4458 E FIREFLY LANE, ST CLOUD, FL, 34772
Active1 days on marketListed Jul 18, 2026MLS #G5115272
About this home
4458 E FIREFLY LANE
Virtually Staged. Under Construction. Beautiful Ellington floor plan by Dream Finders Homes in Waterlin! This spacious 5-bedroom, 3.5-bath home features a first-floor primary suite, dedicated office, large game room, and open-concept living spaces. Enjoy peaceful pond views from the backyard and plenty of room for work, play, and entertaining. A perfect blend of comfort, flexibility, and scenic waterfront living. The sample photos included are of the model home and are meant to showcase the craftsmanship and design quality.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,574
Sqft
0.17 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$181
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.
$3,965 /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
$4,558/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+1.3%
$/sqft vs St Cloud actives
$181 vs $221
Days on market
1 vs 33 typical
Where $181/sqft sits among the 400 St Cloud actives
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
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)
189 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 75% 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 4458 E FIREFLY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,010,000
3550 KAISER AVENUE
5 bd · 3.5 ba · 3,800 sqft · $266/sqft · 202 DOM
Sold · May ’26$675,000
3575 KAISER AVENUE
5 bd · 4 ba · 3,144 sqft · $215/sqft · 55 DOM
Sold · Mar ’26$525,000
1132 HILLTOP PLACE
5 bd · 3.5 ba · 3,021 sqft · $174/sqft · 22 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4458 E FIREFLY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4458 E FIREFLY LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
4458 E FIREFLY LANE FAQs
What would the monthly payment be for 4458 E FIREFLY LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,965/mo — principal and interest, estimated property taxes, the $75/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 4458 E FIREFLY LANE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4458 E FIREFLY LANE?+
The most recent tax bill on record (2025) was $0. 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 4458 E FIREFLY LANE?+
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 $646,349, this home is listed about 52% 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 4458 E FIREFLY LANE?+
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
01Positioned at the premium end
$646,349 runs 75% above the ST CLOUD 34772 median — but at 3,574 sqft it's also nearly twice the size of the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Nancy Pruitt, PA. MLS #G5115272.
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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