

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
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.
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
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
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Sample: 388 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
$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.
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