1444 PINE MARSH LOOP, ST CLOUD, FL, 34771
Active117 days on marketListed Mar 24, 2026MLS #O6392977
About this home
1444 PINE MARSH LOOP
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.* Welcome to 1444 Pine Marsh Loop, a beautifully maintained 4-bedroom, 2-bath home in St. Cloud offering a spacious open floor plan and comfortable modern living. This inviting residence features a bright layout where the kitchen, dining, and main living areas flow seamlessly, creating the perfect space for everyday living and entertaining. The kitchen offers ample cabinetry and counter space and overlooks both the living area and a separate family room, providing flexibility for gatherings, relaxation, or a secondary entertainment space. The home also features a new dishwasher, refrigerator, and AC, adding modern convenience and peace of mind. The split-bedroom layout adds privacy, with a well-appointed primary suite serving as a peaceful retreat. Step outside to a screened-in patio, ideal for enjoying Florida’s outdoors year-round while staying protected from the elements. The backyard offers additional space for relaxing, entertaining, or customizing to your lifestyle. Residents of this community also enjoy access to a pool amenity, perfect for cooling off and socializing. Conveniently located near shopping, dining, parks, and major roadways, this home combines space, functionality, and location in a desirable St. Cloud community.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,071
Sqft
0.14 ac
Lot size
2
Garage
2013
Year built
One
Levels
$203
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.
$3,321 /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
$3,321/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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
−2.4%
$/sqft vs St Cloud actives
$203 vs $221
Days on market
117 vs 33 typical
Where $203/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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
188 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 1% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1444 PINE MARSH LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$399,900
5606 HOLLY HILL PASS
4 bd · 2.5 ba · 2,066 sqft · $194/sqft · 123 DOM
Sold · Feb ’26$410,740
5612 HOLLY HILL PASS
4 bd · 2.5 ba · 2,066 sqft · $199/sqft · 0 DOM
Sold · Nov ’25$399,255
5607 HOLLY HILL PASS
4 bd · 2.5 ba · 2,066 sqft · $193/sqft · 78 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1444 PINE MARSH LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1444 PINE MARSH LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1444 PINE MARSH LOOP FAQs
What would the monthly payment be for 1444 PINE MARSH LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,321/mo — principal and interest, the actual property-tax bill, the $80/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 1444 PINE MARSH LOOP?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1444 PINE MARSH LOOP?+
The most recent tax bill on record (2025) was $5,072. 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 1444 PINE MARSH LOOP?+
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 $420,000, this home is listed about 1% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1444 PINE MARSH LOOP?+
Lakeview Elementary School (elementary), Narcoossee 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
01Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
117 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 $449,000, now $420,000 — a $29K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Thomas Nickley, Jr. MLS #O6392977.
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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