2700 ZUNI ROAD, ST CLOUD, FL, 34771
Active1 days on marketListed Aug 5, 2026MLS #S5155054
About this home
2700 ZUNI ROAD
Welcome to Paradise! Rare opportunity to own a stunning lakefront estate on 5 private acres with no HOA! This exceptional single-family home offers the perfect blend of peaceful country living and everyday convenience. Enjoy breathtaking waterfront views, room to roam, and endless possibilities for outdoor recreation, gardening, animals (Horses Allowed), or future additions. Bring your boats, RVs, and other toys—there's plenty of space and no HOA restrictions. Whether you're looking for a private family retreat or an entertainer's oasis, this unique property delivers the freedom and lifestyle you've been searching for. Additional features include a 30 x 60 Barn with a 2 bedroom, 1 bathroom apartment or In-Law Suite and 2 car garage. This property is fenced and cross fenced. There is a workshop and other structure for chickens or other uses. The dock needs TLC. You will love the location ... country atmosphere and great neighborhood. Only 45 minutes to the beach, 15 minutes to the Orlando International Airport, 15 minutes to the UCF Medical School, VA Hospital, Nemours Children's Hospital Research Park and Lake Nona Center ... and less than an hour to Central Florida area attractions! Major shopping and Grocery stores are just minutes away. Call today for a home preview! Don't miss your chance to own a piece of your own private waterfront sanctuary!
Facts & features
The home at a glance
2
Bedrooms
3.5
Bathrooms
3,117
Sqft
5.44 ac
Lot size
2
Garage
2013
Year built
One
Levels
$385
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.
$7,483 /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
$7,483/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.
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
$412K → $392K
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 180% above 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2700 ZUNI ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2700 ZUNI ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2700 ZUNI ROAD FAQs
What would the monthly payment be for 2700 ZUNI ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,483/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 2700 ZUNI ROAD?+
The most recent tax bill on record (2025) was $4,770. 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 2700 ZUNI 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 $1,200,000, this home is listed about 180% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2700 ZUNI ROAD?+
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
01Positioned at the premium end
$1,200,000 runs 180% above the ST CLOUD 34771 median — but at 3,117 sqft it's also 58% larger than the typical St Cloud listing.
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
Only 1 day on market in a St Cloud market that averages 43 — if it fits, move quickly.
Listing courtesy of PREFERRED REAL ESTATE · Bruce Clark. MLS #S5155054.
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 2700 ZUNI ROAD 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 Cindy to ping you on any price or status change →