CENTURY 21 Edge
$419,9904 bd3 ba2,061 sqft$204 /sqft≈$3,193 /mo all-in ↓

2781 COULTER PINE PLACE, ST CLOUD, FL, 34771

Active1 days on marketListed Oct 9, 2026MLS #O6448622

Single Family ResidencePINE GLEN 50S

About this home

2781 COULTER PINE PLACE

From the moment you arrive, 2781 Coulter Pine Place feels like a home designed for real life, beautiful enough to impress, flexible enough to grow with you, and comfortable enough to make every day feel easy. Built in 2023 and located in Pine Glen, this single-story St. Cloud residence offers approximately 2,061 square feet with 4 bedrooms, 3 full bathrooms, a screened patio, and a thoughtful layout balancing open gathering spaces with private retreats. A covered front porch creates a warm welcome before you step inside to an open interior where the kitchen, dining area, and living room flow together naturally. Whether preparing dinner, hosting friends, or gathering for the holidays, this connected space keeps everyone part of the moment. The kitchen is everything you are looking for in both design and functionality, featuring quartz countertops, a generous island with double sink, pantry storage, and a layout made for cooking, entertaining, and everyday living. The current owners have a beverage refrigerator in the dishwasher space; prior to closing, a new stainless steel dishwasher will be installed. Tile flooring throughout the main living areas adds style and practicality. Privately positioned toward the rear of the home, the primary suite offers a relaxing retreat with a spacious walk-in closet and ensuite bath featuring dual sinks, a walk-in shower, and a separate soaking tub. Three additional bedrooms provide options for family, guests, a home office, fitness room, hobby space, or whatever fits your lifestyle. Three full bathrooms make busy mornings and overnight guests easier, while the interior laundry room adds everyday convenience. Step outside to the screened rear patio and discover a space that can quickly become one of your favorite parts of the home. Start the morning with coffee, unwind after a long day, or enjoy evening conversation in a sheltered outdoor setting. Between the covered front porch and screened patio, this home gives you inviting spaces to slow down and enjoy the Florida lifestyle. Life in Pine Glen is about more than the home itself. The community offers outstanding amenities for recreation and outdoor living, including pickleball courts, basketball courts, soccer field, playground, dog park, sidewalks, and expansive green spaces. Whether your ideal afternoon means a swim, a friendly game, time at the playground, walking the dog, or simply enjoying the open surroundings, there is something here for nearly every lifestyle. Beyond the neighborhood, St. Cloud and Lake Nona put shopping, dining, recreation, and healthcare within convenient reach. Enjoy St. Cloud Lakefront Park, downtown St. Cloud, Lake Nona dining, Harmony Golf Preserve, and Nona Adventure Park, with Orlando Health St. Cloud Hospital and UCF Lake Nona Hospital nearby. The location offers convenient access to US-192, Florida’s Turnpike, Lake Nona, Orlando International Airport, world-famous attractions, beaches, and Port Canaveral. Whether the day calls for work, dining out, a theme-park adventure, a beach escape, or relaxing at home, you are well positioned for it all. If you have been searching for a newer home that delivers style, flexibility, a beautifully functional kitchen, exceptional community amenities, and spaces to gather and recharge, 2781 Coulter Pine Place deserves your attention. Schedule your private showing and experience how easily this home can fit the life you are ready to live.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,061

Sqft

0.15 ac

Lot size

2023

Year built

Two

Levels

$204

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorSolid Surface Counters · Solid Wood Cabinets · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral · Electric · Solar · Zoned

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouthwest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$87/mo
Taxes (2025)$3,456/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Yes
CommunityDeed Restrictions · Playground · Pool

Utilities & systems

UtilitiesCable Available · Cable Connected · Electricity Available · Electricity Connected · Fiber Optics · Public · Sewer Available · Sewer Connected
WaterPublic

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.

$3,193 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,472
FHA mortgage insurance (est.)$186
Property tax — 2025 actual bill$288
HOA fee — from the listing$87
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,700
Interest rate6.00%
Loan term

Estimated payment

$3,193/mo

Principal & interest$2,472
FHA mortgage insurance (est.)$186
Property taxes (actual bill)$288
HOA / condo fee$87
Est. insurance$160

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.

List $420K
$347KedgeAI estimate $387,541 · range $362K–$403K$437K

vs edgeAI estimate

+8.4%

$/sqft vs St Cloud actives

$204 vs $211

Days on market

1 vs 65 typical

Where $204/sqft sits among the 399 St Cloud actives

107
135 · this home
84
30
17
26
$151–187$187–223$223–259$259–295$295–331$331+

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

Universal Orlando≈ 39 min
Walt Disney World≈ 40 min
Orlando Int’l Airport (MCO)≈ 40 min
Downtown Orlando≈ 40 min

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

ElementaryNarcoossee Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketLeans seller — 4.6 months of inventoryBuyer’s market

$412K → $399K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

224 of 399

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 1% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Oct 9, 2026Listed at $419,990 · 1 days on market since
2023Built · PINE GLEN 50S

Reality check

What actually sold near 2781 COULTER PINE PLACE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2867 ELIO HAMMOCK DRIVESold · Feb ’26

$444,990

2867 ELIO HAMMOCK DRIVE

4 bd · 3 ba · 2,108 sqft · $211/sqft · 151 DOM

7206 NOTTINGHAM REEL COURTSold · Feb ’26

$439,990

7206 NOTTINGHAM REEL COURT

4 bd · 3 ba · 2,108 sqft · $209/sqft · 213 DOM

3100 CRISPIN CIRCLESold · Aug ’26

$390,000

3100 CRISPIN CIRCLE

4 bd · 2 ba · 2,000 sqft · $195/sqft · 156 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.

Seth Cabrera - Rothschild

Your agent

Seth Cabrera - Rothschild

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2781 COULTER PINE PLACE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2781 COULTER PINE PLACE — before you fall in love.

See it in person

Schedule a tour

Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2781 COULTER PINE PLACE FAQs

What would the monthly payment be for 2781 COULTER PINE PLACE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,193/mo — principal and interest, the actual property-tax bill, the $87/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 2781 COULTER PINE PLACE?+

The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2781 COULTER PINE PLACE?+

The most recent tax bill on record (2025) was $3,456. 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 2781 COULTER PINE PLACE?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $419,990, this home is listed about 2% 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 2781 COULTER PINE PLACE?+

Narcoossee Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of LIVE MVRK LLC · Jared Dunn. MLS #O6448622.

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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