3845 CHAPLAIN ROAD, ST CLOUD, FL, 34769
Active0 days on marketListed Aug 5, 2026MLS #R4911748
About this home
3845 CHAPLAIN ROAD
THERE ARE SEVERAL OUTBUILDINGS ON THE PROPERTY FOR STORAGE PURPOSES. THE INTERIOR OF THE HOME IS VERY WELL KEPT. THE PROPERTY HAS LONG BEEN THE HOME OF THE OWNER'S AGRICULTURAL AND RECREATIONAL HOBBIES. IT IS AN AGRICULTURAL SETTING WITH GAME HENS/ROOSTERS, DOG KENNELS, AND SECURITY GATES THROUGHOUT THE PROPERTY. INCLUDED IS A 4 STALL BARN WITH TACKROOM, AN R/V SLAB WITH UTILITIES & A NEWLY BUILT WOOD GAZEBO. THE PROPERTY IS LOCATED OFF OF A PAVED ROAD (CHAPLAIN) AND IS BESIDE FUTURE GROWTH AREAS DESIGNATED ON FUTURE USE MAPS AS TOWNHOMES, HOMES, AND SCHOOLS. PLEASE CHECK WITH THE COUNTY AS TO CURRENT DRAWINGS OF FUTURE USES. IF YOU LIKE A TRUE, COUNTRY ATMOSPHERE WITH AN ABUNDANCE OF PRIVACY ON THE PROPERTY, THIS IS YOUR SHANGRI LA... GIVE US A CALL. EASY TO SHOW.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,334
Sqft
4.91 ac
Lot size
1992
Year built
One
Levels
$825
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.
$6,922 /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
$6,922/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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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 → $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 308% above the ST CLOUD 34769 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
Grace Mathisen
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3845 CHAPLAIN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3845 CHAPLAIN ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Grace's phone and CRM.
Straight answers
3845 CHAPLAIN ROAD FAQs
What would the monthly payment be for 3845 CHAPLAIN ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,922/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 3845 CHAPLAIN ROAD?+
The most recent tax bill on record (2025) was $4,967. 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 $1,100,000, this home is listed about 156% 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 3845 CHAPLAIN ROAD?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of DEESE MANAGEMENT & REAL ESTATE · Donna Aiken. MLS #R4911748.
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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