$515,000
5820 Arboretum Street
St Cloud, FL 34771
Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Garage spaces
Flood zone
About this home
OWNER FINANCING AVAILABLE!!!!!! ---- One or more photo(s) has been virtually staged. Welcome to 5820 Arboretum St in St. Cloud, FL, featuring the desirable Hayden floor plan, a spacious all-concrete-block single-family home designed with comfort, functionality, and modern living in mind. This beautiful home offers 5 bedrooms and 3 bathrooms with an open-concept layout that maximizes living space. The kitchen overlooks the dining area and great room, creating an ideal setting for entertaining, and features a large island with bar seating, stone countertops, stainless steel appliances, and ample cabinet space. Sliding glass doors and generous windows bring in natural light and provide access to the covered lanai, perfect for enjoying Florida indoor-outdoor living. The first floor includes a flexible bonus room that can be used as a home office, den, playroom, or additional living area, along with a guest bedroom and full bathroom. Upstairs, the spacious primary suite offers a private en-suite bathroom and walk-in closet, while three additional bedrooms surround a versatile loft area, full bathroom, and conveniently located laundry room. The Hayden floor plan also includes smart home technology, allowing you to control key home features from your smart device whether you are home or away. Located in a growing St. Cloud community near Narcoossee Road, Lake Nona, Orlando International Airport, major highways, shopping, dining, and Central Florida attractions, this home offers excellent convenience and lifestyle value. Seller is offering Owner Financing, creating a unique opportunity for buyers seeking flexible financing options. Buyer and buyer’s agent should verify all information, including room sizes, square footage, HOA dues, taxes, zoning, school assignments, community information, financing terms, and availability. The property is being sold with an owner financing approach. Buyer is purchasing control of the holding trust that the property will be until the seller's loan is satisfied/paid off. Buyer enjoys all the benefits of home ownership, same as the title holder. Listing agent is available to explain numbers, structure, and protections Proof of funds is mandatory for the down payment + closing costs
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 history1 days on market
- Status: ActiveMay 30, 2026
- Listed$515,000May 30, 2026
- Price increased$515,000
Virtual Tour
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Subdivision
- Prairie Oaks
- County
- Osceola
- Year built
- 2024
- Living area
- 2,601 sq ft
- Price/sq ft
- $198
- Building area
- 3,118 sq ft (Builder)
- Lot size
- 6,098 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- A (12097C0115G)
- Garage
- 2 spaces
- Annual taxes
- $6,265 (2025)
- Parcel #
- 22-25-31-4751-0001-1910
- Zoning
- RES
- MLS #
- O6412182
Interior Details
- Bedrooms
- 5
- Full bathrooms
- 3
- Flooring
- Carpet, Tile
- Appliances
- Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Kitchen Reverse Osmosis System, Microwave, Range Hood, Refrigerator, Washer, Water Filtration System
- Interior features
- Built-in Features, Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Stone Counters, Thermostat, Walk-In Closet(s)
- Laundry
- Laundry Room
- Stories / Levels
- Two
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $180 / Monthly
- Monthly HOA
- $180/mo
- Total monthly fees
- $180/mo
- Total annual fees
- $2,160
- HOA name
- Empire Management Group, Inc.
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 7 Months
- Listing terms
- Owner Financing
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer and/or Buyer's agent responsible to review with HOA directly
Exterior & Construction
- Exterior features
- None
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Available, Phone Available, Sewer Connected, Underground Utilities, Water Available
Community
- Pets allowed
- Breed Restrictions, Cats OK, Dogs OK, Yes
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Kitchen | First | 11.3x13.6 |
| Dining Room | First | 11.3x10.2 |
| Living Room | First | 15.1x15.4 |
| Bedroom 2 | First | 11.8x10.8 |
| Den | First | 12x11.4 |
| Primary Bedroom | Second | 13x20 |
| Bedroom 3 | Second | 12.4x11.4 |
| Bedroom 4 | Second | 11x11.8 |
| Bedroom 5 | Second | 11x11.8 |
| Loft | Second | 11x12 |
Listing Details
- Listing date
- 2026-05-30
- On market date
- 2026-05-30
- Original list price
- $515,000
- Occupant type
- Owner
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Osceola
- Status changed
- 2026-05-30
- Tax legal description
- PRAIRIE OAKS PB 31 PGS 166-172 LOT 191
Flood risk
FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Orlando, take FL-408 E to FL-417 S and exit at Narcoossee Rd / CR-15, Exit 22. Turn left onto Narcoossee Rd, then left onto Jack Brack Rd. Turn right onto Silver Maple Dr, left onto Timber Meadow Way, and continue into the community toward 5820 Arboretum St, St. Cloud, FL 34771.
More homes like this
$399,990
5745 Wallis Ln
St Cloud, FL 34771
4 bd · 2 ba · 1,724 sqft
Prairie Oaks
MLS# TB8453389
$399,999
5808 Arboretum St
St Cloud, FL 34771
4 bd · 3 ba · 1,830 sqft
Prairie Oaks
MLS# O6383289
$419,000
1177 Fox Hedge Ln
St Cloud, FL 34771
4 bd · 2 ba · 1,767 sqft
Prairie Oaks
MLS# S5136265
$429,000
1225 Fox Hedge Ln
St Cloud, FL 34771
4 bd · 2 ba · 1,600 sqft
Prairie Oaks
MLS# O6403965
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 6:47 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.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA