OLD HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active35 days on marketListed Sep 5, 2026MLS #S5156982
About this home
OLD HICKORY TREE ROAD
Build your future in St. Cloud! This approximately .32 acre vacant residential parcel offers an opportunity to own land in an established and growing area of Osceola County. This property benefits from an easement providing access to the parcel. Conveniently location along Old Hickory Tree Rd with easy access to shopping, dining, schools, and major roadways. With NO HOA, this property offers flexibility for a buyer looking to build or hold land for the future. Buyer and buyer's agent are responsible for verifying zoning, permitted uses, lot dimensions, utilities, well/septic availability, building requirements and all information with the appropriate governmental agencies. Drive by and explore the possibilities.
Facts & features
The home at a glance
0.32 ac
Lot size
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 — not generic estimates.
$731 /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
$731/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.
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 78% 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 OLD HICKORY TREE ROAD
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$315,000
5230 SILVER THISTLE LANE
3 bd · 2 ba · 1,312 sqft · $240/sqft · 35 DOM
Sold · Jan ’26$325,000
4749 GLENCREST LOOP
3 bd · 2 ba · 1,348 sqft · $241/sqft · 37 DOM
Sold · Dec ’25$330,000
4716 GLENCREST LOOP
3 bd · 2 ba · 1,348 sqft · $245/sqft · 84 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about OLD HICKORY TREE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for OLD HICKORY TREE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
OLD HICKORY TREE ROAD FAQs
What would the monthly payment be for OLD HICKORY TREE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $731/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on OLD HICKORY TREE ROAD?+
The most recent tax bill on record (2024) was $93. 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 OLD HICKORY TREE ROAD?+
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 $89,000, this home is listed about 79% 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 OLD HICKORY TREE ROAD?+
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 MCKINNEY REALTY CO · Christy Noad. MLS #S5156982.
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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