$899,000
1190 Sugar Belt Drive
St Cloud, FL 34771
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Experience country elegance and modern craftsmanship in this custom-built farmhouse on a full acre—no HOA, no water or sewer bills, and every upgrade you could dream of. Constructed with solid concrete block, this 2004 residence offers 3,087 sq ft of heated living space (4,574 sq ft total under roof), wrapped in timeless curb appeal and thoughtful design. Inside you’ll find solid wood flooring, level 4 drywall finishes, and a chef’s kitchen featuring a gas cooktop, farmhouse sink, quartz counters, and views across the covered lanai to your screen-enclosed pool. The downstairs primary suite has been fully renovated with spa-style finishes, while upstairs you’ll find generous bedrooms, walk-in closets throughout, and abundant storage. Two oversized garages—one a 38’-deep workshop with bathroom and cabinetry, and the other a finished two-car bay with generator interlock—provide parking for up to six vehicles under roof, plus a circle drive in both the front and rear for guests and trailers. A detached, climate-controlled garden house/greenhouse/gym (340 sq ft) with power, water, and HVAC offers the perfect studio, gym, or creative retreat. This property has been meticulously maintained with 2020 roof, new porch roof and screen enclosure (2025), new submersible well pump (2025), new water heater (2022), HVAC (2017) with mini-split in master (2023), fresh paint (2024), and fully renovated kitchen and baths (2023-24). Enjoy your own well and septic, UV water-treatment system, fruit trees, and total privacy—just minutes from Lake Nona, Medical City, and SR 417. Just a short .8 mile walk or golf cart ride away is the Ralph V Chisolm Park along East Lake Toho, with mature oak trees, park benches, a boat ramp, and vibes you'll never want to leave. Good thing your house is just down the street! Bring your cars, boats, and big dreams—this is the CUSTOM farmhouse lifestyle you’ve been searching for, right here in St. Cloud. Zoned for Nova Lakes High School
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history52 days on market
- Status: ActiveApr 9, 2026
- Listed$950,000Apr 9, 2026
- Price reduced$899,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 52
- Subdivision
- Runnymede Oaks Unrec
- County
- Osceola
- Year built
- 2004
- Living area
- 3,087 sq ft
- Price/sq ft
- $291
- Building area
- 4,574 sq ft (Public Records)
- Lot size
- 43,560 sq ft
- Lot category
- 1 to less than 2
- Flood zone
- X
- Garage
- 6 spaces
- Pool
- Private pool
- Annual taxes
- $6,806 (2025)
- Parcel #
- 31-25-31-8000-0001-0560
- Zoning
- OAR1
- MLS #
- O6397601
Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Half bathrooms
- 2
- Flooring
- Carpet, Ceramic Tile, Wood
- Appliances
- Built-In Oven, Convection Oven, Cooktop, Dishwasher, Disposal, Exhaust Fan, Microwave, Water Filtration System, Water Softener
- Interior features
- Built-in Features, Ceiling Fans(s), Crown Molding, High Ceilings, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Walk-In Closet(s)
- Laundry
- Inside, Laundry Room
- Stories / Levels
- Two
- Direction faces
- East
- In-law suite
- Yes
Heating & Cooling
- Heating
- Central, Radiant Ceiling, Zoned
- Cooling
- Central Air
Parking
- Garage spaces
- 6
- Attached garage
- Yes
- Parking features
- Boat, Driveway, Garage Door Opener, Garage Faces Side, Ground Level, Guest, Oversized, Garage, Workshop in Garage
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 7 Months
- Listing terms
- Cash, Conventional, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Rain Gutters, Sidewalk
- Construction materials
- Block, Cement Siding
- Roof
- Shingle
- Foundation
- Slab
- Pool
- Private pool
- Road surface
- Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Well
- Utilities
- Cable Connected, Electricity Connected, Propane, Sprinkler Well
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 19x12 |
| Primary Bedroom | First | 14x14 |
| Bathroom 2 | Second | 14x11 |
| Bathroom 3 | Second | 14x11 |
| Bathroom 4 | Second | 18x12 |
| Workshop | First | 24x38 |
| Living Room | First | 14x14 |
| Studio | First | 11x12 |
Listing Details
- Listing date
- 2026-04-09
- On market date
- 2026-04-09
- Original list price
- $950,000
- Occupant type
- Owner
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-04-09
- Tax legal description
- RUNNYMEDE OAK UNREC TRACT 56 AKA RUNNYMEDE BLK 70 THE E 39 FT OF LOT 5 & ALL OF LOTS 6, 7 & 8 THEN THE N 15 FT OF THE E 30 FT OF LOT 12 & THE N 15 FT OF LOTS 9 & 11
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Narcoossee road south into st cloud right on old oak trail, house on left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
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.
Based on information submitted to the MLS GRID as of May 31, 2026 at 9:02 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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