1520 CANOPY OAKS COURT, ST CLOUD, FL, 34771
Active254 days on marketListed Nov 21, 2025MLS #O6361718
About this home
1520 CANOPY OAKS COURT
Discover the ultimate lakefront retreat on the shores of East Lake Tohopekaliga an impeccably appointed, custom-built residence offering the perfect blend of luxury, comfort, and resort-style living. Located in an exclusive gated community, this 5 bedrooms / 3 bathrooms home showcases timeless craftsmanship, breathtaking water views, and exceptional indoor–outdoor spaces designed for both relaxation and entertaining. Step inside to soaring 10-foot ceilings, elegant tray accents, crown molding, and rich travertine flooring throughout the main level. A striking wood-floored stairwell serves as an architectural focal point, setting the tone for the home’s sophisticated design. The open-concept layout features a spacious family room with a wood-burning fireplace and pocket sliding glass doors that fully open to the screened lanai, creating a seamless connection between indoor comfort and outdoor living. A formal dining room, charming dinette, and gourmet kitchen complete the heart of the home featuring dual wall ovens, a cooktop, walk-in pantry, and abundant cabinetry. The expansive primary suite is conveniently located on the first floor, offering serene lake views, dual walk-in closets, and a spa-inspired bathroom with a garden tub and separate walk-in shower. Two additional bedrooms on the main level include a flexible third bedroom ideal for a home office or private sitting room. Upstairs, you’ll find two generously sized bedrooms with walk-in closets, along with a versatile living area perfect for a bonus room, game room, or media space complete with plumbing ready for a future wet bar. Step out onto the large upper balcony to enjoy sweeping lake and sunset views that are truly unforgettable. Outdoor living is elevated with a screened-in pool featuring water features, a pavered lanai, and plumbing ready for a full outdoor kitchen ideal for entertaining, relaxing, and enjoying the lakeside breeze. The private dock includes a covered seating area, boat slip, and low-maintenance synthetic decking, offering endless opportunities for boating, fishing, and sunset cruising. Additional features include a tile roof, 3-car garage, pavered driveway, and a dedicated laundry room. Perfectly situated near Lake Nona, this home offers quick access to Medical City, the VA Hospital, Nemours Children’s Hospital, top-rated restaurants, vibrant shopping, and the Orlando International Airport, making everyday convenience and world-class amenities just minutes away. Experience unforgettable sunsets, spacious luxury living, and the rare opportunity to own a true lakefront lifestyle on Lake Toho.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,591
Sqft
0.56 ac
Lot size
3
Garage
2013
Year built
Two
Levels
$355
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.
$8,278 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$8,278/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+30.1%
$/sqft vs St Cloud actives
$355 vs $218
Days on market
254 vs 33 typical
Where $355/sqft sits among the 400 St Cloud actives
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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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)
213 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 196% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1520 CANOPY OAKS COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$610,000
1640 LAKE PARKWAY DRIVE · same community
4 bd · 3 ba · 3,087 sqft · $198/sqft · 3 DOM
Sold · Mar ’26$720,000
1420 CALM WATERS COURT · same community
4 bd · 3.5 ba · 3,012 sqft · $239/sqft · 5 DOM
Sold · May ’26$702,000
4925 CYPRESS HAMMOCK DRIVE · same community
5 bd · 4 ba · 4,239 sqft · $166/sqft · 21 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1520 CANOPY OAKS COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1520 CANOPY OAKS COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1520 CANOPY OAKS COURT FAQs
What would the monthly payment be for 1520 CANOPY OAKS COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,278/mo — principal and interest, the actual property-tax bill, the $118/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 1520 CANOPY OAKS COURT?+
The association fee works out to $118 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1520 CANOPY OAKS COURT?+
The most recent tax bill on record (2024) was $7,704. 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 1520 CANOPY OAKS COURT?+
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 $1,275,000, this home is listed about 200% 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 1520 CANOPY OAKS COURT?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,275,000 runs 196% above the ST CLOUD 34771 median — but at 3,591 sqft it's also nearly twice the size of the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
254 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,495,000, now $1,275,000 — a $220K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of URBANISTA BROKERS · Anna Lohr. MLS #O6361718.
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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