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Overview

5 bd3 ba2,164 sqftSingle Family
TypeSingle Family
HOANone listed
Built1976
Lot11,238 sqft
Living area2,164 sqft
Price / sqft$220

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Open FloorplanSolid Surface CountersSidewalk

4324 Pine Lake Dr is a 1976-built home in Pine Lake Estates Unit B, St Cloud. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,164 square feet of living space. Listed at $475,000 (about $220/sqft), 309 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Experience true luxury living in this fully renovated, modern masterpiece located in Saint Cloud. This stunning corner lot, pool home has been completely upgraded from top to bottom with designer finishes, high-end materials, and exceptional attention to detail. Step into a show-stopping kitchen featuring brand new cabinets, a large waterfall-style kitchen island, premium marble-style countertops, LED ambiance lighting, new stainless-steel appliances, and a deep farmhouse sink. The entire home shines with new tile flooring, sleek modern lighting, new ceiling fans, new windows beside 1 window in the front entrance , and double doors leading to the backyard oasis. Almost all doors have also been recently replaced. The spa-like bathrooms have been fully transformed with luxury shower systems, frameless glass, double vanities, and gorgeous tile work throughout. Major upgrades gives the peace of mind, including: Whole-house re-pipe, Whole-house electrical rewiring, Three upgraded breaker panels, Tankless water heater, Whole-home water filtration system + sink filter, New smoke detectors with updated circuits, and GFI outlets added around exterior for security cameras. Outside, enjoy the Florida lifestyle with a beautiful private pool, two large sheds, an exterior shower, and a fully fenced backyard with fruit trees and plenty of storage space. Additional features include: New bedroom & closet doors, New stucco, New modern porch double doors, 12×24 workshop shed, and Dedicated office/library area. This home is move-in ready, meticulously upgraded, and truly one of a kind. With an open layout, abundant natural light, luxurious finishes, and every major system replaced, this property is the perfect blend of comfort, beauty, and peace of mind. Homes with this level of renovation rarely hit the market; come see why this one stands out above the rest. Schedule your private showing today!

The essentials

Built
1976
Price / sqft
$220
On market
309 days
Annual tax
$5,613
Flood zone
X · Low risk
Lot
11,238 sqft
Type
Single Family Residence

At a glance

Single family
Built 1976
Private pool
In Ground
0.26 acres
Lot size
2,164 sqft
Living area

Payment

Est. monthly payment
$3,182/mo
Down payment (20%)
$95,000
Property taxes
$468/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1976
Lot
11,238 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
In Ground
Days on Market
309
Ceiling Fans(s)
Open Floorplan
Solid Surface Counters
Sidewalk
Homestead exemption on file Flood Zone X
Annual Tax (2024)
$5,613
Parcel #
04-26-30-0910-0001-0050

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
Pine Lake Estates Unit B
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
11,238 sqft

Price history

Date
Event
Price
5/25/2026
Price change
Source: Stellar MLS #P4937199
$475,000-1.0%
$220/sqft
-
Price change
Source: Stellar MLS #P4937199
$480,000-2.0%
$222/sqft
12/5/2025
Listed for sale
Source: Stellar MLS #P4937199
$490,000
$226/sqft

Neighborhood

4324 Pine Lake Dr
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $475,000
$472,500 – $475,000
99.5% – 100% of listTops out right at the list price
80% of listList price
89 of the last 154 home closings in 34769 landed at this number or higher (58%). The median one sat 35 days before it went under contract, and this one is on day 309 after a $15,000 cut.

Sample: 154 closed home sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,183/mo
Principal & interest$2,477
Property taxes$468
Insurance$238
Down payment20% · $95,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. 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

$475,000

$220 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,164 sq ft

Time on market

309 days

Year built

1976

Monthly payment

About $3,182/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,613 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byLA ROSA REALTY CENTRAL FLORIDA LLCListing agent: Maria FernandezListing data from Stellar MLS, MLS# P4937199.

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