5098 STARLING BIRD LANE, ST CLOUD, FL, 34771
Active45 days on marketListed Sep 23, 2026MLS #O6444251
Come see it
Upcoming open houses
Sat, Nov 7
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sun, Nov 8
12:00 PM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sat, Nov 14
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sun, Nov 15
12:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sat, Nov 21
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sun, Nov 22
12:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sat, Nov 28
10:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
Sun, Nov 29
12:00 AM – 4:00 PM
We look forward to meeting you! Please check in at the Sales Office upon arrival. If you would like to view this home outside of open house hours, please contact us to schedule an appointment. For appointments, call 407-214-3008.
About this home
5098 STARLING BIRD LANE
Explore The Landings at Live Oak Lake, a new single-family home community blending city charm with a distinct identity, all without a CDD. Situated between downtown St. Cloud and Lake Nona, it offers private amenities such as a pool & cabana, playground, trails, and playfield amidst serene ponds and conservation homesites. Introducing the Haddock bungalow, a brand-new home that combines modern design and ultimate comfort. This home includes 4 spacious bedrooms, 2 full bathrooms, a powder room, a covered lanai, and a 2-car rear-load detached garage. The heart of the home is the open-concept kitchen, café, and gathering room, all bathed in natural light. This inviting space is perfect for both everyday living and entertaining. The kitchen boasts a large center island, a convenient storage pantry, and top-of-the-line Whirlpool stainless steel appliances—including a vented microwave and refrigerator. Elkins white cabinetry, a decorative tile backsplash, and quartz countertops complete the sophisticated look. For added convenience, the first floor includes a powder room and coat closet. Upstairs, you’ll find the private owner’s suite with its own attached bathroom, three additional bedrooms, a second full bathroom, and the laundry room. The owner’s suite is a true retreat, featuring a walk-in closet and a luxurious en suite bathroom with a glass-enclosed shower, quartz-topped dual vanity, private water closet, and linen closet. Tile flooring spans the entire first floor, all bathrooms, and laundry room. Plush, stain-resistant Shaw carpet covers the stairs and bedrooms, adding comfort and style. Smart home features include a smart thermostat, a smart doorbell, and additional LED downlights—ensuring your home is as connected as it is stunning. For added convenience from day one, this home comes complete with 2" faux wood blinds, as well as a washer and dryer! This new construction home perfectly blends luxury, convenience, and modern design, making it the ideal place to live and unwind.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,913
Sqft
0.09 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$196
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.
$3,086 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,086/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−9.8%
$/sqft vs St Cloud actives
$196 vs $211
Days on market
45 vs 53 typical
Where $196/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
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
206 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 7% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5098 STARLING BIRD LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$392,390
5036 HOLM OAK DRIVE · same community
4 bd · 2.5 ba · 1,913 sqft · $205/sqft · 225 DOM
Sold · Sep ’26$399,390
2142 MOSSY VINE AVENUE · same community
3 bd · 2.5 ba · 1,913 sqft · $209/sqft · 124 DOM
Sold · Oct ’26$374,990
5022 SHRUB LEAF ALLEY · same community
3 bd · 2.5 ba · 1,913 sqft · $196/sqft · 27 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5098 STARLING BIRD LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5098 STARLING BIRD LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5098 STARLING BIRD LANE FAQs
What would the monthly payment be for 5098 STARLING BIRD LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,086/mo — principal and interest, the actual property-tax bill, the $115/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 5098 STARLING BIRD LANE?+
The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5098 STARLING BIRD LANE?+
The most recent tax bill on record (2025) was $859. 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 5098 STARLING BIRD LANE?+
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 $374,890, this home is listed about 11% below the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 5098 STARLING BIRD LANE?+
Narcoossee Elementary School (elementary), Narcoossee 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
01Under the ST CLOUD 34771 market on paper
$374,890 is 7% below the ST CLOUD 34771 median of $404,995, and at $196/sqft it sits under the St Cloud average of $228.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $399,890, now $374,890 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6444251.
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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