5820 Arboretum Street, St Cloud, FL, 34771

Seller Financing

Address

5820 Arboretum Street, ST CLOUD, FL

Listing Type

Active

Price

$ 514,900

Your Agent

Alyson Swavely

Sales Associate / REALTOR®

330-284-1393

Property Attributes

MLS#O6412182
TypeSingle Family
Listing Status Active
CountyOsceola
CityST CLOUD
AreaSt Cloud (Magnolia Square)
NeighborhoodPRAIRIE OAKS
Zip34771
StyleSingle Family Residence
Year Built2024
Taxes$ 6264
Price$ 514,900
Bedrooms5
Full Bathrooms3
Half Bathrooms0
Sqr Footage2601
Lot Size0.14 Acres

Data Source:

Stellar MLS

Property Description

OWNER FINANCING AVAILABLE!!!!!! ---- One or more photo(s) has been virtually staged. Welcome to 5820 Arboretum St in St. Cloud, FL, featuring the desirable Hayden floor plan, a spacious all-concrete-block single-family home designed with comfort, functionality, and modern living in mind. This beautiful home offers 5 bedrooms and 3 bathrooms with an open-concept layout that maximizes living space. The kitchen overlooks the dining area and great room, creating an ideal setting for entertaining, and features a large island with bar seating, stone countertops, stainless steel appliances, and ample cabinet space. Sliding glass doors and generous windows bring in natural light and provide access to the covered lanai, perfect for enjoying Florida indoor-outdoor living. The first floor includes a flexible bonus room that can be used as a home office, den, playroom, or additional living area, along with a guest bedroom and full bathroom. Upstairs, the spacious primary suite offers a private en-suite bathroom and walk-in closet, while three additional bedrooms surround a versatile loft area, full bathroom, and conveniently located laundry room. The Hayden floor plan also includes smart home technology, allowing you to control key home features from your smart device whether you are home or away. Located in a growing St. Cloud community near Narcoossee Road, Lake Nona, Orlando International Airport, major highways, shopping, dining, and Central Florida attractions, this home offers excellent convenience and lifestyle value. Seller is offering Owner Financing, creating a unique opportunity for buyers seeking flexible financing options. Buyer and buyer’s agent should verify all information, including room sizes, square footage, HOA dues, taxes, zoning, school assignments, community information, financing terms, and availability. The property is being sold with an owner financing approach. Buyer is purchasing control of the holding trust that the property will be until the seller's loan is satisfied/paid off. Buyer enjoys all the benefits of home ownership, same as the title holder. Listing agent is available to explain numbers, structure, and protections Proof of funds is mandatory for the down payment + closing costs

Price History
5/30/2026	Listed $515,000
7/28/2026	Listed $514,900

General Features

Sewer	Public Sewer
Heating	Central
Cooling	Central Air
Utilities	Electricity Available,Phone Available,Sewer Connected,Solar,Street Lights,Underground Utilities,Water Available
Roof	Shingle
Appliances	Built-In Oven,Cooktop,Dishwasher,Dryer,Electric Water Heater,Exhaust Fan,Kitchen Reverse Osmosis System,Microwave,Range Hood,Refrigerator,Washer,Water Filtration System
Zoning	RES
HOA Fee	180
Garage Spaces	2
Construction Materials	Block,Stucco
Pets Allowed	Breed Restrictions,Cats OK,Dogs OK,Yes
Year Built	2024
Levels	Two
Property Subtype	Single Family Residence
Tax Year	2025
Ownership	Fee Simple
Assoc Fee Paid Per	Monthly
County	Osceola
New Construction	false
Property Type	Residential
Attached Garage	true
Subdivision Name	PRAIRIE OAKS
Facing Direction	North
Garage Y/N	true
Total Rooms	10
Full Baths	3
Status	Active
Directions	From Orlando, take FL-408 E to FL-417 S and exit at Narcoossee Rd / CR-15, Exit 22. Turn left onto Narcoossee Rd, then left onto Jack Brack Rd. Turn right onto Silver Maple Dr, left onto Timber Meadow Way, and continue into the community toward 5820 Arboretum St, St. Cloud, FL 34771.
City	ST CLOUD
Association Name	Empire Management Group, Inc.
Senior Community Y/N	false
MLS Area	34771 - St Cloud (Magnolia Square)
Lot Size Units	Square Feet
Lot Size Square Feet	6098
Carport Y/N	false
Listing Terms	Cash,Conventional,Owner May Carry
Land Lease Y/N	false
Tax Annual Amount	6264.78
Additional Parcels Y/N	false
Lease Considered Y/N	true
Virtual Tour	https://www.propertypanorama.com/instaview/stellar/O6412182
Building Area Units	Square Feet
Living Area Units	Square Feet
Builder Name	D.R. Horton
Standard Status	Active
Occupancy Type	Owner
Tax Lot	191
Legal Description	PRAIRIE OAKS PB 31 PGS 166-172 LOT 191
Minimum Lease	7 Months
Water Access Y/N	false
Monthly HOA Amount	180
Water View Y/N	false
Flood Zone Code	A
In Law Suite YN	false
DockY/N	false

Interior Features

Interior Amenities	Built-in Features,Eating Space In Kitchen,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,PrimaryBedroom Upstairs,Solid Surface Counters,Stone Counters,Thermostat,Walk-In Closet(s)
Flooring	Carpet,Tile
Furnished Y/N	Unfurnished
Total Stories	2
Air Conditioning Y/N	true
Heating Y/N	true
Fireplace Y/N	false
Laundry Features	Laundry Room
Total Bedrooms	5
LivingAreaSource	Builder
Total Baths	3

Exterior Features

Exterior Amenities	None
Water Source	Public
Lot Size Area	6098
Foundation Details	Slab
Building Area Total	3118
Lot Size Acres	0.14
Road Surface Type	Paved
Private Pool	false
Waterfront Y/N	false
Covered Spaces	2
Builder Model	Hayden