9109 ATLAS DRIVE, ST CLOUD, FL, 34773
Active29 days on marketListed Jun 22, 2026MLS #O6401302
About this home
9109 ATLAS DRIVE
Welcome to 9109 Atlas Drive in St. Cloud, Florida, located in an area known to locals as Holopaw, a bit of country living on the way to Melbourne the east coast of Florida. Situated on just under an acre on a corner lot, this 3-bedroom, 2.5-bath home offers the perfect blend of privacy and functionality with plenty of room to spread out, entertain, or store your toys. Inside, you’ll find a comfortable split layout designed for everyday living. Big ticket items are done: Roof-2024, A/C and ductwork-2026, updated electrical and a brand new well and pump (2026) the septic was serviced in 2025. A RING security system with 5 cameras will convey with the property That means less worrying and more living. Step outside to the fully fenced-in yard and imagine the possibilities: bring your toys, start a garden, add a pool, or just enjoy the privacy and wide-open space. This is your chance to lock in space, value, and peace of mind all in one.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,512
Sqft
0.89 ac
Lot size
2005
Year built
One
Levels
$202
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.
$2,165 /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
$2,165/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
$202 vs $220
Days on market
29 vs 33 typical
Where $202/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
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)
192 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 9109 ATLAS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$330,000
9055 ATLAS DRIVE · same community
3 bd · 2 ba · 1,493 sqft · $221/sqft · 255 DOM
Sold · Mar ’26$314,999
4950 NOVA AVENUE · same community
3 bd · 2 ba · 1,536 sqft · $205/sqft · 403 DOM
Sold · Apr ’26$330,000
4835 NOVA AVENUE · same community
4 bd · 2.5 ba · 1,474 sqft · $224/sqft · 47 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 9109 ATLAS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9109 ATLAS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
9109 ATLAS DRIVE FAQs
What would the monthly payment be for 9109 ATLAS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,165/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 9109 ATLAS DRIVE?+
The most recent tax bill on record (2025) was $822. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $305,999, this home is listed about 28% 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 9109 ATLAS DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Dawn Grigsby. MLS #O6401302.
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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