4891 SHADY PINES DRIVE, ST CLOUD, FL, 34772
Active67 days on marketListed May 17, 2026MLS #O6404869
About this home
4891 SHADY PINES DRIVE
Stunning two-story home with serene pond views in Havenfield at CrossPrairie, St. Cloud, FL, offering 2,882 A/C sq. ft. plus under-stair storage. This highly upgraded home features 5 bedrooms, including two suites, 3.5 bathrooms, and a covered lanai. The first-floor primary suite offers dual walk-in closets, while the upstairs suite includes its own walk-in closet — totaling 3 spacious walk-in closets throughout the home. The bright open-concept layout seamlessly connects the gourmet kitchen, dining, and living areas, highlighted by oversized tile flooring, quartz countertops, oversized waterfall island, built-in oven and microwave tower, cooktop with exterior-vented hood, ceiling-height cabinetry with glass stacked uppers, and premium soft-close cabinetry in the kitchen and full bathrooms. Additional highlights include a laundry room with abundant cabinetry and utility sink, plus a covered lanai pre-plumbed and pre-wired for a future summer kitchen on a premium lot with no rear neighbors, offering peaceful pond views and added privacy. Conveniently located with easy access to the Florida Turnpike, approximately 25 minutes from Orlando International Airport (MCO) and about 30 minutes from Lake Nona, Medical City, Walt Disney World, Downtown Orlando, shopping, dining, and major Central Florida attractions. Note: Photos have been enhanced using artificial intelligence to improve color, sharpness, contrast, and overall presentation. No structural elements, dimensions, or permanent features have been altered, and no virtual staging has been performed. Security Notice: For security purposes, audio and video surveillance may be in use during showings.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
2,882
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$241
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.
$4,984 /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
$4,984/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
+36.4%
Days on market
67 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 88% 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4891 SHADY PINES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4891 SHADY PINES DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
4891 SHADY PINES DRIVE FAQs
What would the monthly payment be for 4891 SHADY PINES DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,984/mo — principal and interest, the actual property-tax bill, 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 4891 SHADY PINES DRIVE?+
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 4891 SHADY PINES DRIVE?+
The most recent tax bill on record (2025) was $8,932. 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 4891 SHADY PINES DRIVE?+
The listing reports pets: Breed Restrictions. 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 $694,000, this home is listed about 63% 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 4891 SHADY PINES DRIVE?+
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
$694,000 runs 88% above the ST CLOUD 34772 median — but at 2,882 sqft it's also 46% larger than the typical St Cloud listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
67 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Listing courtesy of TALENT REALTY SOLUTIONS · Alessandra De Barros Mendes Da Costa. MLS #O6404869.
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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