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3064 Cross Creek Ct, Saint Cloud, FL, 34769

2beds
2baths
912sqft
$89,900
$99price/sqft
$770/moest. monthly cost
$30,800/yrincome needed

About This Home

MOVE-IN READY AND PRICED TO SELL! This 2-bedroom, 2-bath manufactured home is located on leased land in Sugar Mill Mobile Home Park, a quiet and active 55+ community in St. Cloud, Florida. The home features a spacious floor plan, kitchen appliances that are just 4 years old, and an 8-year-old roof, providing added value and peace of mind. Enjoy comfortable Florida living in a friendly, pet-friendly neighborhood surrounded by beautiful palm trees and peaceful ponds. Residents enjoy outstanding amenities, including a heated swimming pool and spa, clubhouse and social activity center, shuffleboard courts, and a billiard room. Don't miss this opportunity to own an affordable home in one of St. Cloud's desirable 55+ communities. Schedule your private showing today!

Getting Around

14
WalkingCar-Dependent
0
TransitVery Limited Transit
44
BikeSomewhat Bikeable

Schools

4/10
7/10
St. Cloud Middle SchoolGrades 6-82.3 mi
4/10
St. Cloud High SchoolGrades PK,9-122.0 mi

Construction

Condition

  • Year built: 1988

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Washer

Basement

  • Area: 0

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Finished area above ground: 912

Heating & Cooling

  • Heating features: Has Heating (Unspecified Type)
  • Cooling features: Central

Interior Area

  • Total structure area: 912
  • Total interior livable area: 912 sqft

Property

Details

  • On leased land: Yes
  • Lease amount: 667

Parking

  • Parking features: Carport
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate

How This Home’s Risks Compare

Strong Wind
Inland Flooding
Lightning
Tornado
Hurricane

FEMA Declared Disasters in Osceola County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $454$5,448
Home Insurance *$63$756
Property Taxes $56$672
Electricity $197$2,366
Total$770$9,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$26,400/yr
40% on housing$23,100/yr
45% on housing$20,533/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$99This listing

vs Other Active Listings

Avg $/sqft

ZIP 34769$145
Osceola County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 34769$236
Osceola County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-07-24Listed for sale$89,900

For Sale by Agent

AgentDonovan Frantz
BrokerageWeichert, Realtors - Hallmark Properties

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