4284 ARCADIA GARDEN WAY, ST CLOUD, FL, 34772
Active11 days on marketListed Sep 29, 2026MLS #O6445330
About this home
4284 ARCADIA GARDEN WAY
Under Construction. Located at 4284 Arcadia Garden Way in St Cloud, this new construction home offers 3,556 square feet of living space across 2 levels. The layout is designed for everyday comfort, with 5 bedrooms and 5 bathrooms providing room for family members, guests, or a dedicated home office. Additional highlights include a covered lanai, a covered balcony, a loft, owner's suites on the main and upper levels, a 2-car garage, and more! The main level centers on an open-concept living space that connects the kitchen, dining area, and gathering room. This arrangement keeps conversation flowing between rooms and allows natural light to reach deeper into the interior. A covered lanai extends the living area outdoors, offering a shaded spot for morning coffee, evening meals, or weekend gatherings. Thoughtful design carries through the home, from the traffic flow between shared and private spaces to the placement of windows that bring in daylight. The second level adds separation between sleeping quarters and the main gathering areas, a practical benefit for households with varied schedules. As a new construction home, the structure, systems, and finishes are all new, reducing the maintenance tasks that typically come with older homes. Pre-selected features are already in place throughout the interior!
Facts & features
The home at a glance
5
Bedrooms
5
Bathrooms
3,783
Sqft
0.17 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$185
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.
$4,275 /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
$4,916/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
+15.4%
$/sqft vs St Cloud actives
$185 vs $211
Days on market
11 vs 65 typical
Where $185/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 75% 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 4284 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 · Jan ’26$647,000
5196 PRAIRIE RESERVE RUN
5 bd · 4 ba · 3,559 sqft · $182/sqft · 0 DOM
Sold · Jan ’26$647,000
5196 PRAIRIE PRESERVE RUN
5 bd · 4 ba · 3,556 sqft · $182/sqft · 132 DOM
Sold · Feb ’26$618,990
5220 PRAIRIE PRESERVE RUN
5 bd · 4 ba · 3,556 sqft · $174/sqft · 141 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4284 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 4284 ARCADIA GARDEN WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4284 ARCADIA GARDEN WAY FAQs
What would the monthly payment be for 4284 ARCADIA GARDEN WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,275/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 4284 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 4284 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 4284 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 $699,990, this home is listed about 63% 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 4284 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 #O6445330.
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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