0 Hickory Tree Rd. Saint Cloud, FL #34772, photo 1
Active
1 / 14

Overview

0 baLand
TypeLand
HOANone listed
Lot94,090 sqft

Ask anything about this home

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

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.

From the listing

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!

The essentials

On market
96 days
Annual tax
$1,100
Flood zone
X · Low risk
Lot
94,090 sqft
Type
Land

At a glance

Payment

Est. monthly payment
$1,292/mo
Down payment (20%)
$41,980
Property taxes
$92/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
94,090 sqft
Cooling
-
Heating
-
Parking
-
Days on Market
96
Flood Zone X
Annual Tax (2025)
$1,100
Parcel #
332631000000860000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
94,090 sqft
BuildableIn CountyIrregular LotLevelOversized LotPasturePrivateZoned for Horses

Price history

Date
Event
Price
10/13/2026
Price change
Source: Stellar MLS #S5152801
$209,900-10.7%
7/15/2026
Listed for sale
Source: Stellar MLS #S5152801
$235,000

Neighborhood

0 Hickory Tree Rd. Saint Cloud, FL #34772
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Calculator

Est. monthly payment
$1,291/mo
Principal & interest$1,095
Property taxes$92
Insurance$105
Down payment20% · $41,980
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 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.

Have another question?

Brokered byTIE TEAM REALTY LLCListing agent: Chris WoesteListing data from Stellar MLS, MLS# S5152801.

Keep exploring Florida

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