HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active6 days on marketListed Sep 14, 2026MLS #V4950949
About this home
HICKORY TREE ROAD
This 9.45 acre vacant residential parcel on Hickory Tree Road in Saint Cloud offers key potential in a growing Osceola County corridor. The property features a Future Land Use designation of Low Density Residential (LDR), offering strong potential to seek a variance or rezoning approval for 3 to 8 units per acre, subject to Osceola County planning and zoning approval. Conveniently located near local services, major regional routes, and zoned schools. This site presents an exceptional opportunity for custom home developers or long-term land investors. Buyers and buyer agents are advised to independently verify all zoning, future land use, wetland boundaries, soil suitability, and potential unit densities with Osceola County authorities.
Facts & features
The home at a glance
9.49 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.
$2,598 /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
$2,598/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 → $394K
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 12% 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 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 · Sep ’26$140,000
1726 MISSOURI AVENUE · same community
2 bd · 2 ba · 636 sqft · $220/sqft · 47 DOM
Sold · Jun ’26$175,000
902 COLUMBIA AVENUE · same community
2 bd · 1 ba · 744 sqft · $235/sqft · 201 DOM
Sold · Jun ’26$100,000
841 ROBINSON COURT · same community
2 bd · 1 ba · 784 sqft · $128/sqft · 8 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 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 HICKORY TREE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
HICKORY TREE ROAD FAQs
What would the monthly payment be for HICKORY TREE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,598/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 HICKORY TREE ROAD?+
The most recent tax bill on record (2025) was $2,674. 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 HICKORY TREE 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 $350,000, this home is listed about 18% 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 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.
The brief
Three things that matter here
01Under the ST CLOUD 34772 market on paper
$350,000 is 12% below the ST CLOUD 34772 median of $399,950.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 6 days on market in a St Cloud market that averages 47 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Cassie Landron. MLS #V4950949.
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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