4148 SOUTHERN VISTA LOOP, ST CLOUD, FL, 34772
Active5 days on marketListed Jul 17, 2026MLS #O6425383
About this home
4148 SOUTHERN VISTA LOOP
Welcome to 4148 Southern Vista Loop, where the privacy of an oversized conservation homesite meets the convenience of modern, move-in-ready living. Built in 2023 by Richmond American, this thoughtfully upgraded Moonstone model is perfectly positioned on one of Southern Pines' larger 0.26-acre homesites, NO REAR NEIGHBORS, offering peaceful conservation views, and generous spacing between neighboring homes. Offering 2,791 square feet, this versatile floor plan features five bedrooms, three full bathrooms, a spacious loft, and a first-floor bedroom with an adjacent full bath—ideal for guests, multigenerational living, or a private home office. Designed with both everyday living and entertaining in mind, the open-concept kitchen serves as the heart of the home with quartz countertops, premium cabinetry, a designer backsplash, stainless steel appliances, an oversized island with seating, abundant storage, and a walk-in pantry. The adjoining living and dining spaces flow seamlessly to the EXTENDED SCREENED LANAI, creating the perfect indoor-outdoor living experience. Throughout the home you'll find Luxury Vinyl Plank flooring in the main living areas, upgraded lighting and hardware, premium window treatments including motorized shades, ceiling fans, and thoughtfully selected finishes that elevate the home's modern design while maintaining warmth and functionality. Unlike purchasing new construction and starting with a blank canvas, many of the most desirable improvements have already been completed for you. Enjoy a screened lanai overlooking the conservation area, vinyl privacy fencing, smart-home enhancements, EV charging capability, garage utility sink with hot and cold water, multiple 240V outlets, hidden TV wiring, premium window treatments, and numerous custom touches that save both time and significant post-closing expense. Wake up to peaceful CONSERVATION VIEWS, enjoy your morning coffee while watching native Florida wildlife, then take advantage of Southern Pines' community pool and playground just minutes from your front door. Conveniently located near Lake Nona Medical City, Orlando International Airport, shopping, dining, top-rated schools, and major highways, this home offers the perfect balance of privacy, modern design, and everyday convenience. Beautifully maintained, thoughtfully upgraded, and truly move-in ready, this is an exceptional opportunity to own one of Southern Pines' most desirable homesites.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,791
Sqft
0.26 ac
Lot size
2
Garage
2023
Year built
One
Levels
$210
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 and the real association fee — not generic estimates.
$4,128 /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
$4,128/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+15.5%
$/sqft vs St Cloud actives
$210 vs $220
Days on market
5 vs 33 typical
Where $210/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
189 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4148 SOUTHERN VISTA LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$503,000
4071 SOUTHERN VISTA LOOP · same community
5 bd · 3 ba · 2,791 sqft · $180/sqft · 224 DOM
Sold · Dec ’25$385,000
236 PINK IBIS BEND · same community
3 bd · 2 ba · 1,746 sqft · $221/sqft · 214 DOM
Sold · Jun ’26$490,000
4226 SOUTHERN VISTA LOOP
6 bd · 3 ba · 2,667 sqft · $184/sqft · 158 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4148 SOUTHERN VISTA LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4148 SOUTHERN VISTA LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4148 SOUTHERN VISTA LOOP FAQs
What would the monthly payment be for 4148 SOUTHERN VISTA LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,128/mo — principal and interest, the actual property-tax bill, the $110/mo association fee 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.
How much are the HOA fees at 4148 SOUTHERN VISTA LOOP?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4148 SOUTHERN VISTA LOOP?+
The most recent tax bill on record (2025) was $5,778. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4148 SOUTHERN VISTA LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $585,000, this home is listed about 38% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4148 SOUTHERN VISTA LOOP?+
Hickory Tree Elementary School (elementary), Harmony High School (high), St. Cloud Middle School (middle) — 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
$585,000 runs 58% above the ST CLOUD 34772 median — but at 2,791 sqft it's also 41% larger than the typical St Cloud listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 5 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Emily Armstrong. MLS #O6425383.
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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