3650 LAKE TOHOPEKALIGA ROAD, ST CLOUD, FL, 34772
Active542 days on marketListed Apr 16, 2025MLS #O6300429
About this home
3650 LAKE TOHOPEKALIGA ROAD
Quite Possibly the BEST LAKEFRONT LOT available in Osceola County, offering 11.3 Acres on Lake Tohopekaliga! The lake covers approximately 20,000 Acres and is about 42 miles in circumference, making ”Big” Lake Tohopekaliga the largest lake in Osceola County and one of the largest lakes in Florida! It boasts some of the best bass fishing in the country - in fact hosting the BassMasters’ tournament and consistently producing record breaking catches. This unique property has 480 linear feet of frontage on “Lake Toho,” beautiful, mature oaks, cleared land, and is currently being used as agricultural - pastureland for cattle. Zoning is Mixed Use, making this particular parcel prime for many types of development ideas. The chain of lakes it is part of includes Lake Tohopekaliga, East Lake Tohopekaliga, Lake Cypress, and Lake Hatchineha, along with other smaller lakes that provide a unique, extensive waterway for a great day of fun on the water. As a bonus, there is an old farm house on the property, with 4 bedrooms and 1 and 1/2 bathrooms, a carport and a shed. Though it is an older home, some of the big items have been replaced in recent years, such as the New Metal Roof in 2011, New Septic in 2005, (cleaned in Feb this year), New Hot Water Heater 2013, and Re-Plumbed in 2007. For the right person, this could be updated to an amazing piece of the local history, or, you might want to live in it while you build your new dream home. There are screened porches upstairs and downstairs, that wrap the front of the home, where you can enjoy the amazing lake view, while relaxing on a rocking chair with your beverage of choice, watching deer, turkey, sandhill cranes, fox squirrels, and of course, if you choose, cattle and horses. The old fashioned “shotgun” style of the home takes full advantage of the breeze off the lake, and provides a flow of nice air through the house. This is a most unique and beautiful property with so many possibilities, that will no doubt prove to be a wise investment in the future.
Facts & features
The home at a glance
11.3 ac
Lot size
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.
$18,803 /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
$18,803/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.
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 701% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3650 LAKE TOHOPEKALIGA ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$450,000
740 STONER ROAD · same community
3 bd · 1 ba · 850 sqft · $529/sqft · 5 DOM
Sold · May ’26$235,000
2323 STATE ROAD 33 · same community
3 bd · 1 ba · 1,104 sqft · $213/sqft · 18 DOM
Sold · Dec ’25$116,000
5131 W 11TH STREET W · same community
2 bd · 2 ba · 1,152 sqft · $101/sqft · 113 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 3650 LAKE TOHOPEKALIGA ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3650 LAKE TOHOPEKALIGA ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3650 LAKE TOHOPEKALIGA ROAD FAQs
What would the monthly payment be for 3650 LAKE TOHOPEKALIGA ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $18,803/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 3650 LAKE TOHOPEKALIGA ROAD?+
The most recent tax bill on record (2024) was $2,258. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $3,197,900, this home is listed about 645% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3650 LAKE TOHOPEKALIGA ROAD?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$3,197,900 runs 701% above the ST CLOUD 34772 median.
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
542 days on market against a St Cloud median of 65 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $3,785,500, now $3,197,900 — a $588K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Janine Wooten. MLS #O6300429.
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 3650 LAKE TOHOPEKALIGA ROAD 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 Iain to ping you on any price or status change →