486 Pine Tree Bridge Trl, photo 1
Active
1 / 32

Overview

4 bd2 ba1,845 sqft2 car garageSingle Family
TypeSingle Family
HOA$315/qtr
Built2022
Lot6,098 sqft
Living area1,845 sqft
Price / sqft$199
Garage2 car

Ask anything about this home

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

About this home

Open FloorplanClubhouseCommunity MailboxDeed RestrictionsPlaygroundPoolDishwasherMicrowave

486 Pine Tree Bridge Trl is a 2022-built home in Southern Pines Ph 4, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,845 square feet of living space. Listed at $366,990 (about $199/sqft), 64 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $315 quarterly.

From the listing

** Virtually Staged ** Nearly New with Premium Pond-View Residence in Sought-After St. Cloud Community — No CDD Fees Experience the ideal balance of contemporary luxury and peaceful living in this exceptional four-year-old home. Virtually new yet offered at a significant advantage over current new-construction pricing, this residence is situated in one of St. Cloud’s most desirable neighborhoods and features striking premium pond views that foster a sense of calm and privacy. An inviting open-concept floor plan seamlessly connects the gathering room, dining area, and gourmet kitchen, creating an expansive atmosphere well suited to both entertaining and everyday living. The kitchen is appointed with a substantial center island, stainless-steel appliances, elegant granite countertops, and generous workspace for culinary pursuits. Recent updates ensure move-in readiness, including brand-new carpeting in all bedrooms and fresh interior paint throughout. Durable tile flooring extends through the foyer, great room, kitchen, and wet areas, combining practicality with timeless appeal. The thoughtfully designed layout provides four spacious bedrooms and two full bathrooms. The private primary suite, positioned at the rear of the home, overlooks the tranquil pond and includes an en-suite bath with dual-sink vanity, walk-in closet, and luxurious shower. Three additional bedrooms near the foyer offer flexibility for family, guests, or a home office. Outdoor living is enhanced by a covered lanai, ideal for enjoying morning coffee or evening gatherings while taking in the picturesque pond vistas. Structural upgrades, including the lanai, complement the refined finishes of the Canvas Signature Collection – Overture, characterized by its modern aesthetic of crisp whites and deep grays. This rare opportunity to acquire a nearly new home in a prime St. Cloud location places you near parks, lakes, and the many amenities of Central Florida—without the burden of CDD fees. Contact us today to schedule your private tour—your dream home with pond-view tranquility awaits!

The essentials

Built
2022
Price / sqft
$199
On market
64 days
Annual tax
$4
HOA
$315/qtr
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Waterfront
Pond
Community pool
Shared amenity
2 car garage
6,098 sqft lot
Lot size

Payment

Est. monthly payment
$2,203/mo
Down payment (20%)
$73,398
Property taxes
$0/mo
HOA
$315/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
6,098 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Pond
Days on Market
64
Open Floorplan
Clubhouse
Community Mailbox
Deed Restrictions
Playground
Pool
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2024)
$4
Parcel #
13-26-30-0664-0001-0310

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
Southern Pines Ph 4
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
6,098 sqft
HOA
$315/qtr
Amanda Lee

Price history

Date
Event
Price
9/24/2026
Price change
Source: Stellar MLS #S5155612
$366,990-0.3%
$199/sqft
-
Price change
Source: Stellar MLS #S5155612
$367,990-0.5%
$199/sqft
8/13/2026
Listed for sale
Source: Stellar MLS #S5155612
$369,980
$201/sqft

Neighborhood

486 Pine Tree Bridge Trl
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $366,990
$365,000 – $366,990
99.5% – 100% of listTops out right at the list price
80% of listList price
240 of the last 388 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 64 after a $2,990 cut.

Sample: 388 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
$2,203/mo
Principal & interest$1,914
Property taxes$0
Insurance$183
HOA$105
Down payment20% · $73,398
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%. 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

$366,990

$199 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,845 sq ft

Time on market

64 days

Year built

2022

Monthly payment

About $2,203/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4 annual tax bill, insurance, and the $315/qtr HOA fee.

HOA fee

$315/qtr

Managed by Amanda Lee.

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 byROAD HOUSE REALTY INC.Listing agent: Licinio BrizzioListing data from Stellar MLS, MLS# S5155612.

Keep exploring Florida

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