David Ramirez
$950,0003 bd2 ba1,784 sqft$533 /sqft$5,835 /mo all-in ↓

5845 LAKE LIZZIE DRIVE, ST CLOUD, FL, 34771

Active11 days on marketListed Jul 14, 2026MLS #O6421494

Single Family ResidenceN/A

About this home

5845 LAKE LIZZIE DRIVE

Spacious Living Meets Florida Charm on 3.74 Acres! Discover the perfect blend of privacy, comfort, and convenience in this beautiful 3-bedroom, 2-bathroom home situated on an impressive 3.74-acre lot in the heart of Saint Cloud, Florida. With plenty of room to create your dream outdoor oasis, this property offers endless possibilities for entertaining, gardening, or simply enjoying peaceful country-style living. Step inside to an inviting open floor plan featuring vaulted ceilings, elegant granite countertops, and easy-to-maintain tile flooring throughout. The spacious kitchen flows seamlessly into the living areas, creating the perfect setting for family gatherings and entertaining guests. Relax year-round on the screened-in porch, where you can enjoy your morning coffee or unwind in the evenings while taking in the serene surroundings—without the bugs. Conveniently located just minutes from shopping, dining, major highways, and Orlando International Airport (MCO), you'll enjoy the tranquility of Saint Cloud while remaining close to all that Central Florida brings. Property Highlights: 3 Bedrooms | 2 Bathrooms, 3.74 Acres of Land, Granite Countertop,Vaulted Ceilings, Tile Flooring Throughout, Screened-In Lanai, Plenty of Space for RVs, Boats, or Future Expansion, Prime Saint Cloud Location, Easy Access to Orlando, Theme Parks & MCO Airport. This is more than a home—it's a lifestyle. Don't miss your opportunity to own this incredible piece of Florida paradise! Schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,784

Sqft

3.74 ac

Lot size

2

Garage

1990

Year built

One

Levels

$533

Per sqft

Inside

FlooringCeramic Tile
AppliancesDishwasher · Disposal · Microwave · Other · Range
InteriorBuilt-in Features · Other
LaundryOther
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionConcrete · Other
FoundationBlock · Concrete Perimeter
FacesEast
ExteriorOther

Community & fees

Taxes (2025)$2,308/yr

Utilities & systems

UtilitiesElectricity Available · Other · Water Available
WaterPublic · See Remarks

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,835 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property tax — 2025 actual bill$192
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $95,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $95,000
Interest rate6.00%
Loan term

Estimated payment

$5,835/mo

Principal & interest$5,126
PMI (est., until 20% equity)$356
Property taxes (actual bill)$192
Est. insurance$160

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.

List $950K
$367KedgeAI estimate $476,141 · range $383K$584K$988K

vs edgeAI estimate

+99.5%

$/sqft vs N/A

$533 vs $288

Days on market

11 vs 33 typical

Where $533/sqft sits among the 227 homes for sale in N/A

116
57
26 · this home
9
3
16
$133–289$289–445$445–601$601–757$757–913$913+

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

Map of 5845 LAKE LIZZIE DRIVE

Drive times from this address

Universal Orlando39 min
Walt Disney World40 min
Orlando Int’l Airport (MCO)40 min
Downtown Orlando40 min

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

110 of 227

N/A have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 124% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

Jul 14, 2026Listed at $950,000 · 11 days on market since
1990Built · N/A

Reality check

What actually sold near 5845 LAKE LIZZIE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12112 CR 727Sold · Dec ’25

$375,000

12112 CR 727 · same community

3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 DOM

29655 SE 152ND (RAVENSWOOD) PLACESold · Dec ’25

$485,000

29655 SE 152ND (RAVENSWOOD) PLACE · same community

3 bd · 2 ba · 1,800 sqft · $269/sqft · 10 DOM

2103 NW 142ND AVENUESold · Dec ’25

$388,750

2103 NW 142ND AVENUE · same community

3 bd · 2 ba · 1,728 sqft · $225/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5845 LAKE LIZZIE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5845 LAKE LIZZIE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

5845 LAKE LIZZIE DRIVE FAQs

What would the monthly payment be for 5845 LAKE LIZZIE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,835/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 5845 LAKE LIZZIE DRIVE?+

The most recent tax bill on record (2025) was $2,308. 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 $950,000, this home is listed about 124% 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 5845 LAKE LIZZIE DRIVE?+

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.

Listing courtesy of NORKIS & CO REALTY · Jose Santana Feliciano. MLS #O6421494.

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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