4210 Southern Vista Loop, photo 1
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Overview

5 bd3 ba2,431 sqft2 car garageSingle Family
TypeSingle Family
HOA$120/mo
Built2023
Lot5,227 sqft
Living area2,431 sqft
Price / sqft$214
Garage2 car

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

About this home

Primarybedroom UpstairsWalk-in Closet(s)StorageClubhouseCommunity MailboxPlaygroundPoolSidewalks

4210 Southern Vista Loop is a 2023-built home in Southern Pines Ph 5, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,431 square feet of living space. Listed at $520,000 (about $214/sqft), 72 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $120 monthly.

From the listing

SELLER OFFERING $10,000 TOWARD BUYER’S CLOSING COSTS! More than $50,000 in upgrades! Welcome to this beautifully upgraded 5-bedroom home in Southern Pines, ideally positioned with a peaceful conservation view. One of the five bedrooms has been opened to create a spacious and versatile additional living area, offering the flexibility to enjoy it as a family room, home office, playroom, media room, or easily convert it back to a bedroom to suit your needs. This move-in-ready home offers exceptional value with extensive upgrades already completed, saving the next owner the time, expense, and hassle of completing similar improvements themselves. The spacious floor plan features generous living areas, an open-concept design, a well-appointed kitchen, and a comfortable primary suite designed for everyday living and entertaining. Step outside and enjoy the Florida lifestyle with synthetic turf for low-maintenance outdoor living, pavers surrounding the home, and an outdoor shower. The home backs to a protected conservation area, providing a peaceful natural backdrop and added privacy. The community also features greenbelt areas throughout, along with desirable amenities including a community pool and playground. Located in a desirable St. Cloud community with highly rated schools, including A-rated schools, this home combines extensive upgrades, flexible living space, privacy, outdoor features, and convenience. The community offers excellent access to Florida's Turnpike, making commuting throughout Central Florida convenient, and is approximately 30 minutes from Orlando, depending on traffic and destination. Enjoy easy access to the Florida Turnpike, St. Cloud Lakefront Park, shopping, dining, parks, and major roadways. With over $50,000 in upgrades, a peaceful conservation view, beautiful outdoor spaces, flexible living options, and great community amenities, this home offers the perfect combination of comfort, convenience, and value. It’s move-in ready and waiting for its next owner to enjoy.

The essentials

Built
2023
Price / sqft
$214
On market
72 days
Annual tax
$4,872
HOA
$120/mo
Flood zone
X · Low risk
Lot
5,227 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
5,227 sqft lot
Lot size
2,431 sqft
Living area

Payment

Est. monthly payment
$3,498/mo
Down payment (20%)
$104,000
Property taxes
$406/mo
HOA
$120/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
5,227 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
72
Primarybedroom Upstairs
Walk-in Closet(s)
Storage
Clubhouse
Community Mailbox
Playground
Pool
Sidewalks
Street Lights
Dishwasher
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)
$4,872
Parcel #
13-26-30-0663-0001-0570

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 Ph 5
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
5,227 sqft
Conservation Area
HOA
$120/mo
Amanda Lee

Price history

Date
Event
Price
8/4/2026
Listed for sale
Source: Stellar MLS #O6432350
$520,000
$214/sqft

Neighborhood

4210 Southern Vista Loop
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $520,000
$515,000 – $520,000
99.5% – 100% of listTops out right at the list price
80% of listList price
237 of the last 383 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 72.

Sample: 383 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
$3,498/mo
Principal & interest$2,712
Property taxes$406
Insurance$260
HOA$120
Down payment20% · $104,000
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

$520,000

$214 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,431 sq ft

Time on market

72 days

Year built

2023

Monthly payment

About $3,498/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,872 annual tax bill, insurance, and the $120/mo HOA fee.

HOA fee

$120/mo

Managed by Amanda Lee.

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 byKAZA REAL ESTATE LLCListing agent: Pri NaccaratoListing data from Stellar MLS, MLS# O6432350.

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