4235 PINE TREE DRIVE, ST CLOUD, FL, 34772
Active64 days on marketListed Aug 7, 2026MLS #O6430194
About this home
4235 PINE TREE DRIVE
Over TWO acres of privacy, you can own a slice of country just down the road from all the conveniences of Central Florida living! Built in 2023, this well-maintained 4-bedroom, 2-bathroom manufactured home sits on 2.2 acres, offering the perfect blend of modern comfort and wide-open space. Zoned for AGRICULTURE and with trails already established, bring your favorite animals and enjoy space to spread out. If you are looking to expand and build, remediation will be necessary so check with the local zoning department. Inside, you'll find a spacious and inviting floor plan designed for everyday living and entertaining. Step outside and enjoy everything this property has to offer. The backyard is ideal for relaxing or gathering with family and friends, featuring a charming gazebo and a cozy fire pit. The property is equipped with a private well and septic system, offering added independence and no water or sewer bills. Conveniently located in St. Cloud, you'll enjoy the tranquility of rural living while remaining just a short drive from shopping, dining, schools, and major roadways including the Florida Turnpike. If you've been searching for a newer home with acreage, modern amenities, and room to spread out, this property is one you won't want to miss!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,768
Sqft
2.21 ac
Lot size
2023
Year built
One
Levels
$254
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 — not generic estimates.
$3,270 /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
$3,270/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
+9.8%
$/sqft vs St Cloud actives
$254 vs $211
Days on market
64 vs 65 typical
Where $254/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 Manor Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
St. Cloud Manor Estates — neighborhood snapshot
Population
1,083
Median age
36
Median income
$80,575
Median home value
$311,300
Avg household
3
Households w/ children
122
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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
225 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 13% 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 4235 PINE TREE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$300,100
3261 LA SALLE AVENUE · same community
3 bd · 2 ba · 1,848 sqft · $162/sqft · 8 DOM
Sold · Sep ’26$362,999
1980 BIG BUCK DRIVE
4 bd · 2 ba · 1,788 sqft · $203/sqft · 25 DOM
Sold · Feb ’26$614,900
3720 EDSEL AVE
3 bd · 2 ba · 1,812 sqft · $339/sqft · 220 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4235 PINE TREE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4235 PINE TREE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4235 PINE TREE DRIVE FAQs
What would the monthly payment be for 4235 PINE TREE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,270/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4235 PINE TREE DRIVE?+
The most recent tax bill on record (2025) was $3,145. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $449,900, this home is listed about 5% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4235 PINE TREE DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Dawn Grigsby. MLS #O6430194.
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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