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Overview

4 bd3 ba2,241 sqft2 car garageSingle Family
TypeSingle Family
HOA$75/mo
Built2026
Lot6,039 sqft
Living area2,241 sqft
Price / sqft$221
Garage2 car

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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

Open FloorplanSolid Surface CountersTray Ceiling(s)Walk-in Closet(s)Rain GuttersSidewalkCommunity MailboxPark

4272 Arcadia Garden Way is a 2026-built home in Arcadia At Crossprairie, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,241 square feet of living space. Listed at $494,990 (about $221/sqft), 17 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 4272 Arcadia Garden Way in St. Cloud, this new construction single-family home by M/I Homes offers 2,341 square feet of thoughtfully arranged single-story living. With 4 bedrooms, 3 bathrooms and an open-concept living space at its center, the floorplan is designed to accommodate both everyday routines and larger gatherings. Additional highlights include a covered lanai for outdoor living, a 2-car garage, The main living area connects the kitchen, dining space and family room, creating a continuous area that supports conversation and easy movement between rooms. Natural light reaches across the shared space, and the covered lanai extends the living area outdoors for dining, relaxing or entertaining throughout the year. Quality construction is evident throughout, from the layout's efficient use of space to the durable finishes selected for each room. Because the home is offered as a Quick Move-In, all features are already in place and ready for occupancy. The single-level design eliminates stairs entirely, making the home accessible and practical for a range of household needs. Secondary bedrooms provide flexibility for guests, a home office or additional living space, while the three full bathrooms reduce morning congestion for larger households.

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The essentials

Built
2026
Price / sqft
$221
On market
17 days
Annual tax
$0
HOA
$75/mo
Flood zone
X · Low risk
Lot
6,039 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Driveway
6,039 sqft lot
Lot size
2,241 sqft
Living area

Payment

Est. monthly payment
$3,544/mo
Down payment (20%)
$98,998
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
6,039 sqft
Cooling
Central Air
Heating
Central, Radiant Ceiling
Parking
Driveway, Garage Door Opener
Days on Market
17
Open Floorplan
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 #
28-26-30-0143-0001-4110

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
6,039 sqft
HOA
$75/mo
Joey Arroyo

Price history

Date
Event
Price
9/29/2026
Listed for sale
Source: Stellar MLS #O6445354
$494,990
$221/sqft

Neighborhood

4272 Arcadia Garden Way
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $494,990
$492,500 – $494,990
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 17.

Sample: 388 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
$3,543/mo
Principal & interest$2,582
Property taxes$639
Insurance$247
HOA$75
Down payment20% · $98,998
Interest rate6.80%
Loan term

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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

$494,990

$221 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,241 sq ft

Time on market

17 days

Year built

2026

Monthly payment

About $3,544/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?

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Brokered byKELLER WILLIAMS ADVANTAGE REALTYListing agent: Stacie Brown KellyListing data from Stellar MLS, MLS# O6445354.

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