

Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- ARCADIA AT CROSSPRAIRIE
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$75/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
4260 Arcadia Garden Way is a 2026-built home in Arcadia At Crossprairie, St Cloud. Inside you'll find 4 bedrooms, 4 bathrooms, and 3,119 square feet of living space. Listed at $569,990 (about $183/sqft), 12 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $75 monthly.
Under Construction. Located at 4260 Arcadia Garden Way in St. Cloud, this new construction home for sale offers 3,119 square feet of living space across 2 levels. The thoughtfully arranged floorplan balances shared gathering areas with private retreats, making it well suited to a variety of household needs. Key features include 4 bedrooms–including an owner's bedroom with a private en-suite bathroom–3 full bathrooms plus 1 half bathroom for guests, an open-concept living space connecting the kitchen, dining, and family areas, a covered lanai that extends the living space outdoors, a study, a spacious loft, a 2-car garage, and more! The main level centers on an open-concept living space, where the kitchen, dining area, and family room flow together without visual barriers. This layout keeps conversation easy during everyday meals and larger get-togethers alike, and it allows natural light to reach farther into the interior. The covered lanai provides a shaded spot for morning coffee, weekend meals, or simply enjoying Florida's climate year-round. It serves as a natural extension of the interior gathering areas and adds usable square footage beyond the walls of the home. Attention to design quality is evident throughout, from the proportions of the rooms to the way circulation paths connect one area to the next. Secondary bedrooms offer flexibility for family members, guests, a home office, or hobby space, while the additional full bathrooms reduce morning congestion!
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The essentials
At a glance
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Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes estimated at 1.55% of price a year. 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
$569,990
$183 per sq ft
Beds and baths
4 beds, 4 baths
Size
3,119 sq ft
Time on market
12 days
Year built
2026
Monthly payment
About $4,069/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 annual tax bill, insurance, and the $75/mo HOA fee.
HOA fee
$75/mo
Managed by Joey Arroyo.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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