2156 OLD HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active117 days on marketListed Mar 31, 2026MLS #S5146914
About this home
2156 OLD HICKORY TREE ROAD
Build your vision on this vacant land opportunity in Saint Cloud located in a growing area. This area has a strong development potential. Not in a flood zone providing peace of mind and flexibility when you are planning. Enjoy the privacy of more secluded setting while still close to major roads, shopping, dining, and lake nona. Whether you are looking to build now or hold for future appreciation, this is a rare opportunity to secure land in one of Central Florida's fastest growing areas. No hoa, bring your builder and create exactly what you envision.
Facts & features
The home at a glance
0.19 ac
Lot size
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 — not generic estimates.
$646 /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
$646/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.
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 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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 80% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2156 OLD HICKORY TREE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$160,000
5627 INDIANA DRIVE · same community
2 bd · 1 ba · 844 sqft · $190/sqft · 118 DOM
Sold · Jan ’26$450,000
740 STONER ROAD · same community
3 bd · 1 ba · 850 sqft · $529/sqft · 5 DOM
Sold · Dec ’25$116,000
5131 W 11TH STREET W · same community
2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 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 2156 OLD HICKORY TREE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2156 OLD HICKORY TREE ROAD — 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
2156 OLD HICKORY TREE ROAD FAQs
What would the monthly payment be for 2156 OLD HICKORY TREE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $646/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2156 OLD HICKORY TREE ROAD?+
The most recent tax bill on record (2025) was $136. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $75,000, this home is listed about 82% 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 2156 OLD HICKORY TREE ROAD?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34772 market on paper
$75,000 is 80% below the ST CLOUD 34772 median of $370,000.
02Park/Greenbelt & Pool & Trees/Woods views
The park/greenbelt and pool and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
117 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $100,000, now $75,000 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MCKINNEY REALTY CO · Matt McKinney. MLS #S5146914.
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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