2360 LIVE OAK LAKE RD, ST CLOUD, FL, 34771
Active346 days on marketListed Aug 11, 2025MLS #S5132509
About this home
2360 LIVE OAK LAKE RD
Welcome to your own private paradise! Nestled on 17.13 stunning lakefront acres along the shores of Live Oak Lake, this rare and unique property offers the perfect blend of luxury, privacy, and functionality. With 1,075 feet of direct lake frontage, gorgeous mature trees, and plenty of space to roam, this is the ideal setting for those seeking a waterfront retreat, multigenerational living, or the ultimate homestead.The main home is a spacious 3-bedroom, 3-bathroom residence featuring an open floor plan, a cozy den, and a bonus room for added flexibility. The kitchen, dining, and living spaces flow seamlessly—perfect for entertaining or simply enjoying the serene views. Step outside to your custom-designed pool with a rock cave and waterfall, all just steps from the water’s edge. Additional features include a 14x46 carport, attached 2-car garage, and a detached 2-car garage with a convenient half bath—plenty of room for toys, tools, or extra vehicles.The second home offers 2 bedrooms and 2 bathrooms, with its own lakefront views and private utilities. Whether you're accommodating extended family, guests, or looking for income potential, this home adds flexibility and value to the property.The entire property is fenced with an electric gate, and each home is on its own well, septic system, and electric meter. A massive 30x85 enclosed shop completes the package—ideal for a workshop, business use, RV storage, or hobbyist space.If you're looking for space, peace, privacy, and breathtaking waterfront living just minutes from town, this property is calling your name. Don't miss the opportunity to own a one-of-a-kind lakefront estate like this!
Facts & features
The home at a glance
3
Bedrooms
3.5
Bathrooms
2,760
Sqft
17.16 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$1,377
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.
$22,700 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$22,700/mo
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.
$/sqft vs ACREAGE & UNREC
$1,377 vs $381
Days on market
346 vs 33 typical
Where $1,377/sqft sits among the 118 homes for sale in ACREAGE & UNREC
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)
42 of 118
ACREAGE & UNREC have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 794% 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 2360 LIVE OAK LAKE RD
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$902,500
16647 E SHIRLEY SHORES ROAD · same community
4 bd · 3 ba · 2,726 sqft · $331/sqft · 143 DOM
Sold · Nov ’25$650,000
5850 LAKE LIZZIE DRIVE · same community
4 bd · 3 ba · 2,639 sqft · $246/sqft · 18 DOM
Sold · Dec ’25$1,250,000
11619 LANE PARK ROAD · same community
5 bd · 4 ba · 2,964 sqft · $422/sqft · 238 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 2360 LIVE OAK LAKE RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2360 LIVE OAK LAKE RD — 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
2360 LIVE OAK LAKE RD FAQs
What would the monthly payment be for 2360 LIVE OAK LAKE RD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $22,700/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 2360 LIVE OAK LAKE RD?+
The most recent tax bill on record (2024) was $7,330. 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 2360 LIVE OAK LAKE RD?+
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 $3,800,000, this home is listed about 794% 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 2360 LIVE OAK LAKE RD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$3,800,000 runs 794% above the ST CLOUD 34771 median — but at 2,760 sqft it's also 40% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
346 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of TIE TEAM REALTY LLC · Tawnie McMorrow. MLS #S5132509.
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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