3920 Southern Vista Loop

St. Cloud, FL 34772

$410,000
Price
5
Beds
2,791 Sq. Ft.
$147 / Sq. Ft.
2,791
Sq. Ft.
$147
per Sq. Ft.
Pending
Pending

Description

Under contract-accepting backup offers. Short Sale. Short Sale. Lender has indicated acceptance at $410,000. Property is vacant and ready for showings. Sale and all terms are subject to lender final approval. Spacious 5-bedroom, 2.5-bath home located at 3920 Southern Vista Loop, Saint Cloud, FL 34772, in the desirable Southern Pines community. Built in 2021, this property offers an excellent opportunity for buyers seeking value. Seller motivated and ready to review offers that meet lender requirements.Under contract-accepting backup offers. Short Sale. Short Sale. Lender has indicated acceptance at $410,000. Property is vacant and ready for showings. Sale and all terms are subject to lender final approval. Spacious 5-bedroom, 2.5-bath home located at 3920 Southern Vista Loop, Saint Cloud, FL 34772, in the desirable Southern Pines community. Built in 2021, this property offers an excellent opportunity for buyers seeking value. Seller motivated and ready to review offers that meet lender requirements.
  1. Listed by Luisa Soto Navarro • Brokerage DRE #1069393 • AROD PARTNERS REALTY
    P: (786)-267-2340 C: (786)-267-2340 luisanasoton@gmail.com

Property Details for 3920 Southern Vista Loop

Subdivision Name
SOUTHERN PINES PH 3B
Township
26S
Garage Spaces
2
View
Pool, Water
Waterfront
No
LISTING UPDATED: 01/25/2026 01:30 PM

Property Details for 3920 Southern Vista Loop

StatusPending
MLS #S5126165
Days on Market190
Taxes$7,445 / year
HOA Fees$1,280 / year
Condo/Co-op Fees$320 / quarter
Compass TypeSingle Family
MLS TypeResidential / Single Family Residence
Year Built2021
Lot Size0.14 AC / 6,098 SF
CountyOsceola County

Location

Listing Courtesy of AROD PARTNERS REALTY, Luisa Soto Navarro
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Building Information for 3920 Southern Vista Loop

Stories2Year Built2021Building Size-Lot Size0.14 AC / 6,098 SF

Payment Calculator

$2,832 per month

30 year fixed, 6.15% Interest

Principal and Interest

$1,998

Property Taxes

$620

HOA Dues

$213

The Payment Calculator is for illustrative purposes only.

Property Information for 3920 Southern Vista Loop

Summary
Location and General Information
  • Building Area Source: Public Records
  • Building Area Total: 2791.0
  • Building Area Units: Square Feet
  • Community Features: Clubhouse, Association Recreation - Owned
  • Direction Faces: South
  • Directions: Take FL-408 E (East-West Expressway) heading east. Merge onto FL-417 S (Central Florida GreeneWay) toward Tampa/Disney World. Take Exit 22 for US-192 E / US-441 S toward St. Cloud. Continue on US-192 E for approximately 10 miles. Turn right onto Pine Grove Road. Then, turn left onto Southern Pines Blvd (entrance to the Southern Pines community).Turn right onto Southern Vista Loop.The property will be on your left at 3920 Southern Vista Loop.
  • Elementary School: St Cloud Elem
  • Middle Or Junior School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Mls Major Change Type: Pending
  • Major Change Type: Pending
  • Listing Service: Full Service
  • Senior Community: No
  • Unit Number: No
  • Street Number: 3920
  • Street Name: SOUTHERN VISTA
  • Street Suffix: LOOP
  • State: FL
  • City: ST CLOUD
Parking
  • Attached Garage: No
  • Carport: No
  • Garage: Yes
  • Parking Features: Covered, Garage Door Opener, Guest
Taxes and HOA Information
  • Association Approval Required: No
  • Association Fee Includes: Community Pool, Pool Maintenance, Recreational Facilities
  • Association Fee Requirement: Required
  • Association Name: Sovereign & Jacobs / Amanda
  • Association Phone: 407-960-4872
  • Association: Yes
  • CDD: No
  • Tax Block: 5
  • Tax Book Number: 30-147-152
  • Tax Legal Description: SOUTHERN PINES PH 3B PB 30 PGS 147-152 LOT 5
  • Tax Lot: 5
  • Tax Year: 2024
Virtual Tour
Property
Lot Information
  • Additional Parcels: No
  • Parcel Number: 132630066600010050
  • Total Acreage: 0 to less than 1/4
  • Water Access: No
  • Water Extras: No
  • Zoning: INCORP
  • Living Area: 2791
Property and Assessments
  • Year Built Numeric: 2021
  • Association Amenities: Clubhouse
  • Flood Zone Code: x
  • Homestead: No
  • New Construction: No
  • Public Survey Range: 30E
  • Public Survey Section: 13
Utilities
  • Sewer: Public Sewer
  • Utilities: Public
  • Water Source: Public
Interior and Exterior Features
Exterior Features
  • Construction Materials: Block, Stucco
  • Exterior Features: Garden, Courtyard
  • Foundation Details: Concrete Perimeter
  • Levels: Two
  • Pool Private: No
  • Pool: None
  • Pool Private: No
  • Roof: Shingle
  • Waterfront Feet Total: 0
  • Number Of Stories: 2
Interior Features
  • Bedrooms Total: 5
  • Bathrooms Full: 2
  • Appliances: Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Gas Water Heater, Ice Maker, Microwave, Range, Refrigerator
  • Cooling: Central Air
  • Fireplace: No
  • Flooring: Carpet, Ceramic Tile
  • Heating: Electric
  • Interior Features: Ceiling Fan(s), Open Floorplan
  • Laundry Features: Inside, Laundry Closet
  • Living Area Source: Public Records
  • Living Area Units: Square Feet
  • Room Count: 7.0
  • Water View: No
  • Bathrooms Half: 1
Rental
Rental Information
  • Minimum Lease Period: 0
  • Pets Allowed: Yes

Property History for 3920 Southern Vista Loop

DateEvent & SourcePriceAppreciation
Jan 19, 2026

Pending

MFRMLS #S5126165

—
Dec 22, 2025

Price Change

MFRMLS #S5126165

$410,000—
Dec 22, 2025

Listed (Active)

MFRMLS #S5126165

—
Nov 3, 2025

Pending

MFRMLS #S5126165

—
Sep 19, 2025

Price Change

MFRMLS #S5126165

$425,000—
Jul 10, 2025

Price Change

MFRMLS #S5126165

$490,000—
May 5, 2025

Price Change

MFRMLS #S5126165

$550,000—
May 4, 2025

Listed (Active)

MFRMLS #S5126165

$569,000—
Dec 28, 2023

Sold (Public Record)

Public Record #1525484648

$549,000—
DateEvent & SourcePrice
01/19/2026

Pending

MFRMLS #S5126165

—
12/22/2025

Price Change

MFRMLS #S5126165

$410,000
12/22/2025

Listed (Active)

MFRMLS #S5126165

—
11/03/2025

Pending

MFRMLS #S5126165

—
09/19/2025

Price Change

MFRMLS #S5126165

$425,000
07/10/2025

Price Change

MFRMLS #S5126165

$490,000
05/05/2025

Price Change

MFRMLS #S5126165

$550,000
05/04/2025

Listed (Active)

MFRMLS #S5126165

$569,000
12/28/2023

Sold (Public Record)

Public Record #1525484648

$549,000

For completeness, Compass often displays two records for one sale: the MLS record and the public record.

Public Records for 3920 Southern Vista Loop

Taxable ValueLand$75,000Additions$343,000Total$418,000
Tax Record2025$6,714 ($560 / month)
Home Facts
Beds4Total Finished SqFt2,791 SqFtAbove Grade Finished SqFt2,791 SqFtStories2Lot Size6,098 SqFtStyleSingle Family ResidenceYear Built2021CountyOSCEOLAAPN132630066600010050

Schools near 3920 Southern Vista Loop

This home is within The School District of Osceola County.
Rating
School
Type
Grades
Distance
Michigan Avenue Elementary School
Public - PK to 5
St. Cloud Middle School
Public - 6 to 8
St. Cloud High School
Public - 9 to 12
Creative Inspiration Journey School of St Cloud
Charter - PK to 8
Rating
School
Distance
Michigan Avenue Elementary School
PublicPK to 5

St. Cloud Middle School
Public6 to 8

St. Cloud High School
Public9 to 12

Creative Inspiration Journey School of St Cloud
CharterPK to 8

School ratings and boundaries are provided by GreatSchools.org and Pitney Bowes. This information should only be used as a reference. Proximity or boundaries shown here are not a guarantee of enrollment. Please reach out to schools directly to verify all information and enrollment eligibility.

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No guarantee, warranty or representation of any kind is made regarding the completeness or accuracy of descriptions or measurements (including square footage measurements and property condition), such should be independently verified, and Compass, Inc., its subsidiaries, affiliates and their agents and associated third parties expressly disclaims any liability in connection therewith. Photos may be virtually staged or digitally enhanced and may not reflect actual property conditions. Offers of compensation are subject to change at the discretion of the seller. No financial or legal advice provided. Equal Housing Opportunity.

Listing Courtesy of AROD PARTNERS REALTY, Luisa Soto Navarro

The information being provided by MFRMLS and Daytona Multiple Listing Service is for the consumer's personal, non-commercial use and may not be used for any purpose other than to identify prospective properties the consumer may be interested in purchasing. Any information relating to real estate for sale referenced on this web site comes from the Internet Data Exchange (IDX) program of MFRMLS or Daytona Multiple Listing Service. Real estate listings held by brokerage firms other than this site owner are marked with the IDX/MLS logo. Information deemed reliable but is not guaranteed accurate by MFRMLS or Daytona Multiple Listing Service. Last updated: 01/25/2026 01:30 PM