4934 LAZY OAK WAY, ST CLOUD, FL, 34771
Active5 days on marketListed Sep 16, 2026MLS #S5157778
About this home
4934 LAZY OAK WAY
Welcome to this beautiful 3-bedroom, 2-bathroom home located in a desirable gated community in St. Cloud, Florida. Featuring a spacious open floor plan, this home offers a comfortable and inviting layout perfect for everyday living and entertaining. The bright and airy living area flows seamlessly into the kitchen and dining space, creating an ideal gathering area for family and friends. The home features three comfortable bedrooms and two full bathrooms, providing plenty of space for residents and guests. Step outside and enjoy your own private pool, perfect for relaxing, entertaining, or enjoying the beautiful Florida weather year-round. Located within a gated community, residents can enjoy a peaceful residential setting while remaining conveniently close to shopping, restaurants, schools, major roads, and everything St. Cloud and Central Florida have to offer.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,686
Sqft
0.26 ac
Lot size
2
Garage
2003
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$182 /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
$182/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs St Cloud actives
$2 vs $217
Days on market
5 vs 47 typical
Where $2/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 99% 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 4934 LAZY OAK 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$325,000
5367 DOUGLAS FIR DRIVE
3 bd · 2 ba · 1,672 sqft · $194/sqft · 7 DOM
Sold · Nov ’25$390,000
940 VICENZA STREET
4 bd · 2 ba · 1,670 sqft · $234/sqft · 47 DOM
Sold · Dec ’25$375,000
171 SANDPINE COURT
3 bd · 2 ba · 1,745 sqft · $215/sqft · 112 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
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4934 LAZY OAK WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4934 LAZY OAK WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Elizabeth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4934 LAZY OAK WAY FAQs
What would the monthly payment be for 4934 LAZY OAK WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $182/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4934 LAZY OAK 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 $2,990, this home is listed about 99% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4934 LAZY OAK 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
Four things that matter here
01Under the ST CLOUD 34771 market on paper
$2,990 is 99% below the ST CLOUD 34771 median of $414,905, and at $2/sqft it sits under the St Cloud average of $236.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 5 days on market in a St Cloud market that averages 47 — if it fits, move quickly.
04Strong 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 DALTON WADE INC · Laritza Torres Martinez. MLS #S5157778.
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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