4657 HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active0 days on marketListed Aug 7, 2026MLS #O6431733
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 4:00 PM
About this home
4657 HICKORY TREE ROAD
A ONE OF A KIND CUSTOM ESTATE, BUILT LIKE NO OTHER. Sitting on 2.72 PRIVATE ACRES w/ NO HOA, this custom Colonial was built by a now retired developer for HIS OWN FAMILY, exceeding many modern building codes w/ a level of craftsmanship you simply cannot find anymore. MASSIVE Doric columns & timeless Chicago Brick create a BREATHTAKING entrance. Step inside to a 2 STORY FOYER w/ a radius staircase, SOLID walnut, oak, & mahogany trim, CUSTOM crown molding throughout, pocket sliding doors, 2 fireplaces, granite & marble counters, & IMMENSE closets. The main home offers 4 beds/3.5 baths, w/ all bdrms & laundry (w/ sink) upstairs, plus a private office/den w/ its own fireplace. Outside, enjoy a covered lanai w/ summer kitchen overlooking a screened pool & spa. BRAND NEW SINCE LAST ON MARKET... a stunning IN LAW SUITE w/ its own private entrance, private pool access, walk in closet, full bath, & kitchenette, bringing this home to 5 BEDROOMS TOTAL. Peace of mind included... ROOF & AC BOTH UPDATED/NEW IN 2022, keeping major systems young. Fully TILED garage. Washer, dryer, fixed cameras, in law suite fridge & microwave, ALL STAY w/ the home, plus a private well already equipped w/ water filtration. Homes of this caliber and character do not come around twice. Schedule your showing today.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,868
Sqft
2.73 ac
Lot size
3
Garage
1993
Year built
Two
Levels
$271
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.
$7,118 /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
$7,118/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.
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
$412K → $395K
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 176% 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
Natasha Boges
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4657 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 4657 HICKORY TREE ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Natasha's phone and CRM.
Straight answers
4657 HICKORY TREE ROAD FAQs
What would the monthly payment be for 4657 HICKORY TREE ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,118/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 4657 HICKORY TREE ROAD?+
The most recent tax bill on record (2025) was $10,780. 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 $1,050,000, this home is listed about 144% above the St Cloud median of $429,675. The market section on this page shows how the area is trending.
Which schools are assigned to 4657 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
$1,050,000 runs 176% above the ST CLOUD 34772 median — but at 3,868 sqft it's also nearly twice the size of the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Listed today in a St Cloud market that averages 42 — if it fits, move quickly.
Listing courtesy of LA ROSA REALTY LLC · Nicole Perpillant. MLS #O6431733.
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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