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$530,000

4190 BULL STREET, ST CLOUD, FL 34772

3D Tour
Active1 days on market

Beds

5

Baths

4

Sq Ft

3,266 sq ft

Year Built

2022

Lot Size

0.19 acres

Garage

3

About This Property

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!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #S5160212
StatusActive
Year Built2022
Stories2
Total Rooms11
ConstructionBlock, Concrete, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionOLD HICKORY PH 1 & 2
CountyOsceola
OwnershipFee Simple
FurnishedNegotiable

Interior Features

InteriorSmart Home
FlooringCarpet, Ceramic Tile
AppliancesCooktop, Disposal, Dryer, Electric Cooktop, Exhaust Fan, Microwave, Range, Refrigerator, Washer
LaundryLaundry Room
CoolingCentral Air
HeatingCentral, Electric
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.19 acres (8,276 sq ft)
Lot FeaturesLandscaped, Sidewalk
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Public, Sewer Connected, Solar, Sprinkler Meter, Sprinkler Recycled, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$60 / Monthly
Senior CommunityNo

Financial Details

List Price$530,000
Annual Taxes$9,867 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #132630011700011920

Schools

ElementaryMichigan Avenue Elem (K 5)
MiddleHarmony Middle
HighHarmony High

Directions

Go south on Narcoossee Rd pass US 192 become Hickory Tree Rd then make left onto Nolte Rd look for Old Hickory subdivisions on your left make left two block make left onto Holstein St. look for 4491 on your left. Coming from the Turnpike take exit 240 Clay Whaley Rd/Kissimmee Park Rd. turn left off turnpike to light at Canoe Creek Rd. Turn left to W Nolte Rd. Turn right on Nolte Rd. Continue on Nolte Rd past Walmart to Old Hickory neighborhood turn right. Take until you reach Bull Street make a left to 4190 on the right.

Location

4190 BULL STREET, ST CLOUD, FL 34772

Listing Information

OfficeWEICHERT REALTORS HALLMARK PRO
ListedOctober 30, 2026

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Home Price

$530,000

20% ($106,000)
6.75%

Loan Term

Principal & Interest$2,750
Property Tax (est.)$486
Insurance (est.)$150
Total Monthly$3,386
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $530,000 home in ST CLOUD.

🏛️

FHA Loan

$18,550 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

$26,500 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: October 31, 2026.

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