6404 SPRUCEPINE LANE, ST CLOUD, FL, 34771
Active157 days on marketListed Feb 17, 2026MLS #S5143824
About this home
6404 SPRUCEPINE LANE
**Low HOA and NO CDD** Welcome to 6404 Sprucepine Ln, St. Cloud, FL 34771, a beautifully maintained home located in one of St. Cloud’s growing and desirable areas. This inviting property offers a comfortable and functional layout with bright living spaces, perfect for both everyday living and entertaining. The home features spacious bedrooms, an open-concept living and dining area, and a well-appointed kitchen with ample cabinet and counter space. Enjoy outdoor living in the private backyard, ideal for relaxing or hosting gatherings. A garage and additional storage add everyday convenience. Ideally situated with easy access to major roadways, this home is just a short drive to Lake Nona, Kissimmee, and Orlando, placing shopping, dining, medical facilities, schools, and entertainment within reach.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,445
Sqft
0.11 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$155
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.
$3,104 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,104/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−12.2%
$/sqft vs PINE GLEN
$155 vs $200
Days on market
157 vs 33 typical
Where $155/sqft sits among the 8 homes for sale in PINE GLEN
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
8 of 8
PINE GLEN have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 6404 SPRUCEPINE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$426,000
6298 LAKEPINE STREET · same community
3 bd · 2.5 ba · 2,444 sqft · $174/sqft · 77 DOM
Sold · Apr ’26$460,000
6286 LAKEPINE STREET · same community
3 bd · 2.5 ba · 2,444 sqft · $188/sqft · 18 DOM
Sold · Mar ’26$540,000
20828 WOODVALE LANE · same community
4 bd · 2 ba · 2,540 sqft · $213/sqft · 56 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 6404 SPRUCEPINE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6404 SPRUCEPINE LANE — 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
6404 SPRUCEPINE LANE FAQs
What would the monthly payment be for 6404 SPRUCEPINE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,104/mo — principal and interest, the actual property-tax bill, the $87/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 6404 SPRUCEPINE LANE?+
The association fee works out to $87 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6404 SPRUCEPINE LANE?+
The most recent tax bill on record (2025) was $5,422. 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 6404 SPRUCEPINE LANE?+
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 $379,990, this home is listed about 11% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6404 SPRUCEPINE LANE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$379,990 is 11% below the ST CLOUD 34771 median of $425,000, and at $155/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
157 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $399,990, now $379,990 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
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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