3622 TREE LINE WAY, ST CLOUD, FL, 34769
Active178 days on marketListed Jan 28, 2026MLS #S5141984
About this home
3622 TREE LINE WAY
Excellent opportunity in Saint Cloud. This corner single-family home offers 3 bedrooms and 2 bathrooms, with 1,441 square feet of living space situated on a spacious 10,193 square foot lot. One of the main highlights of this residence is its private screened-in pool, perfect for enjoying the Florida lifestyle year-round, creating an ideal outdoor entertaining space, or simply relaxing with privacy. The property features recently renovated bathrooms along with key structural updates that add value and peace of mind for the buyer, including a roof replaced in 2018, a water heater approximately 5 years old, and an electrical system updated in 2025. Saint Cloud continues to establish itself as one of the most promising cities in Central Florida, driven by new commercial development, infrastructure improvements, service expansion, economic growth, and increasing residential demand, all of which enhance the area’s appeal for buyers seeking quality of life and short- to mid-term equity potential. Conveniently located near schools, shopping, parks, restaurants, and with easy access to major roadways, providing seamless connectivity to Kissimmee, Lake Nona, and the greater Orlando metropolitan area. Low HOA: $125 annually.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,441
Sqft
0.23 ac
Lot size
2
Garage
1989
Year built
One
Levels
$267
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.
$2,665 /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
$2,665/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
+12.2%
$/sqft vs St Cloud actives
$267 vs $219
Days on market
178 vs 33 typical
Where $267/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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
197 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 45% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3622 TREE LINE 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$370,000
3606 TREE LINE WAY · same community
3 bd · 2 ba · 1,465 sqft · $253/sqft · 15 DOM
Sold · Sep ’25$355,000
3623 TREE LINE WAY · same community
3 bd · 2 ba · 1,318 sqft · $269/sqft · 26 DOM
Sold · Sep ’25$330,000
3038 ELBIB DRIVE
3 bd · 2 ba · 1,499 sqft · $220/sqft · 64 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
Lyra Rae
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 3622 TREE LINE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3622 TREE LINE WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Lyra's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3622 TREE LINE WAY FAQs
What would the monthly payment be for 3622 TREE LINE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,665/mo — principal and interest, the actual property-tax bill, the $10/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 3622 TREE LINE WAY?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3622 TREE LINE WAY?+
The most recent tax bill on record (2025) was $708. 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 3622 TREE LINE WAY?+
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 $384,900, this home is listed about 9% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3622 TREE LINE WAY?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$384,900 runs 45% above the ST CLOUD 34769 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
178 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $389,000, now $384,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MY REALTY GROUP, LLC. · Laury Cruz Penalo De Gomez. MLS #S5141984.
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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