Get new listings emailed daily! JOIN SIGN IN
Jim Ruddy Team
Gold Key Certification, REALTOR®, SRES, U.S. Military on the Move Certified Military Specialist
(407) 718-0984
Facebook Icon YouTube Icon Instagram Icon Homes.com Icon Zillow Icon 
Refine Search

4312 Pine Lake Drive , Saint Cloud, FL 34769

$390,000
New to the Market
BEDS3 BATHS2 full SQUARE FEET1,786 MLS#S5146057
MAP LISTING
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769

21 Total Photos [Click to View All]

4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769
4312 Pine Lake Drive , Saint Cloud, FL 34769

Property Description

Welcome to 4312 Pine Lake Drive in St. Cloud, a charming home located in a well-established neighborhood that offers both tranquility and convenient access to major roadways and community amenities. This lovely home is 1786 square feet and sits on just under a fourth of an acre.Upon touring the home, you will notice that this home has been very well cared for and maintained from the outside to the inside. As you walk into the home you will notice the spacious living room that includes beautiful wood-tile flooring. Passing the living room, you will see the heart of the home, the kitchen, which was fully updated in 2023 with quartz countertops, wooden cabinets, stainless steel appliances, and title floors. The kitchen opens to a very large light and airy dining room, that was added in 2020. Due to the generous size windows, you can easily overlook the fully fenced backyard. A unique and current desirable feature this home offers is that it has a sound-proof room that could be used as a recording studio. The home also features a roomy laundry room. This home has 3 bedrooms and 2 bathrooms. The primary room has its own on-suite and includes a walk-in closet and a built-in closet for lots of storage. For the hobbyist or commuter, the oversized 2-car garage offers extra depth for a workbench and large vehicles.This home will also give you great peace of mind knowing the roof has been replaced in 2020 and the HVAC was replaced in 2025. The property is approximately 1-2 miles from Irlo Bronson Memorial Hwy, providing a direct east-west route through St. Cloud and Kissimmee. Commuters will also appreciate being about 3-4 miles from Florida's Turnpike, allowing for easy travel to Orlando, Central Florida attractions, and surrounding areas.Enjoy proximity to some of St. Cloud's most popular community destinations. The home is just 1/3 of a mile from the St. Cloud Civic Center, which hosts local events, activities, and community programs. The Civic Center has a community pool, basketball courts and baseball fields Outdoor enthusiasts will love being only 2 miles from St. Cloud Lakefront Park, a beautiful waterfront park on Lake Tohopekaliga featuring walking trails, marina access, playgrounds, and scenic lake views. For healthcare convenience, Orlando Health St. Cloud Hospital is less than a mile away.With its convenient location near major highways, healthcare, recreation, and community amenities, this home offers the perfect balance of small-town charm and accessibility to everything Central Florida has to offer, and with no HOA or CDD. Seller's preferred lender is offering a 2,500 credit toward buyer's closing cost for buyers who choose to use this preferred lender. Buyer is not required to use the preferred lender to purchase the home.

4312 Pine Lake Drive | MLS# S5146057

This single family home located at 4312 Pine Lake Drive , Saint Cloud, FL 34769 is currently listed for sale with an asking price of $390,000. This property was built in 1976 and has 3 bedrooms and 2 full baths with 1786 sq. ft. Pine Lake Drive is located in the PINE LAKE ESTATES subdivision. Search PINE LAKE ESTATES real estate on jimruddyteam.watsonrealtycorp.com today.

Property Features

Property Type: Residential - Single Family
Cooling: Central Air
Fenced: Yes
Garage: 2 car attached
Heating: Central
Home Style: Florida
Lot Size: 0.23 Acres
Roof Type: Shingle
Stories: 1.0
Taxes: $1,182
Year Built: 1976
Square Feet: 1,786

Amenities

Ceiling Fans(s)
Primary Bedroom Main Floor
Solid Wood Cabinets
Stone Counters
Thermostat
Private Mailbox
Private Yard

Feature Descriptions

Appliances: Dishwasher, Disposal, Microwave, Range, Range Hood, Refrigerator
Directions: From US-I92 turn onto Old Canoe Creek Rd. Turn Left onto Pine Lake Drive. Home will be on the right.
Exterior: Brick, Frame
Fencing: Fenced
Flood Zone Code: X
Flooring: Carpet, Ceramic Tile
Foundation: Slab
Home Warranty Y/N: No
Listing Terms: Cash, Conventional, FHA, VA Loan
Lot: Oversized Lot, Paved
Lot Dimensions: 0.23
Other Equipment: Private Yard
Ownership: Fee Simple
Parking: Off Street, On Street, Oversized
Parking Notes: Off Street, On Street, Oversized
Patio/Porch: Covered, Front Porch
Pets Allowed: Yes
Property Attached Y/N: No
Property Sub-Type: Single Family Residence
Sewer: Public Sewer
Showing Instructions: Supra Lock Box, Appointment Only
Special Sale Provisions: None
Utilities: Cable Available, Electricity Connected, Phone Available, Public, Sewer Connected, Water Connected
Water: Public
Water Access Y/N: No
Zoning: SR1

Room Sizes

Primary Bedroom: 15x12
Bedroom 2: 12x10
Bedroom 3: 12x9
Living Room: 11x19
Kitchen: 13x14
Bathroom 1: 8x4.5
Bathroom 2: 7.9x7.6

Local Schools

High School: St. Cloud High School
Middle School: St. Cloud Middle (6-8)
Elementary School: Neptune Elementary

Listed By / Shown By

Listed By

Agency Name: CORCORAN CONNECT LLC
Agency Contact: 407-953-9118

Shown By

Agent Name: Jim Ruddy Team
Agent Phone: (407) 718-0984
Agency Title: Watson Realty Corp., REALTORS ®

IDX logo

Estimate Your Payment

Estimated Payment

$ 2,092.89 per month $1,880.64 Principal & Interest $98.50 Property Tax $113.75 Homeowner's Insurance

Change Payment Information

%
years/fixed
yearly
yearly (est.)
(Payments are an estimate and may vary by lender)
Disclaimer: All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated 03/20/2026. The listing information on this page last changed on 03/20/2026. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of Delta Media Group MLS (last updated Fri 03/20/2026 12:14:57 AM EST) or GAMLS (last updated Thu 03/19/2026 11:15:08 PM EST) or Stellar MLS (last updated Thu 03/19/2026 11:59:15 PM EST) or SPC MLS (last updated Thu 03/19/2026 11:20:38 PM EST) or Martin MLS (last updated Thu 03/19/2026 11:38:18 PM EST) or Indian River MLS (last updated Thu 03/19/2026 11:30:30 PM EST) or Daytona MLS (last updated Thu 03/19/2026 11:36:57 PM EST) or Northeast Florida MLS (last updated Fri 03/20/2026 12:08:55 AM EST) or Beaches MLS (last updated Fri 03/20/2026 12:08:04 AM EST) or BORMLS (last updated Thu 03/19/2026 11:16:04 PM EST) or Golden Isles MLS (last updated Thu 03/19/2026 11:26:41 PM EST) or Amelia/Nassau MLS (last updated Thu 03/19/2026 11:25:21 PM EST) or Dixie Gilchrist Levy MLS (last updated Thu 03/19/2026 11:42:25 PM EST) or NFLMLS (last updated Thu 03/19/2026 9:07:27 PM EST). Real estate listings held by brokerage firms other than Watson Realty Corp., REALTORS ® may be marked with the Internet Data Exchange logo and detailed information about those properties will include the name of the listing broker(s) when required by the MLS. All rights reserved.

Listing data and photos distributed by MLSGRID
Member Participants (and their affiliated licensees, if applicable) shall indicate on their websites that IDX information is provided exclusively for consumers’ personal non-commercial use, that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing, that the data is deemed reliable but is not guaranteed by MLS GRID, and that the use of the MLS GRID Data may be subject to an end user license agreement prescribed by the Member Participant’s applicable MLS if any and as amended from time to time. MLS GRID may, at its discretion, require use of other disclaimers as necessary to protect Member Participant, and/or their MLS from liability.
Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.



Privacy Policy / DMCA Notice / ADA Accessibility

Login to My Homefinder

Pixel