5133 CHICKADEE STREET, ST CLOUD, FL, 34771
Active4 days on marketListed Jul 18, 2026MLS #S5153861
About this home
5133 CHICKADEE STREET
Experience the perfect blend of style, comfort, and waterfront living in this beautifully maintained 4-bedroom, 3-bathroom home located in the highly sought-after Live Oak Lake community. Perfectly positioned on a premium pond-front homesite, this home offers peaceful water views, an open-concept design, and a thoughtfully designed layout ideal for everyday living and entertaining. Step inside to discover a bright and spacious living area featuring elegant tray ceilings, abundant natural light, and seamless flow into the heart of the home. The gourmet kitchen is designed to impress with granite countertops, stainless steel appliances, rich wood cabinetry, a stylish tile backsplash, a large center island with bar seating, and a generous dining area—making it the perfect space for gathering with family and friends. Designed with flexibility in mind, this home features two private primary suites, making it ideal for multigenerational living, extended guests, or anyone seeking additional privacy. The main primary suite serves as a relaxing retreat complete with tranquil pond views, a spacious walk-in closet, and a luxurious en-suite bathroom featuring dual vanities and a large walk-in shower. The second suite offers its own private full bath, creating a comfortable space for family or visitors. Step outside to your backyard oasis where you'll enjoy uninterrupted pond views and plenty of space to relax, grill, or entertain while taking in the peaceful waterfront setting. Whether you're enjoying your morning coffee on the patio or winding down after a long day, the serene backdrop makes every moment feel like a retreat. Located in the amenity-rich Live Oak Lake community, residents enjoy convenient access to parks, walking trails, playgrounds, and are just minutes from Lake Nona, Medical City, the Florida Turnpike, Orlando International Airport, shopping, dining, and top-rated schools. Offering a rare combination of dual primary suites, beautiful water views, and a prime location, this exceptional home is ready to welcome its next owners.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,972
Sqft
0.17 ac
Lot size
2
Garage
2020
Year built
One
Levels
$203
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.
$3,168 /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
$3,168/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
−12.8%
$/sqft vs LIVE OAK LAKE PH 1
$203 vs $179
Days on market
4 vs 33 typical
Where $203/sqft sits among the 7 homes for sale in LIVE OAK LAKE PH 1
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
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)
5 of 7
LIVE OAK LAKE PH 1 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% 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 5133 CHICKADEE STREET
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$373,000
2130 BUR OAK BOULEVARD · same community
4 bd · 2 ba · 1,610 sqft · $232/sqft · 70 DOM
Sold · Apr ’26$400,000
5225 CHICKADEE STREET · same community
3 bd · 2 ba · 1,341 sqft · $298/sqft · 126 DOM
Sold · Apr ’26$342,000
1445 BEECHWOOD DRIVE
3 bd · 2 ba · 1,939 sqft · $176/sqft · 106 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 5133 CHICKADEE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5133 CHICKADEE STREET — 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
5133 CHICKADEE STREET FAQs
What would the monthly payment be for 5133 CHICKADEE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,168/mo — principal and interest, the actual property-tax bill, the $107/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 5133 CHICKADEE STREET?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5133 CHICKADEE STREET?+
The most recent tax bill on record (2025) was $4,435. 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 5133 CHICKADEE STREET?+
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 $400,000, this home is listed about 6% 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 5133 CHICKADEE STREET?+
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
01Under the ST CLOUD 34771 market on paper
$400,000 is 6% below the ST CLOUD 34771 median of $424,990, and at $203/sqft it sits under the St Cloud average of $236.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5153861.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 5133 CHICKADEE STREET but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →