4221 HOLSTEIN STREET, ST CLOUD, FL, 34772
Active119 days on marketListed Mar 30, 2026MLS #S5146833
About this home
4221 HOLSTEIN STREET
Welcome to 4221 Holstein St, St. Cloud, FL! A beautifully maintained smart home situated on a premium wooded homesite overlooking a protected wetland conservation area in one of St. Cloud's fastest-growing and most desirable communities. Lovingly cared for and thoughtfully upgraded, this move-in-ready home offers the perfect blend of modern comfort, energy efficiency, and exceptional outdoor living. Step inside to discover a bright, open floor plan enhanced by upgraded 42-inch cabinetry and stylish flooring, creating a warm and inviting atmosphere throughout. Natural light fills the living spaces, making the home ideal for both everyday living and entertaining. Smart home features and an energy-efficient solar system help keep utility costs low while providing today's modern conveniences. The outdoor living space is truly the highlight of this property. Backing to a protected wetland conservation area with peaceful wooded views and no rear neighbors, you'll enjoy exceptional privacy while relaxing or entertaining. An extended paver patio creates the perfect setting for outdoor dining, weekend barbecues, and enjoying Florida's beautiful weather. The above-ground pool offers a refreshing retreat during the summer months, and a brand-new spare pool liner is included and conveniently stored inside the home. The screened-in lanai provides the perfect place to enjoy your morning coffee or unwind year-round while remaining protected from the elements. The shade sails, decorative lighting, and birdhouses will all remain with the home, adding charm and ambiance to the backyard. Nearly all patio furniture is also included, making this outdoor oasis ready to enjoy from day one (excluding the fire pit coffee table, grills, and grill station). The fully irrigated yard is serviced by an automatic sprinkler system, and the backyard extends approximately 10 feet beyond the existing fence, providing additional outdoor space. The gutter downspouts and pool drainage have also been thoughtfully routed outside the fenced yard for improved drainage. Following the 2024 hailstorm, the home received several valuable updates, including a new roof, new gutters, and professionally cleaned and updated solar panels, offering peace of mind for years to come. Additional highlights include: Premium homesite overlooking a protected wetland conservation area Upgraded 42-inch cabinetry and stylish flooring Energy-efficient solar system with low monthly electric bills Smart home technology throughout SimpliSafe security system included All kitchen and laundry appliances convey Fully irrigated yard with automatic sprinkler system Lovingly maintained and truly move-in ready Beyond the home itself, you'll enjoy outstanding community amenities, including a community swimming pool, tot lot/playground, and dog park, offering recreation and fun for the whole family. Conveniently located near schools, shopping, dining, parks, and major roadways, this home combines everyday convenience with an exceptional lifestyle in one of Central Florida's most desirable and rapidly growing communities. If you're looking for a move-in-ready home that offers modern upgrades, energy efficiency, a private conservation setting, and an incredible backyard designed for entertaining, 4221 Holstein St is one you won't want to miss. Schedule your private showing today and experience everything this exceptional property has to offer!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,443
Sqft
0.17 ac
Lot size
3
Garage
2020
Year built
One
Levels
$182
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.
$64,633 /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
$64,633/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
−29.2%
$/sqft vs St Cloud actives
$182 vs $221
Days on market
119 vs 33 typical
Where $182/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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
199 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 20% 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 4221 HOLSTEIN STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$475,000
897 HITCH LOOP · same community
4 bd · 2 ba · 2,278 sqft · $209/sqft · 14 DOM
Sold · Jan ’26$375,000
5361 SILVER THISTLE LANE
4 bd · 2.5 ba · 2,463 sqft · $152/sqft · 87 DOM
Sold · Dec ’25$487,750
3194 BAYVIEW LANE
4 bd · 2 ba · 2,370 sqft · $206/sqft · 93 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4221 HOLSTEIN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4221 HOLSTEIN STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4221 HOLSTEIN STREET FAQs
What would the monthly payment be for 4221 HOLSTEIN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $64,633/mo — principal and interest, the actual property-tax bill, the $60/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 4221 HOLSTEIN STREET?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4221 HOLSTEIN STREET?+
The most recent tax bill on record (2025) was $739,155. 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 4221 HOLSTEIN STREET?+
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 $444,999, this home is listed about 5% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4221 HOLSTEIN STREET?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$444,999 runs 20% above the ST CLOUD 34772 median — but at 2,443 sqft it's also 24% larger than the typical St Cloud listing.
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
119 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 $465,000, now $444,999 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Rafael Ortiz Pena. MLS #S5146833.
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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