6488 NEEDLE WAY, ST CLOUD, FL, 34771
Active84 days on marketListed May 1, 2026MLS #S5149014
About this home
6488 NEEDLE WAY
1 BED/ 1BATH… RENT Includes ALL UTILITIES (electricity, water, sewer, security, and internet) *** Welcome to Pine Glen, a new community in St. Cloud, FL near Harmony, approx. 45 min. the Melbourne and approx. 25 min to Lake Nona (Medical City). There’s a separate and private entrance to the unit featuring all appliances including washer and dryer, quartz countertops, cabinets, blinds, wall tile in bathroom, floor tile, ceiling fans and carpet in the bedroom. Family friendly amenities within the community! Necessary: Credit, Background, and income verification required. Security deposit equal to one month's rent. 24 hours in advance. No smoking, No pets & renter's insurance required.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
396
Sqft
0.2 ac
Lot size
2023
Year built
One
Levels
$4
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$170 /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
$170/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs PINE GLEN
$4 vs $197
Days on market
84 vs 33 typical
Where $4/sqft sits among the 9 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)
9 of 9
PINE GLEN have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% 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 6488 NEEDLE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$380,000
3809 NW 84th Ave, Coral Springs FL 33065 · same community
2 bd · 2 ba · 1,147 sqft · $331/sqft · 49 DOM
Sold · Apr ’26$325,500
209 W PINELOCH AVENUE · same community
3 bd · 2 ba · 1,312 sqft · $248/sqft · 0 DOM
Sold · Oct ’25$365,000
8291 NW 39 Street, Coral Springs FL 33065 · same community
3 bd · 2 ba · 1,356 sqft · $269/sqft · 15 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 6488 NEEDLE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6488 NEEDLE WAY — 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
6488 NEEDLE WAY FAQs
What would the monthly payment be for 6488 NEEDLE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $170/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 6488 NEEDLE WAY?+
The listing reports pets: No. 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 $1,400, this home is listed about 100% 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 6488 NEEDLE WAY?+
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
$1,400 is 100% below the ST CLOUD 34771 median of $425,000, and at $4/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
84 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 $1,450, now $1,400 — a $50 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RADIUS REALTY GROUP LLC · Geoffrey Lopez, II. MLS #S5149014.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 6488 NEEDLE WAY but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →