0 LILLIAN BLACK ROAD, ST CLOUD, FL, 34771
Active237 days on marketListed Nov 29, 2025MLS #O6363235
About this home
0 LILLIAN BLACK ROAD
Don't miss out on the opportunity to own this great waterfront property on East Lake Toho! There is NO HOA or Deed restrictions. Build your dream home and still have space for an RV and/or boat. Add a dock to enjoy boating and fishing, right in your back yard. Conveniently located close to Medical City, Lake Nona, Orlando International Airport, VA Medical Center, restaurants and shops.
Facts & features
The home at a glance
0.85 ac
Lot size
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 — not generic estimates.
$2,827 /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
$2,827/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.
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 LILLIAN BLACK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$465,000
420 KETCH ROAD · same community
3 bd · 2 ba · 1,460 sqft · $318/sqft · 63 DOM
Sold · Jan ’26$440,000
4873 CHISHOLM PARK TRAIL · same community
4 bd · 2 ba · 1,647 sqft · $267/sqft · 39 DOM
Sold · Nov ’25$865,000
4873 OLD OAK TRAIL · same community
4 bd · 3 ba · 2,534 sqft · $341/sqft · 196 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 0 LILLIAN BLACK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 LILLIAN BLACK ROAD — 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
0 LILLIAN BLACK ROAD FAQs
What would the monthly payment be for 0 LILLIAN BLACK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,827/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 0 LILLIAN BLACK ROAD?+
The most recent tax bill on record (2024) was $1,701. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $399,000, this home is listed about 6% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 0 LILLIAN BLACK ROAD?+
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
01Under the ST CLOUD 34771 market on paper
$399,000 is 6% below the ST CLOUD 34771 median of $425,000.
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
237 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 $425,000, now $399,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Dawn Grigsby. MLS #O6363235.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 0 LILLIAN BLACK ROAD but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →