486 PINE TREE BRIDGE TRAIL, ST CLOUD, FL, 34772
Active0 days on marketListed Aug 14, 2026MLS #S5155612
About this home
486 PINE TREE BRIDGE TRAIL
** Virtually Staged ** Nearly New with Premium Pond-View Residence in Sought-After St. Cloud Community — No CDD Fees Experience the ideal balance of contemporary luxury and peaceful living in this exceptional four-year-old home. Virtually new yet offered at a significant advantage over current new-construction pricing, this residence is situated in one of St. Cloud’s most desirable neighborhoods and features striking premium pond views that foster a sense of calm and privacy. An inviting open-concept floor plan seamlessly connects the gathering room, dining area, and gourmet kitchen, creating an expansive atmosphere well suited to both entertaining and everyday living. The kitchen is appointed with a substantial center island, stainless-steel appliances, elegant granite countertops, and generous workspace for culinary pursuits. Recent updates ensure move-in readiness, including brand-new carpeting in all bedrooms and fresh interior paint throughout. Durable tile flooring extends through the foyer, great room, kitchen, and wet areas, combining practicality with timeless appeal. The thoughtfully designed layout provides four spacious bedrooms and two full bathrooms. The private primary suite, positioned at the rear of the home, overlooks the tranquil pond and includes an en-suite bath with dual-sink vanity, walk-in closet, and luxurious shower. Three additional bedrooms near the foyer offer flexibility for family, guests, or a home office. Outdoor living is enhanced by a covered lanai, ideal for enjoying morning coffee or evening gatherings while taking in the picturesque pond vistas. Structural upgrades, including the lanai, complement the refined finishes of the Canvas Signature Collection – Overture, characterized by its modern aesthetic of crisp whites and deep grays. This rare opportunity to acquire a nearly new home in a prime St. Cloud location places you near parks, lakes, and the many amenities of Central Florida—without the burden of CDD fees. Contact us today to schedule your private tour—your dream home with pond-view tranquility awaits!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,845
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$201
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.
$2,607 /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
$2,607/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
−7.3%
Days on market
0 vs 46 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
$412K → $392K
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 3% below 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
Jhony Hung Zheng
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 486 PINE TREE BRIDGE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 486 PINE TREE BRIDGE TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jhony's phone and CRM.
Straight answers
486 PINE TREE BRIDGE TRAIL FAQs
What would the monthly payment be for 486 PINE TREE BRIDGE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,607/mo — principal and interest, the actual property-tax bill, the $105/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 486 PINE TREE BRIDGE TRAIL?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 486 PINE TREE BRIDGE TRAIL?+
The most recent tax bill on record (2024) was $4. 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 486 PINE TREE BRIDGE TRAIL?+
The listing reports pets: Cats OK, Dogs OK. 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 $369,980, this home is listed about 14% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 486 PINE TREE BRIDGE 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.
The brief
Three things that matter here
01Under the ST CLOUD 34772 market on paper
$369,980 is 3% below the ST CLOUD 34772 median of $379,999, and at $201/sqft it sits under the St Cloud average of $237.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a St Cloud market that averages 46 — if it fits, move quickly.
Listing courtesy of ROAD HOUSE REALTY INC. · Licinio Brizzio. MLS #S5155612.
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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