4664 HICKORY TREE LN, ST CLOUD, FL, 34772
Active13 days on marketListed Jul 6, 2026MLS #S5153120
About this home
4664 HICKORY TREE LN
LAKE HOUSE on 4.22 private acres along the shores of Alligator Lake — with direct access to a coveted chain of lakes — this stunning 3,350 sq ft custom-built home delivers the lakefront lifestyle you've been waiting for. Thoughtfully designed across 4 bedrooms and 4.5 bathrooms, every detail speaks to quality craftsmanship, from the striking stone exterior and paver driveway to the soaring high ceilings, open floor plan, and elegant electric fireplace with custom wood surround. The chef's kitchen impresses with marble countertops, rich wood cabinetry, a walk-in pantry, and stainless steel appliances — flowing seamlessly into the walk-in dining room, ideal for hosting. The master suite is a true retreat, offering a private glass balcony with sweeping lake views, a spa-like garden tub, and a generous walk-in closet. Outside, the heated pool and spa sit within a beautifully fenced paver patio and deck — perfect for entertaining or unwinding as the sun sets over the water. Built to last with a durable metal roof, wood tile and carpet throughout, the property also features a three-car garage, a 40x60 block shop with upstairs office space, and a 40x60 pole barn with concrete — offering unmatched versatility for work, hobbies, or storage. This is rare lakefront living with room to breathe, built to impress. Inside laundry room and pool bath close by.
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
3,350
Sqft
4.22 ac
Lot size
3
Garage
2016
Year built
Two
Levels
$507
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.
$10,965 /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
$10,965/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
+69.3%
$/sqft vs S L & I C
$507 vs $321
Days on market
13 vs 33 typical
Where $507/sqft sits among the 38 homes for sale in S L & I C
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)
17 of 38
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 359% 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 4664 HICKORY TREE LN
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$800,000
4121 ALBRITTON ROAD · same community
4 bd · 3 ba · 3,354 sqft · $239/sqft · 46 DOM
Sold · Jun ’26$857,500
3740 KISSIMMEE PARK ROAD · same community
4 bd · 3.5 ba · 3,344 sqft · $256/sqft · 142 DOM
Sold · Oct ’25$899,000
4551 HUNTING LODGE DRIVE · same community
4 bd · 4 ba · 3,093 sqft · $291/sqft · 78 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4664 HICKORY TREE LN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4664 HICKORY TREE LN — 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
4664 HICKORY TREE LN FAQs
What would the monthly payment be for 4664 HICKORY TREE LN?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,965/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 4664 HICKORY TREE LN?+
The most recent tax bill on record (2025) was $12,003. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $1,699,000, this home is listed about 300% 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 4664 HICKORY TREE LN?+
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.
Keep looking
Similar homes nearby
Listing courtesy of TIE TEAM REALTY LLC · Stephanie Peterson, Pa. MLS #S5153120.
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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