
4131 TREE SWALLOW TRAIL, ST CLOUD, FL, 34772
Active133 days on marketListed Mar 12, 2026MLS #S5145589
About this home
4131 TREE SWALLOW TRAIL
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home in the Southern Pines community, perfectly situated on a large corner lot with attractive curb appeal and beautiful landscaping that creates a warm first impression from the moment you arrive. The modern exterior design and well-kept grounds set the stage for the bright and welcoming interior inside. As you step through the front door, you’ll immediately appreciate the bright and airy atmosphere along with matching flooring that flows throughout the entire home, creating a clean, cohesive look from room to room. The living room, kitchen, and dining area flow seamlessly together, offering an open layout that is ideal for both everyday living and entertaining. Large windows and double sliding glass doors just off the dining area allow natural light to pour in, making the space feel even more open and inviting. The kitchen serves as the heart of the home, featuring matching stainless steel appliances, a custom tile backsplash, and a spacious walk-in pantry for plenty of storage. A massive center island with bar seating overlooks the living and dining areas, making it perfect for casual meals, hosting guests, or staying connected while preparing meals. Just off the kitchen, the primary bedroom offers a bright and comfortable retreat and includes an attached bathroom for added privacy and convenience. The primary bathroom features a dual-sink vanity and a massive walk-in closet, providing both functionality and ample space. The remaining two bedrooms are located toward the front of the home and are similar in size and layout. Each room offers plenty of natural light and easy access to the guest bathroom, making them perfect for family members, guests, or even a home office setup. Step outside through the double sliding glass doors off the dining room onto the fully covered and screened-in back patio, an ideal place to relax or entertain year-round. The patio overlooks the spacious backyard, offering plenty of room for pets, family gatherings, outdoor activities, or simply enjoying your privacy. Residents of Southern Pines enjoy a variety of community amenities and convenient access to major roads, shopping, dining, and entertainment, making this home an excellent choice for both comfort and location. This home offers the perfect blend of style, functionality, and convenience—a wonderful opportunity to enjoy everything Southern Pines has to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,746
Sqft
0.16 ac
Lot size
2
Garage
2023
Year built
One
Levels
$221
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.
$3,133 /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
$3,133/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
+5%
Days on market
133 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 4% 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 4131 TREE SWALLOW TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4131 TREE SWALLOW TRAIL — 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
4131 TREE SWALLOW TRAIL FAQs
What would the monthly payment be for 4131 TREE SWALLOW TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,133/mo — principal and interest, the actual property-tax bill, the $114/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 4131 TREE SWALLOW TRAIL?+
The association fee works out to $114 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4131 TREE SWALLOW TRAIL?+
The most recent tax bill on record (2025) was $5,067. 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 4131 TREE SWALLOW TRAIL?+
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 $385,000, this home is listed about 9% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4131 TREE SWALLOW TRAIL?+
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.
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5145589.
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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