4916 SHADY PINES DRIVE, ST CLOUD, FL, 34772
Active10 days on marketListed Sep 10, 2026MLS #O6440256
Come see it
Upcoming open house
Sun, Sep 20
2:00 PM – 5:00 PM
About this home
4916 SHADY PINES DRIVE
Welcome to this beautifully maintained 4-bedroom, 3-bathroom home, built in 2024 and offering modern finishes, an open-concept design, and desirable features throughout. The spacious floor plan provides a natural flow between the living, dining, and kitchen areas, creating a comfortable setting for everyday living and entertaining. The gourmet kitchen is a standout feature, offering 42-inch cabinetry, elegant quartz countertops, ample storage, and a modern design. One of the four bedrooms includes its own private full bathroom, providing additional flexibility and convenience. Enjoy outdoor living from the covered lanai, complete with ceiling fans and plenty of space to relax or entertain. The property also features a water softener and a fully fenced yard with a PVC privacy fence. Built in 2024, this newer home offers modern construction and a move-in-ready opportunity. Conveniently located near major highways, the Florida Turnpike, and the Lake Nona area, providing easy access to shopping, dining, employment centers, and surrounding areas. With its modern design, desirable floor plan, upgraded kitchen, private outdoor space, and convenient location, this home is a must-see. Schedule your showing today—this opportunity won't last!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,166
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
One
Levels
$229
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.
$4,124 /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
$4,124/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
+5.5%
$/sqft vs St Cloud actives
$229 vs $217
Days on market
10 vs 47 typical
Where $229/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
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 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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 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 24% 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 4916 SHADY PINES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$419,990
4946 PRAIRIE PRESERVE RUN · same community
4 bd · 2.5 ba · 2,270 sqft · $185/sqft · 47 DOM
Sold · Jan ’26$418,990
4953 CROSS PRAIRIE PARKWAY · same community
4 bd · 2.5 ba · 2,270 sqft · $185/sqft · 53 DOM
Sold · Dec ’25$549,990
4946 SHADY PINES DRIVE · same community
5 bd · 3 ba · 2,883 sqft · $191/sqft · 318 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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4916 SHADY PINES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4916 SHADY PINES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4916 SHADY PINES DRIVE FAQs
What would the monthly payment be for 4916 SHADY PINES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,124/mo — principal and interest, the actual property-tax bill, the $75/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 4916 SHADY PINES DRIVE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4916 SHADY PINES DRIVE?+
The most recent tax bill on record (2025) was $9,068. 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 4916 SHADY PINES DRIVE?+
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 $495,000, this home is listed about 15% 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 4916 SHADY PINES DRIVE?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Binette Espinel. MLS #O6440256.
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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