4125 HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active74 days on marketListed May 7, 2026MLS #S5149356
About this home
4125 HICKORY TREE ROAD
LOCATION LOCATION! This 5 acre parcel is positioned across from Deer Run Road on the fast-growing Hickory Tree Road in St. Cloud. With water and sewer available nearby, an additional 23+- acres also available, and with LDR as the future land use, this is a fantastic opportunity for development. Brochure available upon request.
Facts & features
The home at a glance
5 ac
Lot size
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.
$6,592 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,592/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Where it sits
Inside St Cloud
Drive times from this address
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 192% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4125 HICKORY TREE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$100,000
841 ROBINSON COURT · same community
2 bd · 1 ba · 784 sqft · $128/sqft · 8 DOM
Sold · Jan ’26$75,000
503 MCKAY STREET · same community
3 bd · 2 ba · 1,344 sqft · $56/sqft · 0 DOM
Sold · Dec ’25$325,000
285 GRAPE AVENUE · same community
3 bd · 2 ba · 1,522 sqft · $214/sqft · 69 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 4125 HICKORY TREE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4125 HICKORY TREE ROAD — 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
4125 HICKORY TREE ROAD FAQs
What would the monthly payment be for 4125 HICKORY TREE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,592/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 4125 HICKORY TREE ROAD?+
The most recent tax bill on record (2025) was $2,391. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $1,080,000, this home is listed about 154% 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 4125 HICKORY TREE ROAD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of IRON VALLEY REAL ESTATE OSCEOLA · Tiffany Chapman. MLS #S5149356.
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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