
4836 SHADY PINES DRIVE, ST CLOUD, FL, 34772
Active168 days on marketListed Feb 5, 2026MLS #S5142774
About this home
4836 SHADY PINES DRIVE
Virtually Staged. MOTIVATED SELLER, JUST DROPED DOWN THE PRICE!!!! PLEASE NOTE THAT TAXES DO NOT REFLECT HOMESTEAD EXEMPTION OR ANY OTHER MILITARY CREDIT AS IT WAS BOUGHT AS A SECONDARY HOME!!! Three photos have been digitally staged with furniture. Built beyond builder grade, this like-new residence (2024) features thousands of dollars in premium structural upgrades you won't find in standard new construction. Why wait on the builder when this exceptional home is already complete and ready now? Thoughtfully constructed beyond builder-grade standards, this home showcases the level of quality and attention typically reserved for model homes. Carefully selected structural enhancements elevate both form and function, offering a refined living experience buyers often wait months-and pay significantly more-to achieve. Here, every major upgrade is already in place, eliminating uncertainty, construction delays, and additional costs. Opportunities like this are limited. Homes with this level of upgrades, condition, and readiness rarely come to market. Located within a brand-new community, this property presents a rare opportunity to own one of the most comprehensively upgraded homes available while still enjoying the benefits of new construction. Simply bring your furnishings and make it your own-this is turnkey quality without the builder timeline. The heart of the home is a stunning gourmet kitchen featuring stacked perimeter cabinetry, crown molding, matte gold hardware, and a striking navy island with Level 3 Valence Pearl quartz and soft-close doors and drawers. Fully upgraded Samsung stainless steel appliance package includes a 5-element WiFi cooktop, microwave/oven combo, hood, dishwasher, and upgraded refrigerator. Level 4 wall tile extends to the ceiling, creating a true designer finish. A versatile in-law suite offers a private en-suite bath with dual access—one from inside the home and an additional exterior entrance—providing endless options for guests, multigenerational living, or home office flexibility. The primary retreat features tray ceilings, laminate flooring, and a spa-like bathroom with skylight, upgraded 3/8” shower enclosure with bench, linen closet, walk-in closet with door, and Level 4 wall tile to the ceiling with upgraded shower floor tile. Situated on a desirable corner lot, the home showcases Elevation B with Calico stone accents, a paved driveway, and inviting covered, paved lanai. Interior highlights include 9’4” ceilings, tray ceilings in the living room, hallway, and primary bedroom, Level 6 oversized 32”x32” ceramic tile throughout main living areas and baths, blinds throughout, and upgraded sliding glass doors plus expanded living room windows for added natural light. Additional thoughtful upgrades include pendant light pre-wires over the island, pre-plumb for a future water softener, a structural wall upgrade for a future summer kitchen on the lanai, and flood light pre-wire—making this home as functional as it is beautiful. Don't let this opportunity pass you by. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,173
Sqft
0.21 ac
Lot size
2
Garage
2024
Year built
One
Levels
$230
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 and the real association fee — not generic estimates.
$4,148 /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
$4,148/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.
vs edgeAI estimate
+9.2%
Days on market
168 vs 33 typical
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 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
$414K → $400K
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 35% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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 4836 SHADY PINES DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4836 SHADY PINES 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
4836 SHADY PINES DRIVE FAQs
What would the monthly payment be for 4836 SHADY PINES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,148/mo — principal and interest, the actual property-tax bill, the $70/mo association fee 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.
How much are the HOA fees at 4836 SHADY PINES DRIVE?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4836 SHADY PINES DRIVE?+
The most recent tax bill on record (2025) was $9,054. 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 4836 SHADY PINES DRIVE?+
The listing reports pets: Breed Restrictions, 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 $499,900, this home is listed about 18% 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 4836 SHADY PINES DRIVE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$499,900 runs 35% above the ST CLOUD 34772 median.
02Time on market is leverage
168 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $588,990, now $499,900 — a $89K cut. The full history is in the market section below.
Listing courtesy of NORTHGROUP REAL ESTATE, INC · Nannette Reyes, LLC. MLS #S5142774.
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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