374 PINE TREE BRIDGE TRAIL, ST CLOUD, FL, 34772
Active89 days on marketListed Apr 22, 2026MLS #S5147915
About this home
374 PINE TREE BRIDGE TRAIL
Step into your dream home in the Southern Pines subdivision. Almost a brand-new builder’s model showcasing high-end upgrades and a thoughtfully designed modern layout.Featuring the highly desirable Redbud floor plan, this spacious residence offers 5 bedrooms and 3 full bathrooms with an open-concept design ideal for today’s lifestyle. The main level boasts fully tiled living areas, where the gourmet kitchen seamlessly overlooks the expansive great room and dining space, enhanced by a stylish modern accent wall, perfect for everyday living and entertaining. A first-floor bedroom and full bathroom provide flexibility for guests, a home office, or multi-generational living. Enjoy true Florida living outdoors with an extended covered lanai and fully equipped summer kitchen, all overlooking a peaceful lake view with fountain. The extended, fully fenced backyard offers both privacy and space for relaxation or gatherings.Upstairs, a spacious loft area leads to four additional bedrooms and two full bathrooms. Additional highlights include a finished garage floor, window treatments throughout, and solar panels for significantly reduced energy costs. Ideally located near major highways, Orlando International Airport, world renowned theme parks, and top-rated schools, this home offers the perfect blend of convenience, comfort, and lifestyle.A true must-see, schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,328
Sqft
0.16 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$236
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.
$4,251 /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
$4,251/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
+28.8%
$/sqft vs St Cloud actives
$236 vs $221
Days on market
89 vs 33 typical
Where $236/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
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)
189 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 49% 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 374 PINE TREE BRIDGE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$412,250
585 PINK IBIS BEND · same community
4 bd · 3 ba · 2,091 sqft · $197/sqft · 98 DOM
Sold · Jun ’26$490,000
4226 SOUTHERN VISTA LOOP · same community
6 bd · 3 ba · 2,667 sqft · $184/sqft · 158 DOM
Sold · Oct ’25$395,000
319 PINE TREE BRIDGE TRAIL · same community
3 bd · 2.5 ba · 1,864 sqft · $212/sqft · 7 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 374 PINE TREE BRIDGE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 374 PINE TREE BRIDGE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
374 PINE TREE BRIDGE TRAIL FAQs
What would the monthly payment be for 374 PINE TREE BRIDGE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,251/mo — principal and interest, the actual property-tax bill, the $105/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 374 PINE TREE BRIDGE TRAIL?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 374 PINE TREE BRIDGE TRAIL?+
The most recent tax bill on record (2025) was $6,063. 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 374 PINE TREE BRIDGE TRAIL?+
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 $550,000, this home is listed about 29% 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 374 PINE TREE BRIDGE TRAIL?+
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 LA ROSA REALTY LLC · Monique Morgan. MLS #S5147915.
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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