$425,000
4160 Southern Vista Loop
St Cloud, FL 34772
Listing updated: May 11, 2026 at 8:10 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Incredible Value & Better Than New! Built in 2024, this move-in-ready 4-bedroom, 3 full-bath home offers the feel of new construction without the wait, added upgrade expenses, or builder fees. Located in the desirable Estates at Southern Pines, 4160 Southern Vista Loop combines modern finishes, a flexible layout, and a peaceful conservation setting that’s hard to find at this price point. From the moment you walk in, you’ll notice the bright open layout, soaring ceilings, and stylish finishes throughout. The kitchen was designed to be the center of the home, featuring stainless steel appliances, attractive countertops, a large island with breakfast bar seating, and a spacious walk-in pantry. The living and dining spaces flow seamlessly to the screened patio and fully fenced backyard overlooking conservation with NO rear neighbors, creating a peaceful and private setting buyers are searching for right now. A first-floor bedroom and full bath provide ideal flexibility for guests, multi-generational living, or a private office space. Upstairs, the oversized loft offers endless possibilities for a second living area, media room, or play space. The spacious primary suite features dual vanities, an oversized shower, and generous closet space, while the upstairs laundry room adds everyday convenience. This home is ideally located just steps from the neighborhood playground and open field, with easy access to the community pool and toddler play area. Plus, enjoy a low HOA of only $320 per quarter and NO CDD fees. Homes with this layout, condition, and premium lot setting are becoming harder to find in St. Cloud, especially at this value. If you’ve been waiting for the right one, this is a home you’ll want to see immediately before someone else does. Schedule your private showing today.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history95 days on market
- Status: ActiveFeb 5, 2026
- Listed$440,000Feb 5, 2026
- Price reduced$425,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 95
- Subdivision
- Southern Pines Ph 5
- County
- Osceola
- Year built
- 2024
- Living area
- 2,175 sq ft
- Price/sq ft
- $195
- Building area
- 2,800 sq ft (Public Records)
- Lot size
- 6,742 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0252G)
- Garage
- 2 spaces
- Annual taxes
- $5,747 (2025)
- Parcel #
- 13-26-30-0663-0001-0450
- Zoning
- PUD
- MLS #
- O6379217
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 3
- Flooring
- Carpet, Ceramic Tile
- Appliances
- Dishwasher, Disposal, Microwave, Range
- Interior features
- Ceiling Fans(s), High Ceilings, Open Floorplan, PrimaryBedroom Upstairs, Thermostat, Walk-In Closet(s)
- Laundry
- Inside, Laundry Room, Upper Level
- Stories / Levels
- Two
- Direction faces
- Northeast
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway, Garage Door Opener
HOA & Financial
- HOA fee
- $320 / Quarterly
- Monthly HOA
- $107/mo
- Total monthly fees
- $107/mo
- Total annual fees
- $1,280
- HOA name
- Amanda Lee
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
- Additional lease restrictions
- Buyer and/or Buyer's agent should independently verify all leasing information/restrictions/requirements directly with the HOA.
Exterior & Construction
- Exterior features
- Sidewalk, Sliding Doors
- Construction materials
- Block, Brick, Stucco, Frame
- Roof
- Shingle
- Foundation
- Slab
- Waterfront
- Yes
- Water view
- Yes
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- BB/HS Internet Available, Cable Connected, Electricity Connected, Public
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | Second | 15.75x15 |
| Bedroom 2 | Second | 10x10 |
| Bedroom 3 | Second | 11x10.5 |
| Bedroom 4 | First | 12.5x10 |
| Kitchen | First | 15.5x12 |
| Living Room | First | 15.5x13 |
| Dining Room | First | 13x11.5 |
Listing Details
- Listing date
- 2026-02-05
- On market date
- 2026-02-05
- Original list price
- $440,000
- Occupant type
- Owner
- MLS area
- 34772 - St Cloud (Narcoossee Road)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-02-05
- Tax legal description
- SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 45
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Head east on Nolte Rd Head toward Southern Vis Lp. Turn right onto Southern Vis Lp. Turn left to stay on Southern Vis Lp. Property will be on the left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 11, 2026 at 8:10 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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