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Overview

4 bd2 ba1,768 sqftManufactured Home
TypeManufactured Home
HOANone listed
Built2023
Lot96,398 sqft
Living area1,768 sqft
Price / sqft$254

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

About this home

Kitchen/Family Room ComboFire PitDishwasherDisposalDryerRangeRefrigeratorWasher

4235 Pine Tree Dr is a 2023-built home in St Cloud Manor Estates Unit 1, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,768 square feet of living space. Listed at $449,900 (about $254/sqft), 76 days on market. Flood zone A,X - confirm flood insurance requirements with your lender.

From the listing

Over TWO acres of privacy, you can own a slice of country just down the road from all the conveniences of Central Florida living! Built in 2023, this well-maintained 4-bedroom, 2-bathroom manufactured home sits on 2.2 acres, offering the perfect blend of modern comfort and wide-open space. Zoned for AGRICULTURE and with trails already established, bring your favorite animals and enjoy space to spread out. If you are looking to expand and build, remediation will be necessary so check with the local zoning department. Inside, you'll find a spacious and inviting floor plan designed for everyday living and entertaining. Step outside and enjoy everything this property has to offer. The backyard is ideal for relaxing or gathering with family and friends, featuring a charming gazebo and a cozy fire pit. The property is equipped with a private well and septic system, offering added independence and no water or sewer bills. Conveniently located in St. Cloud, you'll enjoy the tranquility of rural living while remaining just a short drive from shopping, dining, schools, and major roadways including the Florida Turnpike. If you've been searching for a newer home with acreage, modern amenities, and room to spread out, this property is one you won't want to miss!

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The essentials

Built
2023
Price / sqft
$254
On market
76 days
Annual tax
$3,145
Flood zone
A,X
Lot
96,398 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 2023
2.21 acres
Lot size
1,768 sqft
Living area

Payment

Est. monthly payment
$2,833/mo
Down payment (20%)
$89,980
Property taxes
$262/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
2023
Lot
96,398 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
76
Kitchen/Family Room Combo
Fire Pit
Dishwasher
Disposal
Dryer
Range
Refrigerator
Washer
Water Filtration System
Elementary
Michigan Avenue Elem (K 5)
Middle
Harmony Middle
High
Harmony High

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

Homestead exemption on file Flood Zone A,X
Annual Tax (2025)
$3,145
Parcel #
25-26-30-5070-0001-0595

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
St Cloud Manor Estates Unit 1
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
96,398 sqft

Price history

Date
Event
Price
8/1/2026
Listed for sale
Source: Stellar MLS #O6430194
$449,900
$254/sqft

Neighborhood

4235 Pine Tree Dr
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $449,900
$447,500 – $449,900
99.5% – 100% of listTops out right at the list price
80% of listList price
240 of the last 388 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 76.

Sample: 388 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
$2,833/mo
Principal & interest$2,346
Property taxes$262
Insurance$225
Down payment20% · $89,980
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%. 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

$449,900

$254 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,768 sq ft

Time on market

76 days

Year built

2023

Monthly payment

About $2,833/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,145 annual tax bill, insurance.

Flood zone

Zone A,X

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Dawn GrigsbyListing data from Stellar MLS, MLS# O6430194.

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