6405 SPRUCEPINE LANE, ST CLOUD, FL, 34771
Active70 days on marketListed May 11, 2026MLS #O6406349
About this home
6405 SPRUCEPINE LANE
Welcome to this beautifully maintained home located in the desirable Pine Glen community of St. Cloud. This spacious 3-bedroom, 2.5-bath residence offers a modern and functional layout. The first floor features an open-concept design with a bright family room, a stylish kitchen with quartz countertops, stainless steel appliances, and a large island overlooking the dining area. A versatile flex space on the main level is perfect for a home office, playroom, or additional sitting area. Upstairs, you’ll find a generously sized primary suite along with additional bedrooms and bathrooms. The home also features a rear two-car garage and a beautifully designed outdoor space, perfect for relaxing or hosting gatherings. One of the standout features of this home is the included solar energy system. Pine Glen offers fantastic amenities including playground, and dog park. Conveniently situated near Highway 192, with easy access to Lake Nona, shopping, dining, and Orlando’s major attractions. This is a great opportunity to enjoy a modern home with energy-efficient living in a growing and well-connected area.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,930
Sqft
0.11 ac
Lot size
3
Garage
2023
Year built
Two
Levels
$2
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.
$181 /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
$181/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 St Cloud actives
$2 vs $221
Days on market
70 vs 33 typical
Where $2/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
Drive times from this address
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)
188 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 99% 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 6405 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 · Sep ’25$414,990
2761 HOUSE FINCH ROAD
4 bd · 2 ba · 1,828 sqft · $227/sqft · 8 DOM
Sold · Dec ’25$399,990
2809 HOUSE FINCH ROAD
4 bd · 2 ba · 1,828 sqft · $219/sqft · 62 DOM
Sold · Aug ’25$462,990
7201 NOTTINGHAM REEL COURT
4 bd · 3 ba · 2,108 sqft · $220/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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 6405 SPRUCEPINE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6405 SPRUCEPINE LANE — 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
6405 SPRUCEPINE LANE FAQs
What would the monthly payment be for 6405 SPRUCEPINE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $181/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 6405 SPRUCEPINE LANE?+
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 $2,950, this home is listed about 99% 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 6405 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.
Keep looking
Similar homes nearby
Listing courtesy of ODRY VARGAS REALTY GROUP · Odry Vargas. MLS #O6406349.
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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