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Overview

5 bd4 ba2,882 sqft2 car garageSingle Family
TypeSingle Family
HOA$74.75/mo
Built2024
Lot6,098 sqft
Living area2,882 sqft
Price / sqft$241
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSolid Wood CabinetsStone CountersThermostat

4891 Shady Pines Drive is a 2024-built home in Havenfield At Cross Prairie Ph 2 Pb 34 Pgs 102-10, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 2,882 square feet of living space. Listed at $694,000 (about $241/sqft), 152 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $74.75 monthly.

From the listing

Stunning two-story home with serene pond views in Havenfield at CrossPrairie, St. Cloud, FL, offering 2,882 A/C sq. ft. plus under-stair storage. This highly upgraded home features 5 bedrooms, including two suites, 3.5 bathrooms, and a covered lanai. The first-floor primary suite offers dual walk-in closets, while the upstairs suite includes its own walk-in closet — totaling 3 spacious walk-in closets throughout the home. The bright open-concept layout seamlessly connects the gourmet kitchen, dining, and living areas, highlighted by oversized tile flooring, quartz countertops, oversized waterfall island, built-in oven and microwave tower, cooktop with exterior-vented hood, ceiling-height cabinetry with glass stacked uppers, and premium soft-close cabinetry in the kitchen and full bathrooms. Additional highlights include a laundry room with abundant cabinetry and utility sink, plus a covered lanai pre-plumbed and pre-wired for a future summer kitchen on a premium lot with no rear neighbors, offering peaceful pond views and added privacy. Conveniently located with easy access to the Florida Turnpike, approximately 25 minutes from Orlando International Airport (MCO) and about 30 minutes from Lake Nona, Medical City, Walt Disney World, Downtown Orlando, shopping, dining, and major Central Florida attractions. Note: Photos have been enhanced using artificial intelligence to improve color, sharpness, contrast, and overall presentation. No structural elements, dimensions, or permanent features have been altered, and no virtual staging has been performed. Security Notice: For security purposes, audio and video surveillance may be in use during showings.

The essentials

Built
2024
Price / sqft
$241
On market
152 days
Annual tax
$8,932
HOA
$74.75/mo
Flood zone
X500 · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Water views
Water
2 car garage
Driveway
6,098 sqft lot
Lot size
2,882 sqft
Living area

Payment

Est. monthly payment
$4,785/mo
Down payment (20%)
$138,800
Property taxes
$744/mo
HOA
$74.75/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
6,098 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Ground Level
Days on Market
152
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Stone Counters
Thermostat
Walk-in Closet(s)
Sidewalk
Sliding Doors
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range Hood
Refrigerator
Washer
Elementary
Neptune Elementary
Middle
Neptune Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone X500
Annual Tax (2025)
$8,932
Parcel #
21-26-30-3649-0001-4010

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Havenfield At Cross Prairie Ph 2 Pb 34 Pgs 102-10
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,098 sqft
HOA
$74.75/mo
ASSOCIA Company/Kelly Wilson

Price history

Date
Event
Price
5/15/2026
Listed for sale
Source: Stellar MLS #O6404869
$694,000
$241/sqft

Neighborhood

4891 Shady Pines Drive
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $694,000
$690,000 – $694,000
99.5% – 100% of listTops out right at the list price
80% of listList price
236 of the last 381 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 152.

Sample: 381 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,786/mo
Principal & interest$3,619
Property taxes$744
Insurance$347
HOA$75
Down payment20% · $138,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues 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

$694,000

$241 per sq ft

Beds and baths

5 beds, 4 baths

Size

2,882 sq ft

Time on market

152 days

Year built

2024

Monthly payment

About $4,785/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $8,932 annual tax bill, insurance, and the $74.75/mo HOA fee.

HOA fee

$74.75/mo

Managed by ASSOCIA Company/Kelly Wilson.

Flood zone

Zone X500

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byTALENT REALTY SOLUTIONSListing agent: Alessandra de Barros Mendes da CostaListing data from Stellar MLS, MLS# O6404869.

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