4170 HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active80 days on marketListed May 3, 2026MLS #S5149113
About this home
4170 HICKORY TREE ROAD
Welcome to your private slice of country living with modern convenience. Situated on 2.3(+/-) beautifully maintained acres this 3 bedroom 2 bathroom home was custom built by the locally well known reputable builder Danny Quinn and showcases quality craftmanship throughout. Inside you'll find a completely remodeled kitchen featuring tasteful shaker style cabinetry, elegant quartz countertops and a clean modern design that flows seamlessly into the living space. There is a dinette area for a breakfast table and separate dining room with stunning chandelier. Durable wood look tile runs throughout the home offering both style and easy maintenance. Home has fresh interior and exterior paint, in wall pest control system and a 2 year old roof adding peace of mind for years to come. Step outside and enjoy everything this property has to offer. Equestrian enthusiasts will love the 2 stall horse barn complete with stall fans, concrete floors, electricity, water and a separate feed/tack room with an upstairs hay loft. The property is fully fenced with the pasture thoughtfully separated from the home making it ideal for animals while maintaining a private residential setting. A new well pump house adds additional functionality and value. Relax on the screened in back patio and take in the peaceful surroundings perfect for quiet mornings with coffee while watching deer and wild turkey roam around the back pasture. All of this is conveniently located near shopping, schools, restaurants, area lakes, the Florida Turnpike and Lake Nona offerinf the perfect balance of country living and city access.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,636
Sqft
2.29 ac
Lot size
2
Garage
2003
Year built
One
Levels
$366
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 — not generic estimates.
$4,135 /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
$4,135/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.
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
+47.5%
Days on market
80 vs 33 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
$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 62% above 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4170 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 4170 HICKORY TREE ROAD — 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
4170 HICKORY TREE ROAD FAQs
What would the monthly payment be for 4170 HICKORY TREE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,135/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 4170 HICKORY TREE ROAD?+
The most recent tax bill on record (2025) was $6,220. 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 4170 HICKORY TREE ROAD?+
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 $599,000, this home is listed about 41% 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 4170 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.
The brief
Three things that matter here
01Positioned at the premium end
$599,000 runs 62% above the ST CLOUD 34772 median.
02Time on market is leverage
80 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $615,000, now $599,000 — a $16K cut. The full history is in the market section below.
Listing courtesy of HERITAGE REAL ESTATE AGENCY LLC · Christina Jordan Davis. MLS #S5149113.
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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