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Overview

4 bd2 ba1,650 sqft2 car garageSingle Family
TypeSingle Family
HOA$467.77/yr
Built2003
Lot12,763 sqft
Living area1,650 sqft
Price / sqft$224
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsPrivate MailboxSidewalkDishwasherDisposalMicrowaveRange

1019 Chamberlin Trl is a 2003-built home in Indian Lakes, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,650 square feet of living space. Listed at $369,999 (about $224/sqft), 138 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $467.77 semi-annually.

From the listing

Virtually Staged. Welcome to 1019 Chamberlin Trail in St. Cloud in the highly sought-after neighborhood of Indian Lakes — a wonderful place to call home! This spacious 4-bedroom, 2-bath home offers 1,650 square feet of comfortable living space with room for everyone to spread out and enjoy. Situated on a corner lot, there’s extra outdoor space for playing, relaxing, gardening, or hosting weekend get-togethers on the large screened-in patio. Inside, the home has new flooring and appliances already in place, making moving in easy. Big-ticket updates including a 2019 roof and 2020 A/C add peace of mind for your family. Conveniently located with quick access to the Florida Turnpike, you’ll be close to schools, shopping, dining, and all the fun Central Florida attractions have to offer while still enjoying the charm of St. Cloud living. This home is ready for new memories to be made! Don't wait - schedule a showing today.

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The essentials

Built
2003
Price / sqft
$224
On market
138 days
Annual tax
$5,545
HOA
$467.77/yr
Flood zone
X · Low risk
Lot
12,763 sqft
Type
Single Family Residence

At a glance

Single family
Built 2003
2 car garage
Garage Door Opener
0.29 acres
Lot size
1,650 sqft
Living area

Payment

Est. monthly payment
$2,616/mo
Down payment (20%)
$74,000
Property taxes
$462/mo
HOA
$467.77/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
12,763 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Days on Market
138
Ceiling Fans(s)
High Ceilings
Private Mailbox
Sidewalk
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Michigan Avenue Elem (K 5)
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$5,545
Parcel #
14-26-30-0028-0001-0310

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
Indian Lakes
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
12,763 sqft
Corner Lot
HOA
$467.77/yr
Kaitlin Marshall

Price history

Date
Event
Price
9/22/2026
Price change
Source: Stellar MLS #O6411019
$369,999-2.6%
$224/sqft
-
Price change
Source: Stellar MLS #O6411019
$379,999-5.0%
$230/sqft
5/26/2026
Listed for sale
Source: Stellar MLS #O6411019
$399,900
$242/sqft

Neighborhood

1019 Chamberlin Trl
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $369,999
$367,500 – $369,999
99.5% – 100% of listTops out right at the list price
80% of listList price
235 of the last 376 home closings in 34772 landed at this number or higher (63%). The median one sat 41 days before it went under contract, and this one is on day 138 after a $29,901 cut.

Sample: 376 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,616/mo
Principal & interest$1,930
Property taxes$462
Insurance$185
HOA$39
Down payment20% · $74,000
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%. HOA is the fee reported on the listing. 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

$369,999

$224 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,650 sq ft

Time on market

138 days

Year built

2003

Monthly payment

About $2,616/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,545 annual tax bill, insurance, and the $467.77/yr HOA fee.

HOA fee

$467.77/yr

Managed by Kaitlin Marshall.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Dawn GrigsbyListing data from Stellar MLS, MLS# O6411019.

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