1863 SHUMARD AVENUE UNIT 1863, ST CLOUD, FL, 34771
Active50 days on marketListed Jun 11, 2026MLS #O6415906
About this home
1863 SHUMARD AVENUE UNIT 1863
Welcome home to Oaktree Pointe Villas! This well-appointed 3-bedroom, 2-bathroom villa offers 1,473 square feet of comfortable living space, complete with a 2 car garage and laundry room. Located just 20 minutes from Lake Nona Medical City, residents enjoy quick access to FL-417 and the Florida Turnpike, making commutes throughout Central Florida a breeze. Orlando International Airport, Lake Nona West, and Medical City are just minutes away. Nature lovers will love the 5-minute drive to St. Cloud's Lakefront Park on Lake Tohopekaliga, offering swimming, boating, fishing, biking, and picnicking along a stunning waterfront setting. Available now. No pets allowed. The owner is looking for first and security at lease signing ($4000), income 3x the rent, with minimum credit score 620 with valid social security card and no past evictions. Schedule your showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,473
Sqft
0.08 ac
Lot size
2
Garage
2019
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /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
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Cloud actives
$1 vs $219
Days on market
50 vs 33 typical
Where $1/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)
209 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 100% 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 1863 SHUMARD AVENUE UNIT 1863
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$287,000
1501 MOSSYCUP DRIVE · same community
3 bd · 2 ba · 1,457 sqft · $197/sqft · 13 DOM
Sold · Feb ’26$287,500
1873 OVERCUP AVENUE · same community
3 bd · 2.5 ba · 1,590 sqft · $181/sqft · 39 DOM
Sold · Jun ’26$295,999
1889 SHUMARD AVENUE · same community
3 bd · 2.5 ba · 1,590 sqft · $186/sqft · 146 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 1863 SHUMARD AVENUE UNIT 1863 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1863 SHUMARD AVENUE UNIT 1863 — 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
1863 SHUMARD AVENUE UNIT 1863 FAQs
What would the monthly payment be for 1863 SHUMARD AVENUE UNIT 1863?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1863 SHUMARD AVENUE UNIT 1863?+
The listing reports pets: No. 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 $2,000, this home is listed about 100% 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 1863 SHUMARD AVENUE UNIT 1863?+
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 SERHANT · Sophia Rogers. MLS #O6415906.
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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