4946 LAZY OAKS WAY, ST CLOUD, FL, 34771
Active11 days on marketListed Sep 10, 2026MLS #O6440055
About this home
4946 LAZY OAKS WAY
Virtually Staged. A premium .24 ACRE POND LOT, flexible 4-BEDROOM, 3-BATH layout and beautifully updated interior make this single-story East Lake Cove home an easy standout! The NEWER ROOF (2022), LUXURY VINYL PLANK FLOORING THROUGHOUT, modern FANS & FIXTURES, and a fresh neutral color palette create a light and bright feel from the moment you step inside. A double glass-inset front entry fills the foyer with natural light, with formal living and dining spaces offering flexibility on either side. High ceilings lead into the spacious family room, opening seamlessly to the kitchen and casual dining area. TRIPLE SLIDING GLASS DOORS draw your eye outside and open to the covered, SCREENED LANAI, creating an effortless extension of the living space for relaxing or entertaining with a peaceful WATER VIEW. The well-appointed kitchen features GRANITE COUNTERTOPS, timeless cabinetry topped with crown molding, STAINLESS STEEL APPLIANCES, a chic tiled backsplash, breakfast bar and pantry storage. Its central design creates an easy flow from the formal dining room through the casual dining area and into the family room. The 3-WAY SPLIT-BEDROOM FLOOR PLAN is another standout feature. Privately positioned at the back of the home, your PRIMARY SUITE delivers DUAL WALK-IN CLOSETS and a dedicated en-suite bath. On the opposite side of the home, bedroom two features en-suite access to a full pool bath with direct access to the lanai, ideal for guests, extended family or added privacy. Bedrooms three and four share a third full bath conveniently located between them. Outside, the screened lanai overlooks the spacious backyard, providing a comfortable spot to enjoy the premium setting, sweeping POND VIEWS and the Florida weather year-round. Zoned for "A" RATED SCHOOLS, East Lake Cove is a desirable GATED COMMUNITY offering green space, a playground, sports courts and a COMMUNITY DOCK on East Lake Toho. Convenient access to N Narcoossee Rd makes for an easy trip into Lake Nona for shopping, dining and everyday conveniences, with Kissimmee, local recreation and Central Florida attractions also within easy reach. With its generous single-story design, versatile layout, upgraded interior and inviting INDOOR/OUTDOOR LIVING, this home offers the space and flexibility to fit a variety of lifestyles. WELCOME HOME!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,604
Sqft
0.24 ac
Lot size
2
Garage
2003
Year built
One
Levels
$199
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.
$4,127 /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
$4,127/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
+3.2%
$/sqft vs St Cloud actives
$199 vs $217
Days on market
11 vs 47 typical
Where $199/sqft sits among the 400 St Cloud actives
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
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 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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 26% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4946 LAZY OAKS WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$555,000
1914 BIG CYPRESS DRIVE · same community
5 bd · 3 ba · 2,734 sqft · $203/sqft · 36 DOM
Sold · Jul ’26$340,000
4915 LAZY OAKS WAY · same community
4 bd · 2 ba · 2,285 sqft · $149/sqft · 20 DOM
Sold · Jul ’26$400,000
4920 E LAKE COVE BOULEVARD · same community
4 bd · 2 ba · 2,006 sqft · $199/sqft · 88 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 4946 LAZY OAKS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4946 LAZY OAKS WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4946 LAZY OAKS WAY FAQs
What would the monthly payment be for 4946 LAZY OAKS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,127/mo — principal and interest, the actual property-tax bill, the $117/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 4946 LAZY OAKS WAY?+
The association fee works out to $117 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4946 LAZY OAKS WAY?+
The most recent tax bill on record (2025) was $6,776. 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 4946 LAZY OAKS WAY?+
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 $519,000, this home is listed about 21% 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 4946 LAZY OAKS WAY?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$519,000 runs 26% above the ST CLOUD 34771 median — but at 2,604 sqft it's also 31% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Harmony Community School, Harmony High School, Narcoossee Middle School — Harmony Community School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6440055.
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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