9165 LUNA DRIVE, ST CLOUD, FL, 34773
Active79 days on marketListed May 5, 2026MLS #S5149303
About this home
9165 LUNA DRIVE
Tucked away in a quiet, country setting, this nearly new 4 bedroom, 2 bath home offers the kind of space and flexibility that’s getting harder to find. Situated on an expansive 0.85 acre lot you have the freedom to enjoy a more relaxed lifestyle. Whether that means bringing your toys to the 40x30 pole barn with water & electric, workshop, gardening, or simply enjoying the extra room and privacy without the typical neighborhood restrictions. Inside, you’ll find thoughtful upgrades including a Kitchen Island & Stunning Light Fixtures & Entry Gate! Start your mornings on the inviting 27x16 back patio and unwind in the evenings overlooking your spacious backyard. With nearly an acre, there’s plenty of room to spread out, entertain, or create your own outdoor oasis! Conveniently located just minutes from St. Cloud, Harmony, and Close to Melbourne Beach & the East Coast too! Commuting would be a breeze while still enjoying a tucked-away feel. These areas will provide unlimited access to restaurants, shops, waterfront parks, and year-round events. This is a unique opportunity to enjoy space, flexibility, and location all in one.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,836
Sqft
0.86 ac
Lot size
2021
Year built
One
Levels
$201
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.
$2,779 /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
$2,779/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
$201 vs $221
Days on market
79 vs 33 typical
Where $201/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)
194 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 19% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 9165 LUNA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$205,000
9200 MERCURY DRIVE · same community
4 bd · 2 ba · 1,890 sqft · $108/sqft · 158 DOM
Sold · Jan ’26$325,000
5100 APOLLO AVENUE · same community
4 bd · 2 ba · 1,716 sqft · $189/sqft · 19 DOM
Sold · May ’26$387,000
5005 NOVA AVENUE · same community
3 bd · 2 ba · 1,680 sqft · $230/sqft · 38 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 9165 LUNA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9165 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
9165 LUNA DRIVE FAQs
What would the monthly payment be for 9165 LUNA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,779/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 9165 LUNA DRIVE?+
The most recent tax bill on record (2025) was $3,399. 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 9165 LUNA DRIVE?+
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 $369,000, this home is listed about 13% 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 9165 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.
The brief
Four things that matter here
01Positioned at the premium end
$369,000 runs 19% above the ST CLOUD 34773 median.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
79 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LUX LISTINGS, LLC · Kelly Foster. MLS #S5149303.
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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