9285 LUNA DRIVE, ST CLOUD, FL, 34773
Active35 days on marketListed Jun 18, 2026MLS #O6418120
About this home
9285 LUNA DRIVE
Beautifully maintained 2-bedroom, 1-bath home on nearly 1 acre with NO HOA and NO flood zone! This move-in-ready property features a new roof (2023), a functional layout, and an impressive 18x27 metal workshop perfect for storage, hobbies, or a home business. Conveniently located near St. Cloud and Melbourne, with easy access to shopping, dining, schools, major highways, Orlando International Airport, and Florida’s beautiful beaches. Enjoy the space, privacy, and flexibility of country living with modern convenience just minutes away. DON'T MISSED THIS OPPORTUNITY !!!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
672
Sqft
0.9 ac
Lot size
1
Garage
1983
Year built
One
Levels
$371
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.
$1,902 /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
$1,902/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 20% 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 9285 LUNA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9285 LUNA 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
9285 LUNA DRIVE FAQs
What would the monthly payment be for 9285 LUNA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,902/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 9285 LUNA DRIVE?+
The most recent tax bill on record (2025) was $1,992. 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 $249,000, this home is listed about 41% 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 9285 LUNA 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.
Listing courtesy of LPT REALTY, LLC · Denisse Colon. MLS #O6418120.
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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