5098 Starling Bird Lane, photo 1
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Overview

4 bd3 ba1,913 sqft2 car garageSingle Family
TypeSingle Family
HOA$115/mo
Built2026
Lot3,740 sqft
Living area1,913 sqft
Price / sqft$196
Garage2 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
THE LANDING'S AT LIVE OAK
Type
Single Family Residence

True monthly carry

HOA
~$115/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

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11-month inspection

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Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPest Guard SystemPrimarybedroom UpstairsSplit BedroomStone Counters

5098 Starling Bird Lane is a 2026-built home in The Landing's At Live Oak, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,913 square feet of living space. Listed at $374,890 (about $196/sqft), 24 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $115 monthly.

From the listing

Explore The Landings at Live Oak Lake, a new single-family home community blending city charm with a distinct identity, all without a CDD. Situated between downtown St. Cloud and Lake Nona, it offers private amenities such as a pool & cabana, playground, trails, and playfield amidst serene ponds and conservation homesites. Introducing the Haddock bungalow, a brand-new home that combines modern design and ultimate comfort. This home includes 4 spacious bedrooms, 2 full bathrooms, a powder room, a covered lanai, and a 2-car rear-load detached garage. The heart of the home is the open-concept kitchen, café, and gathering room, all bathed in natural light. This inviting space is perfect for both everyday living and entertaining. The kitchen boasts a large center island, a convenient storage pantry, and top-of-the-line Whirlpool stainless steel appliances—including a vented microwave and refrigerator. Elkins white cabinetry, a decorative tile backsplash, and quartz countertops complete the sophisticated look. For added convenience, the first floor includes a powder room and coat closet. Upstairs, you’ll find the private owner’s suite with its own attached bathroom, three additional bedrooms, a second full bathroom, and the laundry room. The owner’s suite is a true retreat, featuring a walk-in closet and a luxurious en suite bathroom with a glass-enclosed shower, quartz-topped dual vanity, private water closet, and linen closet. Tile flooring spans the entire first floor, all bathrooms, and laundry room. Plush, stain-resistant Shaw carpet covers the stairs and bedrooms, adding comfort and style. Smart home features include a smart thermostat, a smart doorbell, and additional LED downlights—ensuring your home is as connected as it is stunning. For added convenience from day one, this home comes complete with 2" faux wood blinds, as well as a washer and dryer! This new construction home perfectly blends luxury, convenience, and modern design, making it the ideal place to live and unwind.

The essentials

Built
2026
Price / sqft
$196
On market
24 days
Annual tax
$859
HOA
$115/mo
Flood zone
X · Low risk
Lot
3,740 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Alley Access
3,740 sqft lot
Lot size
1,913 sqft
Living area

Payment

Est. monthly payment
$2,329/mo
Down payment (20%)
$74,978
Property taxes
$72/mo
HOA
$115/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
3,740 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Alley Access, Driveway, Garage Door Opener, Garage Faces Rear
Days on Market
24
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Pest Guard System
Primarybedroom Upstairs
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Lighting
Sidewalk
Community Mailbox
Playground
Pool
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Hickory Tree Elem
Middle
Harmony Middle
High
Harmony High

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

Flood Zone X
Annual Tax (2025)
$859
Parcel #
08-26-31-0128-0001-0640

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
The Landing's At Live Oak
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
3,740 sqft
ClearedLandscapedSidewalkPaved
HOA
$115/mo
The Landing's at Live Oak Homeowner's Association

Price history

Date
Event
Price
10/17/2026
Price change
Source: Stellar MLS #O6444251
$374,890-3.8%
$196/sqft
-
Price change
Source: Stellar MLS #O6444251
$389,890-2.5%
$204/sqft
9/23/2026
Listed for sale
Source: Stellar MLS #O6444251
$399,890
$209/sqft

Neighborhood

5098 Starling Bird Lane
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $374,890
$372,500 – $374,890
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 469 home closings in 34771 landed at this number or higher (65%). The median one sat 37 days before it went under contract, and this one is on day 24 after a $25,000 cut.

Sample: 469 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
$2,329/mo
Principal & interest$1,955
Property taxes$72
Insurance$187
HOA$115
Down payment20% · $74,978
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

$374,890

$196 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,913 sq ft

Time on market

24 days

Year built

2026

Monthly payment

About $2,329/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $859 annual tax bill, insurance, and the $115/mo HOA fee.

HOA fee

$115/mo

Managed by The Landing's at Live Oak Homeowner's Association.

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 byPULTE REALTY OF NORTH FLORIDA LLCListing agent: Adrienne EscottListing data from Stellar MLS, MLS# O6444251.

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