2615 HICKORY TREE ROAD, ST CLOUD, FL, 34772
Active315 days on marketListed Sep 12, 2025MLS #O6340804
About this home
2615 HICKORY TREE ROAD
NEW PRICE IMPROVEMENT! Rare Lakefront Opportunity on Live Oak Lake – 1.15 Acres | 161 Feet of Direct Lake Frontage | No Monthly HOA Fees | Possible Lot-Split Opportunity! Bring your vision and your builder—this oversized 1.15-acre LAKEFRONT LOT on the peaceful and private ski lake of Live Oak Lake is the perfect canvas for your dream home! Nestled among an exclusive community of lakefront estates, with 161 feet of direct frontage and sweeping east-facing WATERFRONT views, you’ll enjoy spectacular sunrises over the lake, endless recreational possibilities, and the freedom that comes with owning more than an acre of lakefront paradise, with NO monthly HOA fees! The generous lot dimensions (283 x 257 x 248 x 161 feet) provide ample room to design a custom residence complete with a resort-style pool, detached garage, boathouse, dock, or workshop—whatever fits your lifestyle. Neighboring million-dollar lakefront homes and lush natural shoreline truly make this lakefront oasis the ideal place to live out your "lake life!" Imagine mornings spent boating, fishing, or paddleboarding, followed by afternoons relaxing in your private lakefront retreat. Live Oak Lake is a 384-acre PRIVATE lake—a rare Central Florida gem—offering recreational boating and sport fishing in a tranquil setting. Zoned RS-1 for single-family use, the property may even offer the potential to SPLIT THE LOT (confirm with the City of St. Cloud)! Location is everything: this lot is just 5 minutes from charming Downtown St. Cloud, known for its brick streets, local shops, brewery, dining, and quaint lakefront park with beach, marina and restaurant. You’ll also be just 20 minutes from Orlando International Airport and Lake Nona Medical City, only 45 minutes from Downtown Orlando, and within easy reach of world-famous theme parks, attractions and beaches! Don’t miss this chance to secure one of the few remaining oversized lakefront lots in Central Florida—start planning your lakefront dream today at 2615 Hickory Tree Road!
Facts & features
The home at a glance
1.15 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.
$2,769 /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
$2,769/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.
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
$414K → $400K
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 4% 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 2615 HICKORY TREE ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$339,360
5182 GARDENROW DRIVE
2 bd · 2 ba · 1,322 sqft · $257/sqft · 45 DOM
Sold · Mar ’26$297,380
2759 BUCKEYE LANE
2 bd · 2 ba · 1,322 sqft · $225/sqft · 71 DOM
Sold · Sep ’25$358,200
5151 TWIN LAKES BOULEVARD
2 bd · 2 ba · 1,624 sqft · $221/sqft · 150 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
Chris Shouse
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2615 HICKORY TREE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2615 HICKORY TREE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Chris's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2615 HICKORY TREE ROAD FAQs
What would the monthly payment be for 2615 HICKORY TREE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,769/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 2615 HICKORY TREE ROAD?+
The most recent tax bill on record (2024) was $2,071. 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 2615 HICKORY TREE ROAD?+
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 $385,000, this home is listed about 9% 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 2615 HICKORY TREE ROAD?+
Hickory Tree Elementary School (elementary), St. Cloud 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
01Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
02Time on market is leverage
315 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $399,990, now $385,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GILKEY REAL ESTATE · Laura Romot. MLS #O6340804.
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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