5181 CHICKADEE STREET, ST CLOUD, FL, 34771
Active144 days on marketListed Feb 26, 2026MLS #O6386006
About this home
5181 CHICKADEE STREET
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.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
3,136
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
Two
Levels
$196
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.
$3,804 /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
$3,804/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
−40.1%
$/sqft vs LIVE OAK LAKE PH 1
$196 vs $179
Days on market
144 vs 33 typical
Where $196/sqft sits among the 7 homes for sale in LIVE OAK LAKE PH 1
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
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)
5 of 7
LIVE OAK LAKE PH 1 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 45% 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 5181 CHICKADEE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$373,000
2130 BUR OAK BOULEVARD · same community
4 bd · 2 ba · 1,610 sqft · $232/sqft · 70 DOM
Sold · Apr ’26$400,000
5225 CHICKADEE STREET · same community
3 bd · 2 ba · 1,341 sqft · $298/sqft · 126 DOM
Sold · Sep ’25$975,000
2460 DREAM HOME COURT
3 bd · 2 ba · 3,146 sqft · $310/sqft · 101 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 5181 CHICKADEE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5181 CHICKADEE STREET — 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
5181 CHICKADEE STREET FAQs
What would the monthly payment be for 5181 CHICKADEE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,804/mo — principal and interest, the actual property-tax bill, the $95/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 5181 CHICKADEE STREET?+
The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5181 CHICKADEE STREET?+
The most recent tax bill on record (2025) was $4. 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 5181 CHICKADEE STREET?+
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 $614,900, this home is listed about 45% 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 5181 CHICKADEE STREET?+
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
Three things that matter here
01Positioned at the premium end
$614,900 runs 45% above the ST CLOUD 34771 median — but at 3,136 sqft it's also 59% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
144 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of EG ORLANDO LLC · Melvin Tellez Ariza. MLS #O6386006.
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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