Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- ESTATES AT HICKORY COVE
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$8/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
4035 Kindling Wood Way is a 2026-built home in Estates At Hickory Cove, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 2,335 square feet of living space. Listed at $391,800 (about $168/sqft), 178 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $100 annually.
2-story new construction Bungalow with 2335 square feet, 5 bedrooms, 3.5 baths with loft, a 2-car garage, and a front porch, Downstairs, enjoy an open layout and a gourmet kitchen with Silestone countertops, shaker-style wood cabinets, Samsung stainless steel appliances, and a pantry. The entire lower level and upstairs baths are finished with luxury vinyl plank flooring, with stain-resistant carpet in the bedrooms. Upstairs, you'll find 4 spacious bedrooms including your owner's suite complete with a walk-in wardrobe, linen closet, and a private en-suite bath with dual vanities and a tiled shower. Additional features for your convenience include a half bath downstairs, upstairs hall bath for the secondary bedrooms, custom-fit window blinds throughout, energy-efficient insulation and windows, and a full builder warranty.
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The essentials
At a glance
Payment
Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$391,800
$168 per sq ft
Beds and baths
5 beds, 4 baths
Size
2,335 sq ft
Time on market
178 days
Year built
2026
Monthly payment
About $2,753/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $100/yr HOA fee.
HOA fee
$100/yr
Managed by Hcmanagement.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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