4411 HOLSTEIN STREET, St. Cloud, FL, 34772 | $575,900

Discover the perfect place to call home in the sought-after community of Old Hickory in St. Cloud. This beautifully maintained 5-bedroom, 3. 5-bath home with a 3-car garage offers the ideal balance of space, comfort, and modern living — all within a solar-powered community designed for smart, energy-efficient living. Step inside to a warm and welcoming layout that’s perfect for growing families. The formal dining area sets the stage for family dinners and celebrations, while the half bath adds convenience for guests. The open-concept kitchen will be a favorite gathering spot, featuring modern cabinetry, a walk-in pantry, and a spacious island overlooking the living area — perfect for keeping an eye on little ones or entertaining friends. The primary suite on the first floor provides a peaceful retreat with a luxurious ensuite bath and a large walk-in closet. A large laundry room helps to keep everything organized and efficient. Elegant wood-look ceramic tile floors run through the main living areas, blending style with easy maintenance. Step through the sliding doors into your own backyard oasis — a fully fenced yard with a pavered patio and a pergola covered area, perfect for outdoor dining, playtime, or relaxing after a long day. Upstairs, you’ll find a spacious loft area, ideal for a playroom, movie nights, or a quiet reading nook. Two bedrooms share a Jack-and-Jill bathroom, and two additional bedrooms provide plenty of space for family, guests, or a home office. Enjoy low HOA fees and the benefits of solar energy with a monthly payment of only $80, helping your family save while living sustainably. The community also offers great amenities and a friendly neighborhood atmosphere — everything your family needs to thrive. If you’ve been searching for a home that offers room to grow, energy efficiency, and a welcoming community, your search ends here. Schedule your private showing today and experience the comfort of family living in Old Hickory!

Features

  • Rooms: 15
  • Bedrooms: 5
  • Baths: 3 full / 1 half
  • Laundry: Inside, Laundry Room
  • Style: Traditional
  • Year Built: 2021
  • Garage: 3-car
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 3,266
  • Acreage: 0.17
  • Est. Taxes: $1,910
  • HOA Fee: $60 Monthly
  • Elem. School: Michigan Avenue Elem (K 5)
  • Middle School: Harmony Middle
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator
  • MLS#: S5136385
  • Days on Market: 89 days
  • Website: https://www.raveis.com
    /prop/S5136385/4411holsteinstreet_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/12/2026 4:50:29 AM)
Listing courtesy of LPT Realty   Phone: 877-366-2213

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
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  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
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  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4411 HOLSTEIN STREET, St. Cloud, FL, 34772

$575,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $460,720 $460,720 $460,720
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.132% 5.415%
Monthly Tax Payment $159 $159 $159
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,616 $2,759 $3,673
Total Monthly Payment $2,867 $3,010 $3,924

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.