4284 Arcadia Garden Way, photo 1
Active
1 / 4

Overview

5 bd5 ba3,783 sqft2 car garageSingle Family
TypeSingle Family
HOA$75/mo
Built2026
Lot7,400 sqft
Living area3,783 sqft
Price / sqft$185
Garage2 car

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

Open FloorplanPrimarybedroom UpstairsSolid Surface CountersTray Ceiling(s)Walk-in Closet(s)Rain GuttersSidewalkCommunity Mailbox

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.

From the listing

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

Built
2026
Price / sqft
$185
On market
12 days
Annual tax
$0
HOA
$75/mo
Flood zone
X · Low risk
Lot
7,400 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
7,400 sqft lot
Lot size
3,783 sqft
Living area

Payment

Est. monthly payment
$4,980/mo
Down payment (20%)
$139,998
Property taxes
$0/mo
HOA
$75/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
7,400 sqft
Cooling
Central Air
Heating
Central, Radiant Ceiling
Parking
-
Days on Market
12
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Tray Ceiling(s)
Walk-in Closet(s)
Rain Gutters
Sidewalk
Community Mailbox
Park
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Elementary
Neptune Elementary
Middle
Neptune Middle (6-8)
High
St. Cloud High School

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$0
Parcel #
28-26-30-0143-0001-4120

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
Arcadia At Crossprairie
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,400 sqft
Irregular LotSidewalk
HOA
$75/mo
Joey Arroyo

Price history

Date
Event
Price
10/1/2026
Price change
Source: Stellar MLS #O6445330
$699,990-2.8%
$185/sqft
9/29/2026
Listed for sale
Source: Stellar MLS #O6445330
$719,990
$190/sqft

Neighborhood

4284 Arcadia Garden Way
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $699,990
$695,000 – $699,990
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 376 home closings in 34772 landed at this number or higher (63%). The median one sat 41 days before it went under contract, and this one is on day 12 after a $20,000 cut.

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 team

Calculator

Est. monthly payment
$4,980/mo
Principal & interest$3,651
Property taxes$904
Insurance$350
HOA$75
Down payment20% · $139,998
Interest rate6.80%
Loan term

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?

Brokered byKELLER WILLIAMS ADVANTAGE REALTYListing agent: Stacie Brown KellyListing data from Stellar MLS, MLS# O6445330.

Keep exploring Florida

Pick up where you left off, or see what else is out there.