
9385 CONCORD ROAD, ST CLOUD, FL, 34773
Active0 days on marketListed Jul 24, 2026MLS #O6427370
About this home
9385 CONCORD ROAD
Escape to your own slice of Old Florida charm on just under 1 ACRE in beautiful St. Cloud! This spacious ranch-style 1990 manufactured home offers 2 bedrooms, 2 bathrooms, and a warm, inviting interior filled with custom wood details and timeless character. The open living area flows seamlessly into the generously sized kitchen, featuring tile countertops, abundant cabinet and prep space, and a picturesque view from the kitchen window that brings the outdoors in. The primary bedroom includes the laundry area and offers a private entrance onto the screened patio. Other features include a metal roof, HVAC (2021), water heater (2022), water softener and 3/4 inch upgraded plywood subfloor. Enjoy peaceful mornings on the welcoming wraparound front porch or unwind on the oversized screened patio overlooking the fully fenced property with gated driveway access. Outdoor amenities include a fire pit, chicken coop, raised garden bed, and a playground—creating the perfect setting for entertaining, gardening, or simply enjoying the Florida lifestyle. A standout feature of this property is the impressive 40’ x 50’+ detached garage/workshop, along with an additional 36’ x 30’ storage area behind the garage. Currently configured as a workshop, this incredible space includes two 220-amp electrical hookups, plumbing for an exterior sink, pre-piping for an air compressor, 2 outdoor sinks, 3 outdoor hose bibs, additional kitchen space, and even includes the pool table—making it ideal for hobbyists, contractors, mechanics, or anyone needing exceptional workspace and storage. The garage includes built-in workbenches and cabinets plus two additional storage rooms. Also, a 12x20 shed with metal roof included. With ample room for your toys, equipment, and outdoor activities, this unique property offers the perfect blend of country living, functionality, and charm while remaining conveniently located near shopping, dining, schools, and major roadways. Ideally located 35 miles to Melbourne Beach, 35 miles to Orlando International Airport and 40 miles to Disney World while enjoying the rural country living. Holopaw offers a voluntary membership to a non-profit organization that provides local events and opportunities for education. Nearby parks include playgrounds, basketball court, walking trail, fishing, baseball and soccer fields plus a fire department all located within 2 miles. Don’t miss this one-of-a-kind opportunity to own a versatile property with endless possibilities! All information is deemed reliable and shall be independently verified.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,080
Sqft
0.93 ac
Lot size
2
Garage
1990
Year built
One
Levels
$268
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.
$2,082 /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
$2,082/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.
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 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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 5% below the ST CLOUD 34773 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 9385 CONCORD ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9385 CONCORD ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9385 CONCORD ROAD FAQs
What would the monthly payment be for 9385 CONCORD ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,082/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 9385 CONCORD ROAD?+
The most recent tax bill on record (2025) was $1,120. 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 9385 CONCORD ROAD?+
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 $289,000, this home is listed about 32% 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 9385 CONCORD ROAD?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34773 market on paper
$289,000 is 5% below the ST CLOUD 34773 median of $304,450.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a St Cloud market that averages 33 — if it fits, move quickly.
04Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of BLUE MARLIN REAL ESTATE · Kimberly Fouts, PA. MLS #O6427370.
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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