5106 SAINT MICHAEL AVENUE, BELLE ISLE, FL, 32812
Active144 days on marketListed Mar 14, 2026MLS #O6389585
About this home
5106 SAINT MICHAEL AVENUE
Virtually Staged. Welcome to this charming one-story home in the desirable Belle Isle / Lake Conway Estates community, offering deeded access to the Conway Chain of Lakes and an optional HOA with access to the community boat ramp. Situated on just under a quarter-acre beneath a beautiful mature oak tree, this property provides shade, curb appeal, and functional outdoor space. The fenced backyard features a double gate, ideal for storing water sports equipment, boats, or trailers, along with a two-car garage. Inside, this 4-bedroom, 2.5-bath home offers a versatile layout with an additional bonus room that can serve as a bedroom, home office, or den. The formal entry welcomes you with real oak hardwood floors and leads into multiple flexible living spaces. The owner’s suite includes a remodeled en-suite bathroom with double vanities and a pebble-floor walk-in shower, as well as spacious cedar walk-in closets. Secondary bedrooms are generously sized and share a convenient Jack-and-Jill bathroom. The bonus room features a fireplace, creating a cozy space for relaxing, reading, or working from home. Additional updates include energy-efficient AMI windows throughout, updated electrical panel, PEX replumbing, a 2017 roof, and a functioning HVAC system. Schedule your private showing today to see all that this Lake Conway area home has to offer.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,237
Sqft
0.25 ac
Lot size
2
Garage
1963
Year built
One
Levels
$239
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 — not generic estimates.
$4,086 /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
$4,086/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
−30.9%
$/sqft vs Belle Isle actives
$239 vs $291
Days on market
144 vs 81 typical
Where $239/sqft sits among the 8 Belle Isle 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 Lake Conway Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Belle Isle. See the full Belle Isle guide →
Lake Conway Estates — neighborhood snapshot
Population
1,222
Median age
39
Median income
$153,530
Median home value
$437,303
Avg household
3
Households w/ children
163
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Belle Isle market
$630K → $690K
Belle Isle median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
7 of 8
Belle Isle actives have cut their price
Median sold price, Belle Isle, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 117% above the BELLE ISLE 32812 median. See the full Belle Isle market guide →
Paper trail
This home's history
Reality check
What actually sold near 5106 SAINT MICHAEL AVENUE
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$485,000
5125 LOUVRE AVENUE · same community
3 bd · 2 ba · 2,077 sqft · $234/sqft · 17 DOM
Sold · Feb ’26$637,000
5013 MONET AVENUE · same community
4 bd · 3 ba · 2,071 sqft · $308/sqft · 40 DOM
Sold · May ’26$770,000
5018 MONET AVENUE · same community
4 bd · 3 ba · 2,431 sqft · $317/sqft · 119 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 5106 SAINT MICHAEL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5106 SAINT MICHAEL AVENUE — 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
5106 SAINT MICHAEL AVENUE FAQs
What would the monthly payment be for 5106 SAINT MICHAEL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,086/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 5106 SAINT MICHAEL AVENUE?+
The most recent tax bill on record (2024) was $6,477. 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 5106 SAINT MICHAEL AVENUE?+
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 Belle Isle?+
At $535,000, this home is listed about 3% below the Belle Isle median of $550,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5106 SAINT MICHAEL AVENUE?+
Shenandoah Elementary (elementary), Conway Middle (middle), Oak Ridge High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Jason Asa. MLS #O6389585.
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 Belle Isle homes, in your inbox
Like 5106 SAINT MICHAEL AVENUE but not quite? A daily digest of every new listing in Belle Isle — 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 →