4004 MALAWI TRAIL, ST CLOUD, FL, 34772
Active161 days on marketListed Feb 12, 2026MLS #O6381383
About this home
4004 MALAWI TRAIL
Short Sale. Welcome to Buena Vista community. D.R. Horton's Hayden Model offers a spacious 5-bedroom 3-bath 2-story block constructed home. This Hayden model is TWO YEARS NEW and is READY TO MOVE IN. The first floor offers an OPEN FLOOR PLAN with Luxury Vinyl flooring throughout. As soon as you walk in you will see the FLEX ROOM which may be used as an office, receiving area, play room or whatever other use you would like to give it. A cozy bedroom is located at the back of the house on the first floor and is perfect for guests or as an office area. The second floor features four bedrooms including the PRIMARY Bedroom which offers EN-SUITE bathroom and HIS & HERS WALK-IN CLOSETS. The laundry room is located on the second floor for easy access. The second floor is fully carpeted and wet areas are tiled. Enjoy the LOFT area on the second floor. This property has lots of closets and storage space. The Kitchen offers beautiful white SHAKER cabinets with GOLD handles, white GRANITE COUNTERTOPS and STAINLESS STEEL APPLIANCES. The home features a SMART HOME SYSTEM, a spacious ENCLOSED back yard and much more. Save money with this energy efficient home that offers SOLAR PANELS, a HVAC, dual pane low E windows. Partial builder warranty available. Make an appointment now to visit what could be your future home.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,601
Sqft
0.15 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$169
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.
$3,573 /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
$3,573/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
−5.3%
$/sqft vs BUENA LAGO
$169 vs $224
Days on market
161 vs 33 typical
Where $169/sqft sits among the 9 homes for sale in BUENA LAGO
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 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)
7 of 9
BUENA LAGO have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4004 MALAWI TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$469,990
3630 MALAWI TRAIL · same community
5 bd · 3 ba · 2,601 sqft · $181/sqft · 45 DOM
Sold · Jan ’26$464,990
3666 MALAWI TRAIL · same community
5 bd · 3 ba · 2,601 sqft · $179/sqft · 92 DOM
Sold · Apr ’26$464,990
3646 MALAWI TRAIL · same community
5 bd · 3 ba · 2,601 sqft · $179/sqft · 94 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4004 MALAWI TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4004 MALAWI TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
4004 MALAWI TRAIL FAQs
What would the monthly payment be for 4004 MALAWI TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,573/mo — principal and interest, the actual property-tax bill, the $62/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 4004 MALAWI TRAIL?+
The association fee works out to $62 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4004 MALAWI TRAIL?+
The most recent tax bill on record (2025) was $6,879. 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 4004 MALAWI TRAIL?+
The listing reports pets: Yes. 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 $438,900, this home is listed about 3% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4004 MALAWI TRAIL?+
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
Three things that matter here
01Positioned at the premium end
$438,900 runs 19% above the ST CLOUD 34772 median — but at 2,601 sqft it's also 31% larger than the typical St Cloud listing.
02Time on market is leverage
161 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $468,900, now $438,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of OLYMPUS EXECUTIVE REALTY INC · Christine Valencia. MLS #O6381383.
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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