4002 SAGEFIELD DR., ST CLOUD, FL, 34773
Active277 days on marketListed Oct 15, 2025MLS #O6352888
About this home
4002 SAGEFIELD DR.
PRICE DROP 49K with a payment as low as $2,284.00!!!! (P&I) !!!! Quick Move-In Opportunity with Rare Financing & NO CDD! This brand-new, quick move-in home delivers exceptional value, plus NO CDD fees—a rare opportunity that offers real savings and long-term peace of mind in today’s market. Now let the home tell its story. Welcome to the 2335 floor plan by Adams Homes, a spacious 4-bedroom, 2.5-bath two-story home thoughtfully designed for comfort, flexibility, and modern living. From the moment you step into the grand two-story foyer, you’ll feel the openness that makes this home ideal for both everyday life and entertaining. The open-concept main living area flows seamlessly into a chef-inspired kitchen featuring a large center island, walk-in pantry, granite countertops, and Whirlpool stainless steel appliances—the perfect space for hosting gatherings or enjoying quiet family moments. Upstairs, the home truly shines with an oversized loft, offering endless possibilities—media room, game space, home office, or second living area. The owner’s suite is a private retreat with dual vanities, a soaking tub, separate shower, and a spacious walk-in closet. Three additional bedrooms provide room to grow, welcome guests, or create dedicated work and hobby spaces. A convenient upstairs laundry room adds ease to everyday routines. Bathrooms are finished with elegant granite countertops, and peace of mind comes standard with a 1-year builder warranty and a 10-year structural warranty. If you’ve been waiting for a home that combines immediate availability, flexible space, standout value, and long-term comfort—this is the opportunity that finally brings it all together.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,335
Sqft
0.11 ac
Lot size
2
Garage
2025
Year built
Two
Levels
$171
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.
$2,824 /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
$2,824/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
−4.4%
$/sqft vs HARMONY CENTRAL
$171 vs $209
Days on market
277 vs 33 typical
Where $171/sqft sits among the 9 homes for sale in HARMONY CENTRAL
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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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)
0 of 9
HARMONY CENTRAL have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the ST CLOUD 34773 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4002 SAGEFIELD DR.
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$442,900
7581 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $184/sqft · 48 DOM
Sold · Sep ’25$440,900
7491 BENT TREE LOOP · same community
4 bd · 2.5 ba · 2,405 sqft · $183/sqft · 0 DOM
Sold · Jun ’26$399,900
7690 BENT TREE LOOP · same community
4 bd · 2 ba · 1,820 sqft · $220/sqft · 0 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4002 SAGEFIELD DR. — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4002 SAGEFIELD DR. — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4002 SAGEFIELD DR. FAQs
What would the monthly payment be for 4002 SAGEFIELD DR.?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,824/mo — principal and interest, the actual property-tax bill, the $69/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 4002 SAGEFIELD DR.?+
The association fee works out to $69 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4002 SAGEFIELD DR.?+
The most recent tax bill on record (2024) was $759. 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 4002 SAGEFIELD DR.?+
The listing reports pets: Cats OK, Dogs OK. 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 $400,000, this home is listed about 6% 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 4002 SAGEFIELD DR.?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$400,000 runs 27% above the ST CLOUD 34773 median — but at 2,335 sqft it's also 18% larger than the typical St Cloud listing.
02Time on market is leverage
277 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Harmony High School, Harmony Community School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $441,900, now $400,000 — a $42K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ADAMS HOMES REALTY, INC. · Danielle Lituski. MLS #O6352888.
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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