3650 Lake Tohopekaliga Rd, photo 1
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Overview

0 baLand
TypeLand
HOANone listed
Lot492,228 sqft

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About this home

Golf Carts OKHorses Allowed

3650 Lake Tohopekaliga Rd is a home in Acreage & Unrec, St Cloud. Flood zone X, AE - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Quite Possibly the BEST LAKEFRONT LOT available in Osceola County, offering 11.3 Acres on Lake Tohopekaliga! The lake covers approximately 20,000 Acres and is about 42 miles in circumference, making ”Big” Lake Tohopekaliga the largest lake in Osceola County and one of the largest lakes in Florida! It boasts some of the best bass fishing in the country - in fact hosting the BassMasters’ tournament and consistently producing record breaking catches. This unique property has 480 linear feet of frontage on “Lake Toho,” beautiful, mature oaks, cleared land, and is currently being used as agricultural - pastureland for cattle. Zoning is Mixed Use, making this particular parcel prime for many types of development ideas. The chain of lakes it is part of includes Lake Tohopekaliga, East Lake Tohopekaliga, Lake Cypress, and Lake Hatchineha, along with other smaller lakes that provide a unique, extensive waterway for a great day of fun on the water. As a bonus, there is an old farm house on the property, with 4 bedrooms and 1 and 1/2 bathrooms, a carport and a shed. Though it is an older home, some of the big items have been replaced in recent years, such as the New Metal Roof in 2011, New Septic in 2005, (cleaned in Feb this year), New Hot Water Heater 2013, and Re-Plumbed in 2007. For the right person, this could be updated to an amazing piece of the local history, or, you might want to live in it while you build your new dream home. There are screened porches upstairs and downstairs, that wrap the front of the home, where you can enjoy the amazing lake view, while relaxing on a rocking chair with your beverage of choice, watching deer, turkey, sandhill cranes, fox squirrels, and of course, if you choose, cattle and horses. The old fashioned “shotgun” style of the home takes full advantage of the breeze off the lake, and provides a flow of nice air through the house. This is a most unique and beautiful property with so many possibilities, that will no doubt prove to be a wise investment in the future.

The essentials

On market
546 days
Annual tax
$2,258
Flood zone
X, AE · Low risk
Lot
492,228 sqft
Type
Land

At a glance

Land
Waterfront
Lake Front
11.30 acres
Lot size

Payment

Est. monthly payment
$18,465/mo
Down payment (20%)
$639,580
Property taxes
$188/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Land
Year Built
-
Lot
492,228 sqft
Cooling
-
Heating
-
Parking
-
Waterfront
Lake Front, Lake Privileges
Days on Market
546
Golf Carts OK
Horses Allowed
Flood Zone X, AE
Annual Tax (2024)
$2,258
Parcel #
32-26-30-0000-0052-0000

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Acreage & Unrec
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
492,228 sqft
ClearedIn CountyLevelOversized LotPastureZoned for Horses

Price history

Date
Event
Price
10/8/2026
Price change
Source: Stellar MLS #O6300429
$3,197,900-15.5%
4/11/2025
Listed for sale
Source: Stellar MLS #O6300429
$3,785,500

Neighborhood

3650 Lake Tohopekaliga Rd
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Calculator

Est. monthly payment
$18,465/mo
Principal & interest$16,678
Property taxes$188
Insurance$1,599
Down payment20% · $639,580
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$3,197,900

Time on market

546 days

Monthly payment

About $18,465/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,258 annual tax bill, insurance.

Flood zone

Zone X, AE

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Have another question?

Brokered byWEICHERT REALTORS HALLMARK PROListing agent: Janine WootenListing data from Stellar MLS, MLS# O6300429.

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