4319 SOUTHERN VISTA LOOP, ST CLOUD, FL, 34772
Active2 days on marketListed Nov 6, 2026MLS #O6455602
About this home
4319 SOUTHERN VISTA LOOP
Some of the best decisions in this house were made before the drywall went up. Two extra windows were added on the side wall of the living room, and together with the four-panel sliding door they fill the room with light and open it to the backyard and the water beyond. Ceilings are 9 feet, with 8-foot interior doors, a detail few builders offer. Five ceiling speakers are wired for surround sound. The kitchen keeps it simple: neutral tile, espresso cabinets, and a large white quartz island anchoring the open plan. The range vents out the side of the house instead of through the roof, another upgrade chosen at construction. Out back, the screened lanai has no columns breaking up the screen, so the partial water view stays clean. A dedicated outlet is ready for a TV. The yard is fenced with 6-foot white vinyl on the sides and front, then switches to picket at the back to keep the view open. Since moving in, the owner added whole-house water filtration and a softener, gutters on every side, a pull-down attic ladder with floor panels for storage, and rock landscaping with concrete steps on each side of the driveway. Annual termite protection is in place and transfers to the buyer. An alarm system with two cameras is included. 4 bedrooms, 2 baths, 1,919 square feet, and a 2-car garage. The community was built in 2021 and has a pool and two playgrounds. St. Cloud keeps growing, and daily errands are easy. Publix and ALDI at Crosscreek Village on Canoe Creek Road and the Publix at Narcoossee Shoppes are each a short drive, and downtown St. Cloud is a few miles north. The Florida Turnpike is minutes away, putting Lake Nona's healthcare and dining and Orlando International Airport within easy reach. The price is grounded in recent numbers. A 3-bedroom in the community with about 170 fewer square feet sold in September for $380,000. This home adds a fourth bedroom and more space for $3,500 more, and it sits about $10,000 below the average list price of comparable homes on the market today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,919
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
One
Levels
$200
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.
$3,375 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,375/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+6.4%
$/sqft vs St Cloud actives
$200 vs $213
Days on market
2 vs 53 typical
Where $200/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
35,390
Median age
40.3
Median income
$97,868
Median home value
$390,900
Avg household
2.99
Households w/ children
4,375
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
$411K → $395K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
207 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 1% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4319 SOUTHERN VISTA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$350,000
4334 SOUTHERN VISTA LOOP · same community
3 bd · 2 ba · 1,746 sqft · $200/sqft · 124 DOM
Sold · May ’26$410,000
3920 SOUTHERN VISTA LOOP · same community
5 bd · 2.5 ba · 2,791 sqft · $147/sqft · 190 DOM
Sold · Jan ’26$413,000
4493 SURREY SPRING WAY
3 bd · 2 ba · 1,894 sqft · $218/sqft · 2 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 4319 SOUTHERN VISTA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4319 SOUTHERN VISTA LOOP — 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
4319 SOUTHERN VISTA LOOP FAQs
What would the monthly payment be for 4319 SOUTHERN VISTA LOOP?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,375/mo — principal and interest, the actual property-tax bill, the $107/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 4319 SOUTHERN VISTA LOOP?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4319 SOUTHERN VISTA LOOP?+
The most recent tax bill on record (2026) was $3,666. 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 4319 SOUTHERN VISTA LOOP?+
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 $383,500, this home is listed about 9% below the St Cloud median of $423,080. The market section on this page shows how the area is trending.
Which schools are assigned to 4319 SOUTHERN VISTA LOOP?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ZEMBALA GROUP · Dave Zembala PA. MLS #O6455602.
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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