4131 Tree Swallow Trail, FL
Stellar MLS

$395,000

4131 Tree Swallow Trail

St Cloud, FL 34772

Listing updated: June 8, 2026 at 8:29 AM ET

Active
3
Beds
2
Baths
1,746
Sq Ft
0.16
Acres
2023
Built
$226/sqft360° tour
Single Family Residence

Property type

2023

Year built

6,970 sqft

Lot size

$226

Price / sq ft

$114/mo

HOA dues

27

Days on market

2

Garage spaces

X

Flood zone

About this home

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.

Estimated monthly payment

Principal & interest$1,997
Property taxes$422
Home insurance (est.)$181
HOA dues$114

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 history27 days on market

  1. Status: Active
    May 19, 2026
  2. Listed$410,000
    Mar 12, 2026
  3. Price reduced$395,000

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
27
Cumulative DOM
148
Subdivision
Southern Pines Ph 5
County
Osceola
Year built
2023
Living area
1,746 sq ft
Price/sq ft
$226
Building area
2,354 sq ft (Public Records)
Lot size
6,970 sq ft
Lot category
0 to less than 1/4
Flood zone
X
Garage
2 spaces
Annual taxes
$5,067 (2025)
Parcel #
13-26-30-0663-0001-0720
Zoning
RESI
MLS #
S5145589

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Tile
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
Interior features
Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo
Laundry
Inside
Stories / Levels
One
Direction faces
Southeast

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$343 / Quarterly
Monthly HOA
$114/mo
Total monthly fees
$114/mo
Total annual fees
$1,372
HOA name
Sovereign & Jacobs Property Management
CDD
No
Homestead exemption
Yes
Min lease term
8-12 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
ANY AND ALL INFO TO BE VERIFIED BY BUYER OR BUYERS AGENT WITH HOA.
Approval process
ANY AND ALL INFO TO BE VERIFIED BY BUYER OR BUYERS AGENT WITH HOA.

Exterior & Construction

Exterior features
Lighting, Sidewalk
Construction materials
Concrete, Stucco
Roof
Shingle
Foundation
Slab
Road surface
Asphalt, Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Public

Community

Pets allowed
Yes

Room Details

RoomLevelDimensions
Living RoomFirst
Dining RoomFirst
KitchenFirst
Primary BedroomFirst
Bedroom 2First
Bedroom 3First

Listing Details

Listing date
2026-03-12
On market date
2026-03-12
Original list price
$410,000
Occupant type
Owner
MLS area
34772 - St Cloud (Narcoossee Road)
Listing AOR
Osceola
Status changed
2026-05-19
Tax legal description
SOUTHERN PINES PH 5 PB 31 PGS 133-139 LOT 72

Flood risk

Minimal riskFEMA Zone X

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

Turn right onto Southern Vista Loop, then take the first left onto Tree Swallow Trl. Continue down Tree Swallow Trl and the home will be on the right at the corner of Tree Swallow Trl and Southern Vista Loop.

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MLS GRID

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 June 8, 2026 at 8:29 AM 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.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA