5365 SHADY OAK CIRCLE, ST CLOUD, FL, 34771
Active12 days on marketListed Sep 9, 2026MLS #S5156171
About this home
5365 SHADY OAK CIRCLE
Virtually Staged. WATERFRONT FLORIDA LIVING! Located in beautiful Majestic Oaks, welcome home to this spacious canal-front property offering the perfect combination of comfortable living and the outdoor lifestyle Florida is known for. From your own backyard, enjoy direct access to Lake Ajay, Fells Cove and East Lake Tohopekaliga, at the private dock and covered boat lift—making it easy to spend the day boating, fishing, or simply relaxing by the canal. Inside the home features a bright, open layout with soaring ceilings, architectural details, split floor plan, a spacious kitchen with abundant cabinetry and counter space, with plenty of room for entertaining. The primary suite offers a large bath with dual vanities, soaking tub, separate walk-in shower and generous walk-in closet. You have your own private access to the pool from the primary with still offering access for guests through the living room doors. Additional features include spacious bedrooms and an indoor laundry room with utility sink and storage. Step outside and you'll quickly see what makes this property special. The screened-in heated pool and expansive covered lanai create an ideal space for year-round entertaining, dining and relaxing. Conveniently located near Lake Nona, Medical City, Orlando International Airport, and Shopping. This home is all about embracing the Florida lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,419
Sqft
0.51 ac
Lot size
3
Garage
2004
Year built
One
Levels
$304
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.
$5,036 /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
$5,036/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.
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
+18%
$/sqft vs MAJESTIC OAKS
$304 vs $214
Days on market
12 vs 47 typical
Where $304/sqft sits among the 6 homes for sale in MAJESTIC OAKS
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)
2 of 6
MAJESTIC OAKS have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 79% 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 5365 SHADY OAK CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$309,905
5920 SW 88TH PLACE · same community
3 bd · 2 ba · 2,374 sqft · $131/sqft · 107 DOM
Sold · May ’26$538,000
5374 CROOKED OAK CIRCLE · same community
3 bd · 2 ba · 2,311 sqft · $233/sqft · 24 DOM
Sold · Oct ’25$356,500
5605 SW 89TH STREET · same community
3 bd · 2 ba · 2,309 sqft · $154/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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5365 SHADY OAK CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5365 SHADY OAK CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5365 SHADY OAK CIRCLE FAQs
What would the monthly payment be for 5365 SHADY OAK CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,036/mo — principal and interest, the actual property-tax bill, the $83/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 5365 SHADY OAK CIRCLE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5365 SHADY OAK CIRCLE?+
The most recent tax bill on record (2025) was $6,621. 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 5365 SHADY OAK CIRCLE?+
The listing reports pets: Cats OK, Dogs OK, 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 $735,000, this home is listed about 71% 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 5365 SHADY OAK CIRCLE?+
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
$735,000 runs 79% above the ST CLOUD 34771 median — but at 2,419 sqft it's also 22% 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 LEGACY REALTY OF CENTRAL FLORIDA LLC · Jolene Sheive. MLS #S5156171.
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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