6928 SAWGRASS DRIVE, ST CLOUD, FL, 34771
Active93 days on marketListed Apr 21, 2026MLS #O6400812
About this home
6928 SAWGRASS DRIVE
Discover peaceful country living in the highly desirable Bay Lake Ranch community. This charming 3-bedroom, 2-bath home sits on a spacious one-acre lot, offering privacy, room to roam, and the best of rural surroundings—with no HOA restrictions with a roof only 4 years old and a brand new Air conditioner. The property provides ample outdoor space for gardening, recreation, or future improvements, and includes a storage shed for tools, equipment, or extra storage. Enjoy the freedom of country living while still being part of an established and sought-after neighborhood. A great opportunity for buyers looking for space, flexibility, and a serene setting—schedule your showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,909
Sqft
1 ac
Lot size
2
Garage
1989
Year built
One
Levels
$251
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.
$3,391 /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
$3,391/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.
vs edgeAI estimate
+10.5%
$/sqft vs BAY LAKE RANCH UNIT 3
$251 vs $334
Days on market
93 vs 33 typical
Where $251/sqft sits among the 8 homes for sale in BAY LAKE RANCH UNIT 3
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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
6 of 8
BAY LAKE RANCH UNIT 3 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6928 SAWGRASS 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$530,000
7060 BUCKHORN TRAIL · same community
3 bd · 2 ba · 1,872 sqft · $283/sqft · 18 DOM
Sold · Jun ’26$650,000
6990 BUCKHORN TRAIL · same community
4 bd · 2 ba · 1,867 sqft · $348/sqft · 5 DOM
Sold · Apr ’26$610,000
7060 BRIDLE PATH · same community
4 bd · 2 ba · 2,007 sqft · $304/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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6928 SAWGRASS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6928 SAWGRASS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
6928 SAWGRASS DRIVE FAQs
What would the monthly payment be for 6928 SAWGRASS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,391/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 6928 SAWGRASS DRIVE?+
The most recent tax bill on record (2025) was $2,321. 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 $480,000, this home is listed about 13% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6928 SAWGRASS DRIVE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$480,000 runs 12% above the ST CLOUD 34771 median.
02Time on market is leverage
93 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $499,500, now $480,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Craig Wenthold. MLS #O6400812.
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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