4148 Southern Vista Loop, photo 1
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Overview

5 bd3 ba2,791 sqft2 car garageSingle Family
TypeSingle Family
HOA$330/qtr
Built2023
Lot11,326 sqft
Living area2,791 sqft
Price / sqft$172
Garage2 car

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About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenOpen FloorplanPrimarybedroom UpstairsSmart HomeWalk-in Closet(s)Window Treatments

4148 Southern Vista Loop is a 2023-built home in Southern Pines Ph 5, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,791 square feet of living space. Listed at $480,000 (about $172/sqft), 93 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $330 quarterly.

From the listing

Short Sale. Welcome to 4148 Southern Vista Loop, where the privacy of an oversized conservation homesite meets the convenience of modern, move-in-ready living. Built in 2023 by Richmond American, this thoughtfully upgraded Moonstone model is perfectly positioned on one of Southern Pines' larger 0.26-acre homesites, NO REAR NEIGHBORS, offering peaceful conservation views, and generous spacing between neighboring homes. Offering 2,791 square feet, this versatile floor plan features five bedrooms, three full bathrooms, a spacious loft, and a first-floor bedroom with an adjacent full bath—ideal for guests, multigenerational living, or a private home office. Designed with both everyday living and entertaining in mind, the open-concept kitchen serves as the heart of the home with quartz countertops, premium cabinetry, a designer backsplash, stainless steel appliances, an oversized island with seating, abundant storage, and a walk-in pantry. The adjoining living and dining spaces flow seamlessly to the EXTENDED SCREENED LANAI, creating the perfect indoor-outdoor living experience. Throughout the home you'll find Luxury Vinyl Plank flooring in the main living areas, upgraded lighting and hardware, premium window treatments including motorized shades, ceiling fans, and thoughtfully selected finishes that elevate the home's modern design while maintaining warmth and functionality. Unlike purchasing new construction and starting with a blank canvas, many of the most desirable improvements have already been completed for you. Enjoy a screened lanai overlooking the conservation area, vinyl privacy fencing, smart-home enhancements, EV charging capability, garage utility sink with hot and cold water, multiple 240V outlets, hidden TV wiring, premium window treatments, and numerous custom touches that save both time and significant post-closing expense. Wake up to peaceful CONSERVATION VIEWS, enjoy your morning coffee while watching native Florida wildlife, then take advantage of Southern Pines' community pool and playground just minutes from your front door. Conveniently located near Lake Nona Medical City, Orlando International Airport, shopping, dining, top-rated schools, and major highways, this home offers the perfect balance of privacy, modern design, and everyday convenience. Beautifully maintained, thoughtfully upgraded, and truly move-in ready, this is an exceptional opportunity to own one of Southern Pines' most desirable homesites.

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The essentials

Built
2023
Price / sqft
$172
On market
93 days
Annual tax
$5,778
HOA
$330/qtr
Flood zone
X · Low risk
Lot
11,326 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
Driveway
0.26 acres
Lot size
2,791 sqft
Living area

Payment

Est. monthly payment
$3,335/mo
Down payment (20%)
$96,000
Property taxes
$482/mo
HOA
$330/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
11,326 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Electric Vehicle Charging Station(s), Garage Door Opener
Days on Market
93
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Primarybedroom Upstairs
Smart Home
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Sidewalk
Playground
Pool
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$5,778
Parcel #
13-26-30-0663-0001-0420

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 Ph 5
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
11,326 sqft
Conservation AreaOversized Lot
HOA
$330/qtr
Leland Management

Price history

Date
Event
Price
9/23/2026
Price change
Source: Stellar MLS #O6425383
$480,000-4.0%
$172/sqft
-
Price change
Source: Stellar MLS #O6425383
$499,900-14.5%
$179/sqft
7/17/2026
Listed for sale
Source: Stellar MLS #O6425383
$585,000
$210/sqft

Neighborhood

4148 Southern Vista Loop
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $480,000
$477,500 – $480,000
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 93 after a $105,000 cut.

Sample: 394 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
$3,335/mo
Principal & interest$2,503
Property taxes$482
Insurance$240
HOA$110
Down payment20% · $96,000
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

$480,000

$172 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,791 sq ft

Time on market

93 days

Year built

2023

Monthly payment

About $3,335/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,778 annual tax bill, insurance, and the $330/qtr HOA fee.

HOA fee

$330/qtr

Managed by Leland Management.

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 byKELLER WILLIAMS REALTY AT THE PARKSListing agent: Emily ArmstrongListing data from Stellar MLS, MLS# O6425383.

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