4260 ARCADIA GARDEN WAY, ST CLOUD, FL, 34772
Active11 days on marketListed Sep 29, 2026MLS #O6444842
About this home
4260 ARCADIA GARDEN WAY
Under Construction. Located at 4260 Arcadia Garden Way in St. Cloud, this new construction home for sale offers 3,119 square feet of living space across 2 levels. The thoughtfully arranged floorplan balances shared gathering areas with private retreats, making it well suited to a variety of household needs. Key features include 4 bedrooms–including an owner's bedroom with a private en-suite bathroom–3 full bathrooms plus 1 half bathroom for guests, an open-concept living space connecting the kitchen, dining, and family areas, a covered lanai that extends the living space outdoors, a study, a spacious loft, a 2-car garage, and more! The main level centers on an open-concept living space, where the kitchen, dining area, and family room flow together without visual barriers. This layout keeps conversation easy during everyday meals and larger get-togethers alike, and it allows natural light to reach farther into the interior. The covered lanai provides a shaded spot for morning coffee, weekend meals, or simply enjoying Florida's climate year-round. It serves as a natural extension of the interior gathering areas and adds usable square footage beyond the walls of the home. Attention to design quality is evident throughout, from the proportions of the rooms to the way circulation paths connect one area to the next. Secondary bedrooms offer flexibility for family members, guests, a home office, or hobby space, while the additional full bathrooms reduce morning congestion!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,119
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$183
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.
$3,524 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,047/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+3.3%
$/sqft vs St Cloud actives
$183 vs $211
Days on market
11 vs 65 typical
Where $183/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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
226 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 43% 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 4260 ARCADIA GARDEN WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$575,000
5184 PRAIRIE PRESERVE RUN
5 bd · 4 ba · 3,120 sqft · $184/sqft · 180 DOM
Sold · Mar ’26$570,000
5202 PRAIRIE PRESERVE RUN
5 bd · 4.5 ba · 3,120 sqft · $183/sqft · 224 DOM
Sold · Oct ’25$405,000
3422 PERCHING ROAD
4 bd · 2.5 ba · 3,111 sqft · $130/sqft · 36 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4260 ARCADIA GARDEN WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4260 ARCADIA GARDEN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4260 ARCADIA GARDEN WAY FAQs
What would the monthly payment be for 4260 ARCADIA GARDEN WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,524/mo — principal and interest, estimated property taxes, 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 4260 ARCADIA GARDEN WAY?+
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 4260 ARCADIA GARDEN WAY?+
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 4260 ARCADIA GARDEN WAY?+
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 $569,990, this home is listed about 33% 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 4260 ARCADIA GARDEN WAY?+
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 KELLER WILLIAMS ADVANTAGE REALTY · Stacie Brown Kelly. MLS #O6444842.
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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