3919 KNOTTY PINE STREET, ST CLOUD, FL, 34772
Active33 days on marketListed Sep 7, 2026MLS #S5156676
About this home
3919 KNOTTY PINE STREET
PRICE IMPROVEMENT AND UP TO $15,000 IN CONCESSIONS! Welcome to this move-in-ready, two-story townhome in Havenfield at Cross Prairie. Built in 2024, the home offers 4 bedrooms, 2.5 bathrooms, a versatile loft, a two-car garage, and 2,160 square feet of living space. The open-concept main level features a stylish kitchen with quartz countertops, generous cabinetry, and an effortless flow into the dining and living areas—ideal for everyday living and entertaining. Ceramic tile and luxury vinyl flooring throughout mean there is no carpet to maintain. Upstairs, the spacious primary suite includes a walk-in closet and private en-suite bathroom, while three additional bedrooms and the loft provide flexible space for a home office, media area, or hobbies. Convenient access to Florida’s Turnpike places shopping, dining, and other everyday destinations within easy reach. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,160
Sqft
0.07 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$174
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.
$3,238 /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
$3,238/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
+8.8%
$/sqft vs St Cloud actives
$174 vs $212
Days on market
33 vs 68 typical
Where $174/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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
240 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 6% 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 3919 KNOTTY PINE STREET
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$477,000
4836 SHADY PINES DRIVE · same community
4 bd · 3 ba · 2,173 sqft · $220/sqft · 195 DOM
Sold · Mar ’26$510,000
4871 SHADY PINES DRIVE · same community
4 bd · 3 ba · 2,174 sqft · $235/sqft · 132 DOM
Sold · Mar ’26$465,000
4878 SHADY PINES DRIVE · same community
4 bd · 3 ba · 2,174 sqft · $214/sqft · 112 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3919 KNOTTY PINE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3919 KNOTTY PINE STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3919 KNOTTY PINE STREET FAQs
What would the monthly payment be for 3919 KNOTTY PINE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,238/mo — principal and interest, the actual property-tax bill, the $333/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 3919 KNOTTY PINE STREET?+
The association fee works out to $333 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3919 KNOTTY PINE STREET?+
The most recent tax bill on record (2025) was $4,457. 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 3919 KNOTTY PINE 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 $375,000, this home is listed about 13% below the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3919 KNOTTY PINE STREET?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS LEGACY REALTY · Christy Salahuddin. MLS #S5156676.
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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