4190 BULL STREET, ST CLOUD, FL, 34772
Active8 days on marketListed Oct 30, 2026MLS #S5160212
About this home
4190 BULL STREET
Virtually Staged. Welcome to this spacious 5-bedroom, 3.5-bath home offering 3,266 sq ft of living space in St. Cloud! Built in 2022 has an open concept floor plan with the primary bedroom located on the first floor. The versatile front flex room is perfect for a home office, study, or hobby space, while the generously sized bonus room offers endless possibilities for an additional living area, media room, game room, or recreation space. Enjoy the private rear courtyard, ideal for relaxing or entertaining, with the added convenience of being close to the community pool and playground. Leased solar panels offer energy-conscious appeal, that carries an easily transferable lease, buyers can verify lease terms and transfer requirements. Conveniently located near Florida’s Turnpike and major highways, with easy access to Lake Nona, shopping, dining, entertainment, and Central Florida’s beautiful beaches. With abundant space and a convenient location, this home offers flexibility to fit a variety of lifestyles! Seller is very Motivated, bring all offers!
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,266
Sqft
0.19 ac
Lot size
3
Garage
2022
Year built
Two
Levels
$162
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.
$4,915 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,915/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+1.4%
$/sqft vs OLD HICKORY PH 1 & 2
$162 vs $213
Days on market
8 vs 53 typical
Where $162/sqft sits among the 6 homes for sale in OLD HICKORY PH 1 & 2
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
35,390
Median age
40.3
Median income
$97,868
Median home value
$390,900
Avg household
2.99
Households w/ children
4,375
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
0 of 6
OLD HICKORY PH 1 & 2 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 37% 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 4190 BULL STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$475,000
4191 HOLSTEIN STREET · same community
5 bd · 4 ba · 3,168 sqft · $150/sqft · 9 DOM
Sold · Jul ’26$425,000
781 TAURUS LANE · same community
4 bd · 3 ba · 2,535 sqft · $168/sqft · 157 DOM
Sold · Nov ’25$349,000
3971 GUERNSEY BEND · same community
3 bd · 2 ba · 1,552 sqft · $225/sqft · 139 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
Derrion White
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4190 BULL STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4190 BULL STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Derrion's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4190 BULL STREET FAQs
What would the monthly payment be for 4190 BULL STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,915/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 4190 BULL 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 4190 BULL STREET?+
The most recent tax bill on record (2025) was $9,867. 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 4190 BULL 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 $530,000, this home is listed about 25% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 4190 BULL 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.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Cynthia Anderson. MLS #S5160212.
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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