6340 JUDITH COURT, ST CLOUD, FL, 34771
Active81 days on marketListed May 5, 2026MLS #S5148243
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Upcoming open house
Sat, Jul 25
10:00 AM – 12:00 PM
About this home
6340 JUDITH COURT
Tucked away at the end of a quiet cul-de-sac in New Eden on the Lakes, this waterfront retreat captures the laid-back Florida lifestyle that’s becoming harder to find. Set on over half an acre, the property stretches from a peaceful canal out to the open waters of Center Lake, offering direct access to the Chain of Lakes and breathtaking sunset views right from your backyard. Inside, the home offers a functional split-bedroom floor plan with three bedrooms, two bathrooms, and two separate living spaces designed for both entertaining and everyday comfort. Terrazzo flooring and tile run throughout the home, complemented by crown molding in every room, adding timeless character and charm. Natural light fills the interior while serene water views create a relaxing atmosphere throughout. The spacious screened-in patio is the perfect place to enjoy peaceful mornings or unwind in the evening as the sun sets over the lake. This home has great bones and is ready for your vision and updates to truly make it your own. With plenty of room to expand, the oversized lot provides endless opportunities to renovate, redesign, or even add onto the home to create your dream waterfront retreat. Beyond the main residence, a 343 SqFt detached workshop offers incredible flexibility and potential. Whether transformed into a guest cottage, private office, art studio, or hobby space, it’s ready to adapt to your lifestyle needs. Out back, the private dock and boathouse make lake living effortless, while a public boat ramp just one block away adds even more convenience for boating enthusiasts. With no HOA or CDD, you’ll enjoy the freedom and flexibility you’ve been looking for while still being conveniently close to shopping, dining, medical facilities, and within easy driving distance to Florida’s beautiful beaches. The washer and dryer are included and located in the garage, along with a riding mower to help maintain the expansive property. If you’ve been searching for waterfront living, privacy, space, and unlimited potential in a truly special setting, this property presents a rare opportunity to create the Florida dream home you’ve always imagined. One-year home warranty included with a full-price offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,200
Sqft
0.68 ac
Lot size
2
Garage
1967
Year built
One
Levels
$366
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.
$3,340 /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
$3,340/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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 St Cloud actives
$366 vs $221
Days on market
81 vs 33 typical
Where $366/sqft sits among the 400 St Cloud actives
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 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)
193 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6340 JUDITH COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$370,000
6396 BENNETT COURT · same community
3 bd · 2 ba · 1,652 sqft · $224/sqft · 29 DOM
Sold · May ’26$375,000
6400 BENNETT COURT · same community
3 bd · 2 ba · 1,732 sqft · $217/sqft · 7 DOM
Sold · Mar ’26$435,000
6375 JUDITH COURT · same community
3 bd · 2 ba · 1,788 sqft · $243/sqft · 63 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 6340 JUDITH COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6340 JUDITH COURT — 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
6340 JUDITH COURT FAQs
What would the monthly payment be for 6340 JUDITH COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,340/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 6340 JUDITH COURT?+
The most recent tax bill on record (2025) was $4,818. 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 6340 JUDITH COURT?+
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 $439,000, this home is listed about 3% 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 6340 JUDITH COURT?+
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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
81 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 $479,000, now $439,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Rachel Santos. MLS #S5148243.
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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