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About this home
0 Hickory Tree Rd. Saint Cloud, FL #34772 is a home St Cloud. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
Build your dream home on this beautiful 2+ acre homesite nestled beneath majestic oak trees! Located in flood zone X, this property offers peace of mind with no flood insurance typically required. Zoned A/C, the property allows for a single-family residence plus an accessory dwelling unit (ADU), providing flexibility for multigenerational living, guests, or additional rental potential. Enjoy paved county road frontage with utilities conveniently available at the road. A well and septic system will be needed, giving you the opportunity to design your property to fit your needs. With no HOA, you'll have the freedom to create the lifestyle you've been dreaming of. Ideally situated just minutes from the Alligator Chain of Lakes, Harmony's renowned golf courses, and within easy reach of Central Florida's beautiful beaches, this exceptional property offers the perfect blend of privacy, recreation, and convenience. Don't miss this opportunity to own a stunning piece of Florida land and bring your vision to life!
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The essentials
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Details
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
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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
$209,900
Time on market
96 days
Monthly payment
About $1,292/mo
Saint Cloud, FL #34772 is about $1,292. That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,100 annual tax bill, insurance.
Flood zone
Zone X
Saint Cloud, FL #34772 is in FEMA flood 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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