4540 PINE TREE DR, St. Cloud, FL, 34772 | $599,500

Come see this special 3 bedroom/2 bath home with over 2100 sq ft today. If you are looking for a private lot with NO HOA this is the home for you. The possibilities are endless on this beautiful acreage in St. Cloud. Over 2 acres fully fenced with an electric gate just waiting for the next family to create memories on this stunning property. Relax on your front porch with your morning coffee or evening tea or take a seat around the fire pit when we are blessed with cool evenings. If you are horse a lover there is a barn waiting for your beloved 4-legged friends. Looking for a place to park your work vehicle, RV, or boat. . . no worries there is space for everything here. Wishing you had a pool to cool off in every hot day of the summer, well there is room to add one here without having to worry about where to put it or if it will fit. Once inside this beautiful home you will be so impressed with the spacious open floor plan. Room for everyone and everything in this living area. It is an entertainers dream with space to set up food and drink stations and plenty of room for seated dining. The kitchen can easily accommodate more than one cook to make preparing meals a lot faster and more fun! There is a bonus space off the kitchen that can be used as an office or a pantry. The primary bedroom is generous in size with room for a sitting area where you can wind down after a long day. The newly remodeled primary bath gives a peaceful spa feel. Metal roof and brand-new AC are an added bonus.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Year Built: 1992
  • Garage: 2-car Garage Door Opener, Garage Faces Side
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 2,124
  • Acreage: 2.22
  • Est. Taxes: $2,429
  • Lot Desc: In County, Landscaped, Oversized Lot
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: S5137084
  • Days on Market: 24 days
  • Website: https://www.raveis.com
    /prop/S5137084/4540pinetreedr_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 1/14/2026 8:36:16 PM)
Listing courtesy of ORLANDO PREMIUM PROPERTIES LLC   Phone: 407-361-4064

William Raveis Family of Services

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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

4540 PINE TREE DR, St. Cloud, FL, 34772

$599,500

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 $479,600 $479,600 $479,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.625% 5.990% 5.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.322% 6.156% 5.415%
Monthly Tax Payment $202 $202 $202
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,761 $2,872 $3,824
Total Monthly Payment $3,055 $3,166 $4,118

* 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.