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Overview

4 bd3 ba2,611 sqft2 car garageSingle Family
TypeSingle Family
HOA$320/qtr
Built2022
Lot7,405 sqft
Living area2,611 sqft
Price / sqft$184
Garage2 car

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboPrimarybedroom UpstairsStone CountersPrivate YardCommunity MailboxPlaygroundPool

4035 Southern Vista Loop is a 2022-built home in Estates At Southern Pines, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,611 square feet of living space. Listed at $479,990 (about $184/sqft), 104 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $320 quarterly.

From the listing

***$15,000 PRICE DROP*** Welcome to your dream home in the highly sought-after Southern Pines community! Built in 2022, this immaculate 4-bedroom, 3-full-bath residence shines with extensive builder upgrades, featuring premium granite countertops and sleek luxury vinyl flooring throughout the main living areas. Positioned on one of the largest lots in the neighborhood, this property offers unparalleled privacy with absolutely no rear or left neighbors. The massive backyard is fully fenced and includes a convenient oversized side gate, making it the perfect private oasis for outdoor living, pets, and entertainment. Inside, the thoughtful layout boasts a spacious upstairs loft that provides excellent flexible living space for a game room, media center, or home office. The upper level also features a dedicated laundry room complete with a built-in laundry storage room. Live the ultimate Florida lifestyle with incredible community amenities just steps away, including a pristine community pool and playground. Location is everything—enjoy quick, easy access to Orlando's world-famous amusement parks, the Orlando International Airport, and all major highways for an effortless daily commute.

The essentials

Built
2022
Price / sqft
$184
On market
104 days
Annual tax
$6,487
HOA
$320/qtr
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Community pool
Shared amenity
2 car garage
7,405 sqft lot
Lot size
2,611 sqft
Living area

Payment

Est. monthly payment
$3,391/mo
Down payment (20%)
$95,998
Property taxes
$541/mo
HOA
$320/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
7,405 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
104
Ceiling Fans(s)
Living Room/Dining Room Combo
Primarybedroom Upstairs
Stone Counters
Private Yard
Community Mailbox
Playground
Pool
Sidewalks
Dishwasher
Microwave
Range
Elementary
Hickory Tree Elem
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,487
Parcel #
13-26-30-0663-0001-0200

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
Estates At Southern Pines
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,405 sqft
Conservation AreaCorner Lot
HOA
$320/qtr
Sovereign & Jacobs

Price history

Date
Event
Price
8/20/2026
Price change
Source: Stellar MLS #S5152847
$479,990-3.0%
$184/sqft
-
Price change
Source: Stellar MLS #S5152847
$494,990-1.0%
$190/sqft
7/6/2026
Listed for sale
Source: Stellar MLS #S5152847
$500,000
$191/sqft

Neighborhood

4035 Southern Vista Loop
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $479,990
$477,500 – $479,990
99.5% – 100% of listTops out right at the list price
80% of listList price
244 of the last 394 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 104 after a $20,010 cut.

Sample: 394 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
$3,391/mo
Principal & interest$2,503
Property taxes$541
Insurance$240
HOA$107
Down payment20% · $95,998
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%. 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

$479,990

$184 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,611 sq ft

Time on market

104 days

Year built

2022

Monthly payment

About $3,391/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,487 annual tax bill, insurance, and the $320/qtr HOA fee.

HOA fee

$320/qtr

Managed by Sovereign & Jacobs.

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?

Have another question?

Brokered byDREAM BUILDERS REALTYListing agent: Ivan RomanListing data from Stellar MLS, MLS# S5152847.

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