4566 ORCHARD GROVE ROAD, ST CLOUD, FL, 34772
Active123 days on marketListed Apr 3, 2026MLS #S5147168
About this home
4566 ORCHARD GROVE ROAD
Priced to sell in the rapidly growing Saint Cloud area, this 3-bedroom, 2-bathroom home built in 2018 offers nearly 1,900 square feet of living space on a spacious 8,712-square-foot lot. With newer construction and a competitive price point, this property presents an excellent opportunity for buyers looking to secure value in a strong and expanding market. Located just a short drive from Lake Nona, Medical City, and major roadways, this home offers both convenience and long-term potential. Whether you're searching for your next home or a smart investment, this property stands out as a move-in-ready opportunity in a desirable location. Don't miss your chance to own a newer home at an attractive price, schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,894
Sqft
0.2 ac
Lot size
2
Garage
2018
Year built
One
Levels
$197
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.
$3,180 /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
$3,180/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
+2.4%
$/sqft vs St Cloud actives
$197 vs $219
Days on market
123 vs 43 typical
Where $197/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 → $406K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
214 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% 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 4566 ORCHARD GROVE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$334,000
5030 SILVER THISTLE LANE
4 bd · 2 ba · 1,874 sqft · $178/sqft · 0 DOM
Sold · Mar ’26$425,000
3500 EDSEL AVENUE
3 bd · 2 ba · 1,873 sqft · $227/sqft · 0 DOM
Sold · Feb ’26$341,000
570 BROWN BEAR WAY
4 bd · 2 ba · 1,854 sqft · $184/sqft · 133 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4566 ORCHARD GROVE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4566 ORCHARD GROVE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4566 ORCHARD GROVE ROAD FAQs
What would the monthly payment be for 4566 ORCHARD GROVE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,180/mo — principal and interest, the actual property-tax bill, the $9/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 4566 ORCHARD GROVE ROAD?+
The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4566 ORCHARD GROVE ROAD?+
The most recent tax bill on record (2025) was $7,728. 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 4566 ORCHARD GROVE ROAD?+
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 $374,000, this home is listed about 13% 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 4566 ORCHARD GROVE ROAD?+
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 ROYAL REALTY REAL ESTATE, LLC · Javier Pena. MLS #S5147168.
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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