Tommy Trainer
$289,0002 bd2 ba1,080 sqft$268 /sqft$2,082 /mo all-in ↓

9385 CONCORD ROAD, ST CLOUD, FL, 34773

Active0 days on marketListed Jul 24, 2026MLS #O6427370

Priced 5% below the ST CLOUD 34773 medianWaterfrontManufactured HomeCANAVERAL ACRES 3

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

WaterfrontFireplaceTrees/Woods viewPets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Electric Water Heater · Range · Refrigerator
InteriorEating Space In Kitchen · High Ceilings · Living Room/Dining Room Combo
LaundryElectric Dryer Hookup · Inside · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionVinyl Siding
FoundationPillar/Post/Pier
ViewTrees/Woods
FacesSouth
ParkingBoat · Driveway · Guest · Open · RV Parking
ExteriorAwning(s) · Fire Pit · Garden

Community & fees

Taxes (2025)$1,120/yr
PetsYes
CommunityPark · Playground

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Water Connected
WaterWell

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%

Principal & interest$1,701
FHA mortgage insurance (est.)$128
Property tax — 2025 actual bill$93
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $10,115Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $10,115
Interest rate6.00%
Loan term

Estimated payment

$2,082/mo

Principal & interest$1,701
FHA mortgage insurance (est.)$128
Property taxes (actual bill)$93
Est. insurance$160

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

Map of 9385 CONCORD ROAD

Drive times from this address

Universal Orlando54 min
Orlando Int’l Airport (MCO)54 min
Walt Disney World55 min
Downtown Orlando55 min

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

HighHarmony High School★★★★★
ElementaryHarmony Community School★★★★
MiddleNarcoossee Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s 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

Jul 24, 2026Listed at $289,000 · 0 days on market since
1990Built · CANAVERAL ACRES 3

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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 9385 CONCORD ROAD — start here.

Andrew Acosta

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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