4664 HICKORY TREE LN, St. Cloud, FL, 34772 | $1,699,000

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.

Features

  • Rooms: 9
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Laundry: Inside, Laundry Room
  • Year Built: 2016
  • Garage: 3-car Boat, Garage Door Opener, Guest, Oversized, Parking Pad
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,350
  • Acreage: 4.22
  • Est. Taxes: $12,003
  • Lot Desc: Cleared, In County, Oversized Lot
  • View: Water
  • Pool: Child Safety Fence, Gunite, Heated, In Ground, Lighting, Salt Water
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Microwave, Refrigerator, Water Softener
  • MLS#: S5153120
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /eprop/S5153120/4664hickorytreeln_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 7/7/2026 2:05:25 PM)
Listing courtesy of TIE TEAM REALTY LLC   Phone: 321-805-4392

William Raveis Family of Services

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888.699.8876

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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
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  • Has access to hundreds of loan programs, all at competitive rates
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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
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

4664 HICKORY TREE LN, St. Cloud, FL, 34772

$1,699,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,359,200 $1,359,200 $1,359,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.750% 6.000% 6.000%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.263% 6.121% 6.203%
Monthly Tax Payment $1,000 $1,000 $1,000
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $7,932 $8,149 $11,470
Total Monthly Payment $9,057 $9,274 $12,595

* 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.