123 Rachel Lin Ln, photo 1
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Overview

3 bd2 ba2,021 sqft2 car garageSingle Family
TypeSingle Family
HOA$985/yr
Built2005
Lot11,064 sqft
Living area2,021 sqft
Price / sqft$208
Garage2 car

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Saturday, Oct 17 · 12:00 PM to 2:00 PM

About this home

Ceiling Fans(s)High CeilingsSplit BedroomVaulted Ceiling(s)Walk-in Closet(s)Window TreatmentsLightingPrivate Entrance

123 Rachel Lin Ln is a 2005-built home in East Lake Reserve At Narcoossee Unit 3, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,021 square feet of living space. Listed at $420,000 (about $208/sqft), 104 days on market. Flood zone X500 - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $985 annually.

From the listing

Virtually Staged. Welcome to 123 Rachel Lin Lane, a beautifully maintained home nestled in the sought-after gated community of East Lake Reserve. This spacious 3-bedroom, 2-bath residence offers over 2,000 square feet of thoughtfully designed living space on a generous quarter-acre homesite. NEW A/C!! NEWER ROOF - Under 2 years old! Step inside to discover an inviting open floor plan filled with natural light, featuring a spacious living area perfect for both everyday living and entertaining. The well-appointed kitchen offers ample cabinetry, generous counter space, and a seamless flow into the dining and family rooms. The split-bedroom layout provides added privacy, with a spacious primary suite featuring two walk-in closets and an en-suite bath designed for relaxation. Enjoy Florida living year-round from the covered lanai overlooking the oversized backyard, offering endless possibilities for outdoor entertaining, gardening, or even adding a future pool. Additional features include a 2-car garage, indoor laundry room, and mature landscaping. Residents of East Lake Reserve enjoy gated access, sidewalks, a playground, basketball court, and a private community dock on East Lake Tohopekaliga, where breathtaking sunsets await. Conveniently located just minutes from Lake Nona, Medical City, Orlando International Airport, major highways including SR-417 and the Florida Turnpike, shopping, dining, and top-rated schools, this home offers the perfect combination of comfort, convenience, and Central Florida living.

The essentials

Built
2005
Price / sqft
$208
On market
104 days
Annual tax
$2,964
HOA
$985/yr
Flood zone
X500 · Low risk
Lot
11,064 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
2 car garage
0.25 acres
Lot size
2,021 sqft
Living area

Payment

Est. monthly payment
$2,729/mo
Down payment (20%)
$84,000
Property taxes
$247/mo
HOA
$985/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
11,064 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
104
Ceiling Fans(s)
High Ceilings
Split Bedroom
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Entrance
Private Yard
Sidewalk
Street Lights
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Exhaust Fan
Microwave
Refrigerator
Washer
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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

Homestead exemption on file Flood Zone X500
Annual Tax (2025)
$2,964
Parcel #
19-25-31-3016-0001-1700

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
East Lake Reserve At Narcoossee Unit 3
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
11,064 sqft
HOA
$985/yr
Mark Hill - Assoc. Solutions of Central Florida

Price history

Date
Event
Price
8/17/2026
Price change
Source: Stellar MLS #O6421568
$420,000-2.3%
$208/sqft
7/2/2026
Listed for sale
Source: Stellar MLS #O6421568
$430,000
$213/sqft

Neighborhood

123 Rachel Lin Ln
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $420,000
$417,500 – $420,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 471 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 104 after a $10,000 cut.

Sample: 471 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,729/mo
Principal & interest$2,190
Property taxes$247
Insurance$210
HOA$82
Down payment20% · $84,000
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 includes any condo dues 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

$420,000

$208 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,021 sq ft

Time on market

104 days

Year built

2005

Monthly payment

About $2,729/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,964 annual tax bill, insurance, and the $985/yr HOA fee.

HOA fee

$985/yr

Managed by Mark Hill - Assoc. Solutions of Central Florida.

Flood zone

Zone X500

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

Offer

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Have another question?

Brokered byHOMEVEST REALTYListing agent: Erica DiazListing data from Stellar MLS, MLS# O6421568.

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