6448 PINE FORK ALLEY, ST CLOUD, FL, 34769
Active1 days on marketListed Jul 31, 2026MLS #O6422523
About this home
6448 PINE FORK ALLEY
Virtually Staged. Want a home priced to sell an is better than new, this is it! WELCOME to 6448 Pine Fork Alley, St. Cloud, FL, featuring a bedroom and full bathroom on the main floor and 3 bedrooms, 2 full bathrooms and laundry room on the second floor, making it perfect for multi-generaltional family living. This thoughtfully designed floor plan provides plenty of space for both everyday living and entertaining. Enjoy the benefits of a low HOA while taking advantage of the incredible community amenities just a short walk away, including a soccer field, basketball court, tennis court, playground, dog park, and picnic area. Whether you're looking for room to grow or a home in a vibrant, amenity-rich neighborhood, this property offers the perfect blend of comfort, convenience, and value. St Cloud is a growing city with a quaint hometown feel; just east of Walt Disney World Resort area and south of Lake Nona, home to Medical City, with Nemours, University of Florida and VA Hospitals and the United States Tennis Association Complex. It is just minutes to the Orlando International Airport as well as a straight shot to the Atlantic Ocean East Coast of Florida.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,031
Sqft
0.08 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$197
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.
$3,208 /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
$3,208/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
−5.7%
Days on market
1 vs 33 typical
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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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 46% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6448 PINE FORK ALLEY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6448 PINE FORK ALLEY — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6448 PINE FORK ALLEY FAQs
What would the monthly payment be for 6448 PINE FORK ALLEY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,208/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 6448 PINE FORK ALLEY?+
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 6448 PINE FORK ALLEY?+
The most recent tax bill on record (2025) was $5,155. 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 6448 PINE FORK ALLEY?+
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 $399,999, 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 6448 PINE FORK ALLEY?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of EXP REALTY LLC · Dawn Grigsby. MLS #O6422523.
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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