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Overview

5 bd4 ba2,868 sqft2 car garageSingle Family
TypeSingle Family
HOA$550/yr
Built2004
Lot7,896 sqft
Living area2,868 sqft
Price / sqft$167
Garage2 car

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

About this home

Ceiling Fans(s)Kitchen/Family Room ComboLightingSidewalkStreet LightsDishwasherDisposalDryer

670 Brown Bear CT is a 2004-built home in Southern Pines, St Cloud. Inside you'll find 5 bedrooms, 4 bathrooms, and 2,868 square feet of living space. Listed at $479,900 (about $167/sqft), 133 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $550 annually.

From the listing

Tucked away on a premier cul-de-sac lot in Central Florida and just minutes from major shopping and the Florida Turnpike is this magnificent 5-bedroom, 4-full-bath estate is the large home opportunity buyers have been waiting for. Every room in this home is genuinely oversized, delivering the kind of space and breathing room that's increasingly rare to find and from the moment you step inside, you'll notice the abundance of natural light pouring in through windows throughout, creating a warm, bright, and airy atmosphere that makes every corner of this home feel inviting. The showstopping primary en-suite measures an impressive 19 × 15 feet, offering a true private retreat with room for a sitting area, a king bed, and more, while a second en-suite bedroom provides that same level of privacy and comfort for guests or family members. A conveniently located first-floor bedroom with a full bath just steps away makes this home perfectly suited for multi-generational living or visiting guests who prefer to stay on one level. With two en-suites, four full baths, and every bedroom sized to impress, this home checks every box for the buyer who refuses to compromise on space, light, or lifestyle all nestled on one of the most desirable lot types in any neighborhood.

The essentials

Built
2004
Price / sqft
$167
On market
133 days
Annual tax
$5,270
HOA
$550/yr
Flood zone
X · Low risk
Lot
7,896 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
2 car garage
7,896 sqft lot
Lot size
2,868 sqft
Living area

Payment

Est. monthly payment
$3,228/mo
Down payment (20%)
$95,980
Property taxes
$439/mo
HOA
$550/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
7,896 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
133
Ceiling Fans(s)
Kitchen/Family Room Combo
Lighting
Sidewalk
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Michigan Avenue Elem (K 5)
Middle
St. Cloud 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 Flood Zone X
Annual Tax (2025)
$5,270
Parcel #
23-26-30-0667-0001-0570

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
Southern Pines
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,896 sqft
In CountyOversized LotSidewalk
HOA
$550/yr
Southern Pines / Leland Management Inc.

Price history

Date
Event
Price
7/24/2026
Price change
Source: Stellar MLS #O6414636
$479,900-3.8%
$167/sqft
6/7/2026
Listed for sale
Source: Stellar MLS #O6414636
$499,000
$174/sqft

Neighborhood

670 Brown Bear CT
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $479,900
$477,500 – $479,900
99.5% – 100% of listTops out right at the list price
80% of listList price
244 of the last 394 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 133 after a $19,100 cut.

Sample: 394 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,228/mo
Principal & interest$2,503
Property taxes$439
Insurance$240
HOA$46
Down payment20% · $95,980
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

$479,900

$167 per sq ft

Beds and baths

5 beds, 4 baths

Size

2,868 sq ft

Time on market

133 days

Year built

2004

Monthly payment

About $3,228/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,270 annual tax bill, insurance, and the $550/yr HOA fee.

HOA fee

$550/yr

Managed by Southern Pines / Leland Management Inc..

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Evelyn MalaveListing data from Stellar MLS, MLS# O6414636.

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