$614,900
PRE-FORECLOSURE The borrower is in default on their loan obligation and/or the bank or lender has initiated foreclosure proceedings. This property is occupied, do not disturb the occupants. Trespassing is a criminal offense.

Estimated payment $3,377/month

Total Views 911
4 Beds
2.5 Baths
3,136 Sq Ft
$196 Price per Sq Ft

Highlights

  • Saltwater Pool
  • Lake View
  • Living Room
  • Solar Power System
  • Walk-In Closet
  • Laundry Room

About This Home

Beautiful two-story home located in the desirable Live Oak Lake community in St. Cloud, featuring peaceful lake views and excellent outdoor living. The first level offers ceramic tile flooring throughout, providing durability and easy maintenance. The backyard is fully fenced and showcases a saltwater pool with a fully screened pool deck enclosure, perfect for enjoying Florida living year-round, along with a covered back lanai overlooking the water. Additional features include a water softener system, ceiling storage in the garage, and solar panels that enhance energy efficiency. Conveniently located near schools, shopping, dining, and major roadways, this home offers comfort, functionality, and a serene setting.

Listing Agent

Melvin Tellez Ariza

TRUE FLORIDA REALTY LLC Brokerage Phone: 877-366-2213 License #3323800 Listed on: 02/26/2026

TRUE FLORIDA REALTY LLC

Co-Listing Agent

Ana Lucia Reyes Lam

TRUE FLORIDA REALTY LLC Brokerage Phone: 877-366-2213 License #3622425

Home Details

Home Type

  • Single Family

Year Built

  • Built in 2020

Lot Details

  • 6,098 Sq Ft Lot
  • West Facing Home
  • Garden
  • Property is zoned PUD

HOA Fees

  • $95 Monthly HOA Fees

Parking

  • 2 Car Garage

Home Design

  • Bi-Level Home
  • Slab Foundation
  • Shingle Roof
  • Concrete Siding
  • Block Exterior
  • Stucco

Interior Spaces

  • 3,136 Sq Ft Home
  • Living Room
  • Dining Room
  • Lake Views

Kitchen

  • Range
  • Microwave
  • Dishwasher

Flooring

  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Walk-In Closet

Laundry

  • Laundry Room
  • Dryer
  • Washer

Eco-Friendly Details

  • Solar Power System

Pool

  • Saltwater Pool
  • Pool Deck

Schools

  • Hickory Tree Elementary School
  • Harmony Middle School
  • Harmony High School

Utilities

  • Central Heating and Cooling System
  • Water Softener

Community Details

  • Castle Group Association, Phone Number (407) 214-0627
  • Live Oak Lake Ph 1 Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Year Built

Built in 2020

Lot Details

6,098 Sq Ft Lot

HOA Fees

$95 per month

Parking

2

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Block, Concrete, Stucco
  • Fireplace: No
  • Living Area: 3136
  • Lot Size Acres: 0.14
  • New Construction: No
  • Year Built: 2020
  • Building Area Total: 4018
  • Lot Size Sq Ft: 6098
  • Status: Active
  • Co List Office Mls Id: MFR261016803
  • Co List Office Phone: 877-366-2213
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 373.28
  • Escrow City: Winter Park
  • Escrow State: FL
  • Escrow Street Name: W. Morse Blvd STE. 100
  • Minimum Lease: 1-2 Years
  • RATIO Current Price By Calculate: 196.08
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_SolarPanelOwnership: Financed
  • MFR_InLawSuiteYN: 0
  • Attribution Contact: 877-366-2213
  • Tax Year: 2025
  • Special Features: None

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile
  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Interior Amenities: Walk-In Closet(s)
  • Appliances Included: Dishwasher, Dryer, Microwave, Range, Washer, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Living Area Meters: 291.34

Exterior Features

  • Direction Faces: West
  • Pool Features: Deck, Salt Water
  • Exterior Features: Garden
  • Roof: Shingle
  • Pool Private: Yes
  • Waterfront: No
  • Road Surface Type: Paved
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12097C0280G

Garage/Parking

  • Attached Garage: No
  • Carport Y N: No
  • Garage Spaces: 2
  • Garage Yn: Yes

Utilities

  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Laundry Room
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Association Fee: 95
  • Association Fee Frequency: Monthly
  • Association Name: Castle Group
  • Phone: 4072140627
  • Association: Yes
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 1
  • Pet Restrictions: Contact HOA for more information.
  • Association Fee Requirement: Required

Fee Information

  • Total Annual Fees: 1140.00
  • Total Monthly Fees: 95.00
  • Monthly HOA Amount: 95.00

Schools

  • Elementary School: Hickory Tree Elem
  • High School: Harmony High
  • Middle Or Junior School: Harmony Middle

Lot Info

  • Zoning: PUD
  • Parcel Number: 08-26-31-3973-0001-0970
  • Additional Parcels: No
  • Flood Zone Code: X

Green Features

  • Green Power: Solar

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Contact HOA for more information.

Tax Info

  • Tax Annual Amount: 4
  • Tax Block: 0001
  • Tax Book Number: 27-55-59
  • Tax Lot: 97

Multi Family

  • Approval Process: Contact HOA for more information.

Map

Range of Values:

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Value Increase
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $4 $389,985 -- --
2024 $622 $378,995 -- --
2023 $622 $341,609 $0 $0
2022 $576 $331,660 $0 $0
2021 $564 $322,000 $55,000 $267,000
2020 $1,239 $49,500 $49,500 $0
2019 $650 $44,000 $44,000 $0
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
02/26/2026 02/26/26 For Sale $614,900 -- $196 / Sq Ft
Source: Stellar MLS

Purchase History

Date Type Sale Price Title Company
Quit Claim Deed $100 --
Quit Claim Deed -- None Listed On Document
Quit Claim Deed -- None Listed On Document
Special Warranty Deed $375,200 Pgp Title
Special Warranty Deed $375,200 Pgp Title
Special Warranty Deed $375,200 Pgp Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $512,000 No Value Available
Previous Owner $415,800 VA
Previous Owner $375,150 VA
Source: Public Records

Source: Stellar MLS

MLS Number: O6386006

Stellar MLS

APN: 08-26-31-3973-0001-0970

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