3131 GREY MOSS DRIVE, ST CLOUD, FL, 34773
Active72 days on marketListed May 12, 2026MLS #O6407219
About this home
3131 GREY MOSS DRIVE
Under Construction. The Greenbriar is a charming and efficient single-story home offering 3 bedrooms, 2 bathrooms, and 1,223 square feet of thoughtfully designed living space. With its smart layout and stylish finishes, this home is perfect for first-time homebuyers, families, or anyone looking to simplify without sacrificing comfort. The heart of the home is the open-concept kitchen, featuring quartz countertops, a functional center island, and stainless-steel appliances. Overlooking the dining and living areas, the kitchen creates a seamless space ideal for both everyday living and entertaining guests. Step outside to the outdoor patio, a great spot to unwind or enjoy your morning coffee. The Owner's Suite offers a peaceful retreat with a walk-in closet, and a private ensuite bathroom with a double vanity sink and quartz countertops. The 2 additional bedrooms share the spacious second bathroom, also with quartz countertops. The laundry room is located in the center of the home for convenience. Built with modern living in mind, the Greenbriar is a comfortable home and full of thoughtful features. Advanced smart home technology enhances security and convenience, allowing remote control via your smart device. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,223
Sqft
0.12 ac
Lot size
1
Garage
2026
Year built
One
Levels
$282
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 and the real association fee — not generic estimates.
$2,636 /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
$2,636/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 10% above 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3131 GREY MOSS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3131 GREY MOSS DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3131 GREY MOSS DRIVE FAQs
What would the monthly payment be for 3131 GREY MOSS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,636/mo — principal and interest, the actual property-tax bill, the $44/mo association fee 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.
How much are the HOA fees at 3131 GREY MOSS DRIVE?+
The association fee works out to $44 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3131 GREY MOSS DRIVE?+
The most recent tax bill on record (2025) was $2,983. 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 3131 GREY MOSS DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $344,990, this home is listed about 19% 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 3131 GREY MOSS 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
$344,990 runs 10% above the ST CLOUD 34773 median.
02Time on market is leverage
72 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $354,758, now $344,990 — a $10K cut. The full history is in the market section below.
Listing courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC · Stephen Cline. MLS #O6407219.
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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