115 RACHEL LIN LANE, ST CLOUD, FL, 34771
Active46 days on marketListed Jun 9, 2026MLS #O6415242
About this home
115 RACHEL LIN LANE
Welcome home to East Lake Reserve, one of St. Cloud's most sought-after gated communities, where quiet tree-lined streets, picturesque surroundings, and direct access to East Lake Tohopekaliga create an exceptional place to call home. Residents enjoy a scenic lakeside boardwalk, community dock with stunning sunset views, basketball courts, playground, direct lake access, and secured boat and RV storage. Situated within this desirable community is this beautifully updated, move-in ready three bedroom, two bathroom home with a dedicated office. Step inside to find a flexible office just off the foyer, ideal for working from home or easily serving as a fourth bedroom. The spacious living room opens to the covered, screened lanai that overlooks the privacy-fenced backyard, creating a comfortable flow for everyday living and entertaining. The eat-in kitchen features granite countertops, a breakfast bar, abundant cabinet and counter space, and a new stove and dishwasher. The split-bedroom floor plan offers privacy for everyone. Two secondary bedrooms each feature dual closets and share an updated full bathroom. The primary suite provides a relaxing retreat with granite countertops and a whirlpool tub with a separate shower. Outside, the covered screened lanai serves as an extension of the living space, while the fully fenced backyard offers plenty of room for gardening, play, or simply enjoying the peaceful surroundings. Thoughtfully maintained and updated, major improvements include a new roof (2021), A/C (2020), water heater (2021), flooring (2021), vinyl privacy fence (2020), and fresh interior and exterior paint (2026). For added peace of mind, the home is equipped with custom vinyl window covers providing extra protection during Florida's storm season. If you've been searching for a move-in ready home in one of St. Cloud's premier gated communities with exceptional amenities and lake access, this is one you won't want to miss. Ideally located between Lake Nona and Downtown St. Cloud, the community is just minutes from Medical City, Orlando International Airport, UCF, shopping, dining, and entertainment, with convenient access to SR 417, SR 528, Florida's Turnpike, and the greater Orlando area. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,750
Sqft
0.25 ac
Lot size
2
Garage
2005
Year built
One
Levels
$234
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.
$3,145 /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
$3,145/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
+4.9%
$/sqft vs St Cloud actives
$234 vs $219
Days on market
46 vs 33 typical
Where $234/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)
197 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 4% 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 115 RACHEL LIN LANE
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$485,000
4835 CALASANS AVENUE · same community
3 bd · 2 ba · 1,750 sqft · $277/sqft · 83 DOM
Sold · Jun ’26$545,000
140 RACHEL LIN LANE · same community
4 bd · 3 ba · 2,333 sqft · $234/sqft · 2 DOM
Sold · Jun ’26$425,000
1050 TOP MINNOW ROAD
3 bd · 2.5 ba · 1,790 sqft · $237/sqft · 0 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 115 RACHEL LIN LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 115 RACHEL LIN LANE — 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
115 RACHEL LIN LANE FAQs
What would the monthly payment be for 115 RACHEL LIN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,145/mo — principal and interest, the actual property-tax bill, the $70/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 115 RACHEL LIN LANE?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 115 RACHEL LIN LANE?+
The most recent tax bill on record (2025) was $3,850. 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 115 RACHEL LIN LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $409,900, this home is listed about 4% 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 115 RACHEL LIN LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ADVANTAGE REALTY · Barrett Spray. MLS #O6415242.
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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