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$520,000

4210 SOUTHERN VISTA LOOP, ST CLOUD, FL 34772

3D Tour
Active84 days on market

Beds

5

Baths

3

Sq Ft

2,431 sq ft

Year Built

2023

Lot Size

0.12 acres

Garage

2

About This Property

SELLER OFFERING $10,000 TOWARD BUYER’S CLOSING COSTS! More than $50,000 in upgrades! Welcome to this beautifully upgraded 5-bedroom home in Southern Pines, ideally positioned with a peaceful conservation view. One of the five bedrooms has been opened to create a spacious and versatile additional living area, offering the flexibility to enjoy it as a family room, home office, playroom, media room, or easily convert it back to a bedroom to suit your needs. This move-in-ready home offers exceptional value with extensive upgrades already completed, saving the next owner the time, expense, and hassle of completing similar improvements themselves. The spacious floor plan features generous living areas, an open-concept design, a well-appointed kitchen, and a comfortable primary suite designed for everyday living and entertaining. Step outside and enjoy the Florida lifestyle with synthetic turf for low-maintenance outdoor living, pavers surrounding the home, and an outdoor shower. The home backs to a protected conservation area, providing a peaceful natural backdrop and added privacy. The community also features greenbelt areas throughout, along with desirable amenities including a community pool and playground. Located in a desirable St. Cloud community with highly rated schools, including A-rated schools, this home combines extensive upgrades, flexible living space, privacy, outdoor features, and convenience. The community offers excellent access to Florida's Turnpike, making commuting throughout Central Florida convenient, and is approximately 30 minutes from Orlando, depending on traffic and destination. Enjoy easy access to the Florida Turnpike, St. Cloud Lakefront Park, shopping, dining, parks, and major roadways. With over $50,000 in upgrades, a peaceful conservation view, beautiful outdoor spaces, flexible living options, and great community amenities, this home offers the perfect combination of comfort, convenience, and value. It’s move-in ready and waiting for its next owner to enjoy.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6432350
StatusActive
Year Built2023
Stories2
Total Rooms6
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionSOUTHERN PINES PH 5
CountyOsceola
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorPrimaryBedroom Upstairs, Walk-In Closet(s)
FlooringLuxury Vinyl, Porcelain Tile
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryInside, Upper Level
WindowsAluminum Frames, Blinds
CoolingCentral Air
HeatingElectric
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Storage
FencingFenced, Vinyl
Other StructuresShed(s)
Lot Size0.12 acres (5,227 sq ft)
Lot FeaturesConservation Area
Road SurfaceAsphalt
ViewPark/Greenbelt, Trees/Woods
0

Utilities

WaterNone
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Fiber Optics, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$120 / Monthly
Senior CommunityNo

Financial Details

List Price$520,000
Annual Taxes$4,872 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRES
Parcel #132630066300010570

Schools

ElementaryMichigan Avenue Elem (K 5)
MiddleSt. Cloud Middle (6-8)
HighSt. Cloud High School

Directions

From Orlando, take I-4 W to Exit 77 for FL-91 S/Florida's Turnpike. Take Exit 240 toward Kissimmee Park Rd. Turn left onto Kissimmee Park Rd, then turn left onto Old Canoe Creek Rd. In approximately 0.4 miles, turn right onto Nolte Rd. Continue approximately 3.2 miles to Southern Pines. Turn right onto Southern Vista Loop and follow the road to the property.

Location

4210 SOUTHERN VISTA LOOP, ST CLOUD, FL 34772

Listing Information

OfficeKAZA REAL ESTATE LLC
ListedAugust 11, 2026

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Home Price

$520,000

20% ($104,000)
6.75%

Loan Term

Principal & Interest$2,698
Property Tax (est.)$477
Insurance (est.)$150
Total Monthly$3,325
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $520,000 home in ST CLOUD.

🏛️

FHA Loan

$18,200 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$26,000 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: November 3, 2026.

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