1610 SPRAY TERRACE, ST CLOUD, FL, 34771
Active98 days on marketListed Apr 16, 2026MLS #S5147846
About this home
1610 SPRAY TERRACE
This 3-bedroom, 2-bathroom property at 1610 Spray offers the perfect blend of comfort and charm. As you step in, you'll encounter an immaculate oasis. The beautifully landscaped front yard, surrounded by vibrant flowers and neatly trimmed shrubs, creates a welcoming and serene atmosphere. Elegant stone upgrades at the entrance provide a distinguished welcome. Imagine enjoying the fresh breeze on your screened porch, admiring the back garden extending from the charming gazebo . This patio is not only visually stunning but also provides a peaceful space to relax and connect with nature at home. Located just minutes from Lake Nona, making it accessible for those seeking Lake Nona's quality of life on a more modest budget. Don't miss the chance to turn your dream of living in a property that combines luxury, comfort, and affordability into reality. Don't miss out and schedule your visit today! Weeks and Months Available Land, Site, and Tax Information Tax ID: 17-25-31-3347-0001-0330 Subdivision #: Development: Lot Dimensions: Lot Size Acres: 0.14 Lot Size: 6,098 SqFt / 5
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,672
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$178 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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 1610 SPRAY TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1610 SPRAY TERRACE — 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
1610 SPRAY TERRACE FAQs
What would the monthly payment be for 1610 SPRAY TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $178/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1610 SPRAY TERRACE?+
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 $2,500, this home is listed about 99% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1610 SPRAY TERRACE?+
Lakeview Elementary School (elementary), Narcoossee 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
01Under the ST CLOUD 34771 market on paper
$2,500 is 99% below the ST CLOUD 34771 median of $425,000, and at $1/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
98 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $2,600, now $2,500 — a $100 cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Vanessa Medina Conde. MLS #S5147846.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 1610 SPRAY TERRACE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Derek to ping you on any price or status change →