123 RACHEL LIN LANE, ST CLOUD, FL, 34771
Active23 days on marketListed Jul 2, 2026MLS #O6421568
About this home
123 RACHEL LIN LANE
Virtually Staged. Welcome to 123 Rachel Lin Lane, a beautifully maintained home nestled in the sought-after gated community of East Lake Reserve. This spacious 3-bedroom, 2-bath residence offers over 2,000 square feet of thoughtfully designed living space on a generous quarter-acre homesite. NEW A/C!! NEWER ROOF - Under 2 years old! Step inside to discover an inviting open floor plan filled with natural light, featuring a spacious living area perfect for both everyday living and entertaining. The well-appointed kitchen offers ample cabinetry, generous counter space, and a seamless flow into the dining and family rooms. The split-bedroom layout provides added privacy, with a spacious primary suite featuring two walk-in closets and an en-suite bath designed for relaxation. Enjoy Florida living year-round from the covered lanai overlooking the oversized backyard, offering endless possibilities for outdoor entertaining, gardening, or even adding a future pool. Additional features include a 2-car garage, indoor laundry room, and mature landscaping. Residents of East Lake Reserve enjoy gated access, sidewalks, a playground, basketball court, and a private community dock on East Lake Tohopekaliga, where breathtaking sunsets await. Conveniently located just minutes from Lake Nona, Medical City, Orlando International Airport, major highways including SR-417 and the Florida Turnpike, shopping, dining, and top-rated schools, this home offers the perfect combination of comfort, convenience, and Central Florida living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,021
Sqft
0.25 ac
Lot size
2
Garage
2005
Year built
One
Levels
$213
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.
$3,211 /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
$3,211/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
−1.7%
$/sqft vs St Cloud actives
$213 vs $220
Days on market
23 vs 33 typical
Where $213/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 1% 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 123 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 · May ’26$399,515
5172 GOLDFINCH DRIVE
3 bd · 2.5 ba · 1,999 sqft · $200/sqft · 43 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 123 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 123 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
123 RACHEL LIN LANE FAQs
What would the monthly payment be for 123 RACHEL LIN LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,211/mo — principal and interest, the actual property-tax bill, the $82/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 123 RACHEL LIN LANE?+
The association fee works out to $82 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 123 RACHEL LIN LANE?+
The most recent tax bill on record (2025) was $2,964. 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 123 RACHEL LIN LANE?+
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 $430,000, this home is listed about 1% 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 123 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 HOMEVEST REALTY · Erica Diaz. MLS #O6421568.
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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