6452 SPRUCEPINE LANE, ST CLOUD, FL, 34771
Active31 days on marketListed Sep 17, 2026MLS #O6442214
About this home
6452 SPRUCEPINE LANE
SOLAR-EQUIPPED LIVING, MODERN DESIGN, A TWO-CAR GARAGE, AND OUTSTANDING COMMUNITY AMENITIES—ALL IN ONE PROPERTY! Discover this attractive two-story residence, built in 2023 and located in the Pine Glen community of St. Cloud. The property offers 3 bedrooms, 2 full bathrooms, 1 half bathroom, smart-home features, solar panels, and thoughtfully designed spaces for a comfortable, convenient, and modern lifestyle. The charming exterior features a covered front porch and additional parking conveniently located directly in front of the property. The first floor offers tile flooring, recessed lighting, a convenient half bathroom, and an open layout that seamlessly connects the living room, dining area, and kitchen. The kitchen stands out with its large center island with seating, elegant cabinetry, modern countertops, pantry, and stainless-steel appliances. The washer and dryer are also included in the interior laundry room. All three bedrooms are located on the second floor and feature carpeting for added comfort. The spacious primary suite includes a private bathroom with a soaking tub and separate shower. Its walk-in closet is thoughtfully located outside the bathroom, helping protect clothing from bathroom moisture. The two additional bedrooms share a second full bathroom. One of the property’s most distinctive features is the detached rear-entry two-car garage. A covered lanai between the residence and garage creates a versatile outdoor space for relaxing, entertaining, or potentially designing a future screened terrace or barbecue area, subject to HOA approval and applicable permits. The rectangular homesite provides functional outdoor space without the burden of maintaining an oversized yard. The property also features an existing preventive termite-treatment system. Community amenities include pickleball and basketball courts, a soccer field, playground, dog park, expansive green spaces, and a centralized mailbox area. Enjoy a strategic location in one of St. Cloud’s growing areas, approximately 15 miles from Florida’s Turnpike, 24 miles from Orlando International Airport, 35 miles from Walt Disney World, 38 miles from Universal Studios, 48 miles from Kennedy Space Center, 50 miles from Melbourne Beach, and 55 miles from Port Canaveral. The property also provides convenient access to US-192, Lake Nona, shopping, restaurants, and medical facilities. Schedule your private showing today and discover everything this beautiful St. Cloud property!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,982
Sqft
0.11 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$192
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.
$3,016 /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
$3,016/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
+6.9%
$/sqft vs PINE GLEN
$192 vs $197
Days on market
31 vs 60 typical
Where $192/sqft sits among the 7 homes for sale in PINE GLEN
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 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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
6 of 7
PINE GLEN have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% 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 6452 SPRUCEPINE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$339,900
6449 SPRUCEPINE LANE · same community
3 bd · 2.5 ba · 2,000 sqft · $170/sqft · 112 DOM
Sold · Sep ’26$355,000
2743 SLASH WAY · same community
4 bd · 2 ba · 1,853 sqft · $192/sqft · 165 DOM
Sold · Jan ’26$410,000
6300 CHIRPINE LANE · same community
4 bd · 3 ba · 2,133 sqft · $192/sqft · 25 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6452 SPRUCEPINE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6452 SPRUCEPINE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6452 SPRUCEPINE LANE FAQs
What would the monthly payment be for 6452 SPRUCEPINE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,016/mo — principal and interest, the actual property-tax bill, 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 6452 SPRUCEPINE LANE?+
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 6452 SPRUCEPINE LANE?+
The most recent tax bill on record (2025) was $4,327. 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 6452 SPRUCEPINE LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $380,000, this home is listed about 11% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6452 SPRUCEPINE LANE?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee 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 EXP REALTY LLC · Ariel Vargas. MLS #O6442214.
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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