9085 MERCURY DRIVE, ST CLOUD, FL, 34773
Active65 days on marketListed May 19, 2026MLS #O6409347
About this home
9085 MERCURY DRIVE
MOTIVATED SELLER CONCESSIONS AVAILABLE!! Set on nearly one acre of land, this spacious 5-bedroom, 2-bathroom double-wide manufactured home offers approximately 2,280 sq. ft. of versatile living space with no HOA. This property combines flexibility, comfort, and endless potential with opportunity to add a second home. A standout feature of this property is the converted second family room, now designed to accommodate the 5th bedroom complete with its own private living area and kitchenette. With the option to add a separate entrance, this space offers excellent potential for a private in-law suite, guest quarters, or multigenerational living setup. Outside, the fenced yard offers plenty of space to enjoy the outdoors. The property also features a circular driveway, two storage sheds, a covered workshop, and solar panels for added energy efficiency. The solar panels will be paid off at closing. The home is also equipped with an EV charging station, making it convenient for electric vehicle owners. The roof was replaced in December 2017. Conveniently located with quick access to St. Cloud and Melbourne, this home offers peaceful surroundings while remaining close to shopping, dining, and major roadways. Nearby amenities include a community park with a playground, basketball court, walking trails, and picnic pavilions. This unique property offers space, functionality, energy-efficient features, and exceptional potential, ready for you to make it your own.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
2,280
Sqft
0.91 ac
Lot size
2001
Year built
One
Levels
$131
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.
$2,143 /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
$2,143/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
$131 vs $221
Days on market
65 vs 33 typical
Where $131/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 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)
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 5% below the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 9085 MERCURY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$300,000
9115 MERCURY DRIVE · same community
4 bd · 2 ba · 2,280 sqft · $132/sqft · 10 DOM
Sold · Jun ’26$349,000
9040 MERCURY DRIVE · same community
4 bd · 2 ba · 2,052 sqft · $170/sqft · 4 DOM
Sold · Apr ’26$300,000
5165 APOLLO AVENUE · same community
5 bd · 2 ba · 2,052 sqft · $146/sqft · 1 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 9085 MERCURY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9085 MERCURY 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
9085 MERCURY DRIVE FAQs
What would the monthly payment be for 9085 MERCURY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,143/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 9085 MERCURY DRIVE?+
The most recent tax bill on record (2025) was $1,087. 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 $299,000, this home is listed about 30% 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 9085 MERCURY 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.
The brief
Three things that matter here
01Under the ST CLOUD 34773 market on paper
$299,000 is 5% below the ST CLOUD 34773 median of $315,000, and at $131/sqft it sits under the St Cloud average of $236.
02Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $310,000, now $299,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY OF AMERICA · Kristen Pintor. MLS #O6409347.
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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