4131 TREE SWALLOW TRAIL, St. Cloud, FL, 34772 | $410,000

Welcome to this beautifully maintained 3-bedroom, 2-bathroom home in the Southern Pines community, perfectly situated on a large corner lot with attractive curb appeal and beautiful landscaping that creates a warm first impression from the moment you arrive. The modern exterior design and well-kept grounds set the stage for the bright and welcoming interior inside.

As you step through the front door, you’ll immediately appreciate the bright and airy atmosphere along with matching flooring that flows throughout the entire home, creating a clean, cohesive look from room to room. The living room, kitchen, and dining area flow seamlessly together, offering an open layout that is ideal for both everyday living and entertaining. Large windows and double sliding glass doors just off the dining area allow natural light to pour in, making the space feel even more open and inviting.

The kitchen serves as the heart of the home, featuring matching stainless steel appliances, a custom tile backsplash, and a spacious walk-in pantry for plenty of storage. A massive center island with bar seating overlooks the living and dining areas, making it perfect for casual meals, hosting guests, or staying connected while preparing meals.

Just off the kitchen, the primary bedroom offers a bright and comfortable retreat and includes an attached bathroom for added privacy and convenience. The primary bathroom features a dual-sink vanity and a massive walk-in closet, providing both functionality and ample space.

The remaining two bedrooms are located toward the front of the home and are similar in size and layout. Each room offers plenty of natural light and easy access to the guest bathroom, making them perfect for family members, guests, or even a home office setup.

Step outside through the double sliding glass doors off the dining room onto the fully covered and screened-in back patio, an ideal place to relax or entertain year-round. The patio overlooks the spacious backyard, offering plenty of room for pets, family gatherings, outdoor activities, or simply enjoying your privacy.

Residents of Southern Pines enjoy a variety of community amenities and convenient access to major roads, shopping, dining, and entertainment, making this home an excellent choice for both comfort and location.

This home offers the perfect blend of style, functionality, and convenience—a wonderful opportunity to enjoy everything Southern Pines has to offer.

Features

  • Amenities: Clubhouse, Park, Playground, Pool
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside
  • Year Built: 2023
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,746
  • Acreage: 0.16
  • Est. Taxes: $5,067
  • HOA Fee: $343 Quarterly
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: S5145589
  • Days on Market: 7 days
  • Website: https://www.raveis.com
    /prop/S5145589/4131treeswallowtrail_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 5/21/2026 4:47:08 PM)
Listing courtesy of EXP REALTY LLC   Phone: 407-846-0940

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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

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4131 TREE SWALLOW TRAIL, St. Cloud, FL, 34772

$410,000

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 $328,000 $328,000 $328,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.887% 6.078%
Monthly Tax Payment $422 $422 $422
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,020 $2,100 $2,746
Total Monthly Payment $2,517 $2,597 $3,243

* 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.