4525 SIDESADDLE TRAIL, ST CLOUD, FL, 34772
Pending218 days on marketListed Dec 15, 2025MLS #O6366117
About this home
4525 SIDESADDLE TRAIL
Brand new, energy-efficient home available NOW! This open-concept floorplan creates a unified living space with a large great room that overlooks the kitchen and patio. The upstairs loft offers additional flex space to be used the way you want to. The Meadow at Crossprairie is a community of new single-family homes for sale in St. Cloud, FL. This offers easy access to the Turnpike, major employment centers, & great schools. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,828
Sqft
0.1 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$166
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,224 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,655/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−7%
$/sqft vs St Cloud actives
$166 vs $220
Days on market
218 vs 33 typical
Where $166/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
191 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4525 SIDESADDLE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$458,990
4555 WINDY OAK WAY · same community
5 bd · 3.5 ba · 2,828 sqft · $162/sqft · 190 DOM
Sold · Dec ’25$450,000
4526 WINDY OAK WAY · same community
5 bd · 3.5 ba · 2,828 sqft · $159/sqft · 210 DOM
Sold · Feb ’26$460,000
4514 WINDY OAK WAY · same community
5 bd · 3.5 ba · 2,828 sqft · $163/sqft · 265 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Yumiko Sugawara
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4525 SIDESADDLE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4525 SIDESADDLE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Yumiko's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4525 SIDESADDLE TRAIL FAQs
What would the monthly payment be for 4525 SIDESADDLE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,224/mo — principal and interest, estimated property taxes, the $90/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4525 SIDESADDLE TRAIL?+
The association fee works out to $90 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4525 SIDESADDLE TRAIL?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4525 SIDESADDLE TRAIL?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $469,925, this home is listed about 11% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4525 SIDESADDLE TRAIL?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$469,925 runs 27% above the ST CLOUD 34772 median — but at 2,828 sqft it's also 43% larger than the typical St Cloud listing.
02Time on market is leverage
218 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $493,695, now $469,925 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MERITAGE HOMES OF FL REALTY · Bryan Sumner. MLS #O6366117.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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