$374,990
6404 SPRUCEPINE LANE, ST CLOUD, FL 34771
Beds
5
Baths
3
Sq Ft
2,445 sq ft
Year Built
2022
Lot Size
0.11 acres
Garage
2
About This Property
**Low HOA and NO CDD** Seller is offering a $5,000 credit toward buyer closing costs or allowable credits, subject to lender approval. Welcome to 6404 Sprucepine Ln, St. Cloud, FL 34771, a beautifully maintained home located in one of St. Cloud’s growing and desirable areas. This inviting property offers a comfortable and functional layout with bright living spaces, perfect for both everyday living and entertaining. The home features spacious bedrooms, an open-concept living and dining area, and a well-appointed kitchen with ample cabinet and counter space. Enjoy outdoor living in the private backyard, ideal for relaxing or hosting gatherings. A garage and additional storage add everyday convenience. Ideally situated with easy access to major roadways, this home is just a short drive to Lake Nona, Kissimmee, and Orlando, placing shopping, dining, medical facilities, schools, and entertainment within reach.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From US-192 in St. Cloud, head south on Narcoossee Rd. Turn left onto Jack Brack Rd. Turn right onto Sprucepine Ln. Continue to 6404 Sprucepine Ln, Saint Cloud, FL 34771. The property will be on your right.
Location
6404 SPRUCEPINE LANE, ST CLOUD, FL 34771
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$374,990
Loan Term
How to Buy This Home
Multiple financing options available for this $374,990 home in ST CLOUD.
🏛️
FHA Loan
$13,125 Down
Government-backed, low down payment. Credit scores as low as 580.
🏦
Conventional
$18,750 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.