39 homes for sale in S L & I C
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
19 of 39
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4125 RAMBLER AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$325,000
285 GRAPE AVENUE · same community
3 bd · 2 ba · 1,522 sqft · $214/sqft · 69 DOM
Sold · Sep ’25$370,000
4216 LA SALLE AVENUE · same community
3 bd · 2 ba · 1,456 sqft · $254/sqft · 28 DOM
Sold · Oct ’25$217,000
825 ROBINSON COURT · same community
3 bd · 2 ba · 1,456 sqft · $149/sqft · 66 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4125 RAMBLER AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4125 RAMBLER AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
4125 RAMBLER AVENUE FAQs
What would the monthly payment be for 4125 RAMBLER AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,830/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 4125 RAMBLER AVENUE?+
The most recent tax bill on record (2025) was $4,568. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4125 RAMBLER AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $570,000, this home is listed about 34% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4125 RAMBLER AVENUE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$570,000 runs 54% above the ST CLOUD 34772 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $599,000, now $570,000 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J1001210.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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