

Overview
Ask anything about this home
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
4284 Arcadia Garden Way is a 2026-built home in Arcadia At Crossprairie, St Cloud. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,783 square feet of living space. Listed at $699,990 (about $185/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 4284 Arcadia Garden Way in St Cloud, this new construction home offers 3,556 square feet of living space across 2 levels. The layout is designed for everyday comfort, with 5 bedrooms and 5 bathrooms providing room for family members, guests, or a dedicated home office. Additional highlights include a covered lanai, a covered balcony, a loft, owner's suites on the main and upper levels, a 2-car garage, and more! The main level centers on an open-concept living space that connects the kitchen, dining area, and gathering room. This arrangement keeps conversation flowing between rooms and allows natural light to reach deeper into the interior. A covered lanai extends the living area outdoors, offering a shaded spot for morning coffee, evening meals, or weekend gatherings. Thoughtful design carries through the home, from the traffic flow between shared and private spaces to the placement of windows that bring in daylight. The second level adds separation between sleeping quarters and the main gathering areas, a practical benefit for households with varied schedules. As a new construction home, the structure, systems, and finishes are all new, reducing the maintenance tasks that typically come with older homes. Pre-selected features are already in place throughout the interior!
Request documents
Free. Tap one and our team sends it over.
The essentials
At a glance
Payment
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
Choose an offer strength
Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
Talk through an offer with our teamCalculator
Not sure what you can afford?
Put in your household income and we will tell you where this payment sits.
Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee 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
$699,990
$185 per sq ft
Beds and baths
5 beds, 5 baths
Size
3,783 sq ft
Time on market
12 days
Year built
2026
Monthly payment
About $4,980/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.
Offer
What should I offer?
Have another question?
Keep exploring Florida
Pick up where you left off, or see what else is out there.







