4324 PINE LAKE DRIVE, ST CLOUD, FL, 34769
Active222 days on marketListed Dec 9, 2025MLS #P4937199
About this home
4324 PINE LAKE DRIVE
Experience true luxury living in this fully renovated, modern masterpiece located in Saint Cloud. This stunning corner lot, pool home has been completely upgraded from top to bottom with designer finishes, high-end materials, and exceptional attention to detail. Step into a show-stopping kitchen featuring brand new cabinets, a large waterfall-style kitchen island, premium marble-style countertops, LED ambiance lighting, new stainless-steel appliances, and a deep farmhouse sink. The entire home shines with new tile flooring, sleek modern lighting, new ceiling fans, new windows beside 1 window in the front entrance , and double doors leading to the backyard oasis. Almost all doors have also been recently replaced. The spa-like bathrooms have been fully transformed with luxury shower systems, frameless glass, double vanities, and gorgeous tile work throughout. Major upgrades gives the peace of mind, including: Whole-house re-pipe, Whole-house electrical rewiring, Three upgraded breaker panels, Tankless water heater, Whole-home water filtration system + sink filter, New smoke detectors with updated circuits, and GFI outlets added around exterior for security cameras. Outside, enjoy the Florida lifestyle with a beautiful private pool, two large sheds, an exterior shower, and a fully fenced backyard with fruit trees and plenty of storage space. Additional features include: New bedroom & closet doors, New stucco, New modern porch double doors, 12×24 workshop shed, and Dedicated office/library area. This home is move-in ready, meticulously upgraded, and truly one of a kind. With an open layout, abundant natural light, luxurious finishes, and every major system replaced, this property is the perfect blend of comfort, beauty, and peace of mind. Homes with this level of renovation rarely hit the market; come see why this one stands out above the rest. Schedule your private showing today!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,164
Sqft
0.26 ac
Lot size
1976
Year built
Two
Levels
$220
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 — not generic estimates.
$3,634 /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
$3,634/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.
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.
$/sqft vs St Cloud actives
$220 vs $221
Days on market
222 vs 33 typical
Where $220/sqft sits among the 400 St Cloud actives
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 Pine Lake Estates
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
Pine Lake Estates — neighborhood snapshot
Population
1,012
Median age
36
Median income
$62,817
Median home value
$287,161
Avg household
4
Households w/ children
121
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
188 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4324 PINE LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$375,000
4312 PINE LAKE DRIVE · same community
3 bd · 2 ba · 1,786 sqft · $210/sqft · 9 DOM
Sold · Jul ’26$420,000
614 CYPRESS COURT · same community
3 bd · 2 ba · 1,756 sqft · $239/sqft · 43 DOM
Sold · Jun ’26$355,000
610 CYPRESS CT · same community
3 bd · 2 ba · 1,534 sqft · $231/sqft · 14 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4324 PINE LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4324 PINE LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
4324 PINE LAKE DRIVE FAQs
What would the monthly payment be for 4324 PINE LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,634/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 4324 PINE LAKE DRIVE?+
The most recent tax bill on record (2024) was $5,613. 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 4324 PINE LAKE DRIVE?+
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 $475,000, this home is listed about 12% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4324 PINE LAKE DRIVE?+
Neptune Elementary School (elementary), Neptune Middle School (middle), St. Cloud High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$475,000 runs 70% above the ST CLOUD 34769 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
222 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $490,000, now $475,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY CENTRAL FLORIDA LLC · Maria Fernandez. MLS #P4937199.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 4324 PINE LAKE DRIVE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Steeve to ping you on any price or status change →