
761 CHAMBERLIN TRAIL, ST CLOUD, FL, 34772
Active17 days on marketListed Sep 23, 2026MLS #S5157800
About this home
761 CHAMBERLIN TRAIL
Welcome to your move-in-ready dream home! This beautifully maintained four-bedroom, three-bathroom split-floorplan home is located directly on the lake and fully fenced, offering the perfect combination of comfort, thoughtful updates, privacy, and Florida outdoor living. With two spacious living areas, a dining room, and a convenient kitchenette, there is plenty of room for everyday living and entertaining. The home features durable vinyl flooring and tile throughout—no carpet! Large windows fill the home with an abundance of natural sunlight, while an intercom system throughout adds an extra touch of convenience. Peace of mind comes standard with over $25,000 invested in 2022 in Crimsafe Safe-S-Capes hurricane shutters for the entire home, providing added protection and confidence during hurricane season. Additional major updates include a 2022 roof, 2017 A/C, some new piping installed in 2024, and a pool tower replaced approximately six months ago. The salt maker was replaced in 2023. The updated kitchen is both stylish and functional, featuring granite countertops, white cabinetry, stainless steel appliances, a pantry, and a newer touchless kitchen faucet. The laundry room includes a washer, dryer, and utility sink, all of which convey with the home. All three bathrooms have been updated with granite countertops and freshly painted cabinetry. The spacious primary suite features vaulted ceilings, two walk-in closets, and French doors with built-in blinds that open directly to your backyard oasis. The primary bathroom offers two vanities, a large shower, a relaxing bathtub, and a private water closet. Step outside and enjoy the Florida lifestyle in your fully fenced backyard located directly on the lake! The outdoor space features a screened-in saltwater pool with a beautiful rock backdrop, creating the perfect setting for relaxing, entertaining, and enjoying the Florida sunshine. The spacious fenced yard also provides plenty of room for a swing set, pets, gardening, or simply enjoying the peaceful lakefront setting. The fourth bedroom includes its own pool bath, making it ideal for guests, visitors, or multi-generational living. A two-car garage provides additional storage and convenience. Located in a desirable community with low HOA dues and NO CDD, residents enjoy access to a community pool, tennis courts, playground, and an annual community party. Conveniently located just minutes from the Florida Turnpike, shopping, medical facilities, and everyday conveniences, with several beautiful Florida beaches less than an hour away. This home truly has all the bells and whistles—beautifully updated, thoughtfully maintained, lakefront, fully fenced, and ready for you to move right in!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,109
Sqft
0.23 ac
Lot size
2
Garage
2003
Year built
One
Levels
$218
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.
$3,295 /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
$3,295/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
−6.7%
$/sqft vs St Cloud actives
$218 vs $211
Days on market
17 vs 65 typical
Where $218/sqft sits among the 399 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 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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
224 of 399
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 15% 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 761 CHAMBERLIN TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$455,000
1622 CRAZY HORSE DR · same community
4 bd · 2 ba · 2,016 sqft · $226/sqft · 17 DOM
Sold · Jan ’26$425,000
1118 SENECA TRAIL · same community
4 bd · 3 ba · 1,970 sqft · $216/sqft · 36 DOM
Sold · Sep ’26$535,000
1447 CRAZY HORSE DRIVE · same community
4 bd · 3 ba · 1,947 sqft · $275/sqft · 3 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 761 CHAMBERLIN TRAIL — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 761 CHAMBERLIN TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
761 CHAMBERLIN TRAIL FAQs
What would the monthly payment be for 761 CHAMBERLIN TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,295/mo — principal and interest, the actual property-tax bill, the $78/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 761 CHAMBERLIN TRAIL?+
The association fee works out to $78 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 761 CHAMBERLIN TRAIL?+
The most recent tax bill on record (2025) was $1,748. 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 761 CHAMBERLIN TRAIL?+
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 $459,999, this home is listed about 7% 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 761 CHAMBERLIN TRAIL?+
Neptune Elementary School (elementary), St. Cloud High School (high), Neptune Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Rachel Santos. MLS #S5157800.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 761 CHAMBERLIN TRAIL but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask John to ping you on any price or status change →


