1803 Charles Court, photo 1
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Overview

4 bd4 ba2,671 sqft4 car garageSingle Family
TypeSingle Family
HOA$241/qtr
Built2005
Lot30,492 sqft
Living area2,671 sqft
Price / sqft$280
Garage4 car

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

About this home

Ceiling Fans(s)Dry BarEat-in KitchenHigh CeilingsOpen FloorplanWalk-in Closet(s)French DoorsStreet Lights

1803 Charles Court is a 2005-built home in Northshore, St Cloud. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,671 square feet of living space. Listed at $749,000 (about $280/sqft), 61 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $241 quarterly.

From the listing

Step inside the foyer and experience a light-filled, open floor plan designed for effortless living and entertaining. The expansive family room flows seamlessly into the gourmet kitchen, featuring stainless steel appliances, quartz countertops, oversized cabinetry with abundant storage, and a cozy breakfast nook—perfect for morning coffee or casual dining. Elegant French doors open to your private backyard oasis, where the screened lanai offers plenty of room to relax in the shade, soak up the sun, or entertain guests poolside. The spacious primary suite provides a peaceful retreat, with room for a king-sized bed and a beautifully appointed ensuite featuring dual vanities, a step-in shower, and a relaxing soaking tub. Bedrooms two and three have generous space and walk-in closets, providing comfort and ample storage for family or guests. The property also features an attached, air-conditioned garage, plus an oversized detached garage with abundant storage and additional parking. Both garage doors are heavily insulated and have UV protective windows. Above the detached garage, you’ll find a versatile mother-in-law suite complete with a kitchenette, private bedroom, full bathroom, and walk-in closet—ideal for extended family, guests, a home office, or additional living space. Located in desirable Northshore, residents enjoy exclusive access to Lake Lizzie, part of the beautiful Alligator Chain of Lakes. With a private community dock and boat ramp, you’ll have endless opportunities for boating, fishing, and enjoying Florida’s waterfront lifestyle. This exceptional property offers the perfect combination of spacious living, resort-style outdoor enjoyment, versatile guest accommodations, and exclusive lake access—all in one incredible home.

The essentials

Built
2005
Price / sqft
$280
On market
61 days
Annual tax
$6,932
HOA
$241/qtr
Flood zone
X · Low risk
Lot
30,492 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Private pool
In Ground
4 car garage
Boat
0.70 acres
Lot size
2,671 sqft
Living area

Payment

Est. monthly payment
$4,938/mo
Down payment (20%)
$149,800
Property taxes
$578/mo
HOA
$241/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
30,492 sqft
Cooling
Central Air, Mini-Split Unit(s)
Heating
Central
Parking
Boat, Covered, Garage Door Opener, Golf Cart Parking, Guest, Off Street
Pool
In Ground, Salt Water, Screen Enclosure
Days on Market
61
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
High Ceilings
Open Floorplan
Walk-in Closet(s)
French Doors
Street Lights
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,932
Parcel #
02-26-31-4433-0001-0780

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
Northshore
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
30,492 sqft
ClearedCul-De-SacLandscapedOversized LotPaved
HOA
$241/qtr
Shari Toler with Sentry Management

Price history

Date
Event
Price
8/10/2026
Listed for sale
Source: Stellar MLS #S5155317
$749,000
$280/sqft

Neighborhood

1803 Charles Court
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $749,000
$745,000 – $749,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 474 home closings in 34771 landed at this number or higher (64%). The median one sat 36 days before it went under contract, and this one is on day 61.

Sample: 474 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
$4,939/mo
Principal & interest$3,906
Property taxes$578
Insurance$375
HOA$80
Down payment20% · $149,800
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

$749,000

$280 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,671 sq ft

Time on market

61 days

Year built

2005

Monthly payment

About $4,938/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,932 annual tax bill, insurance, and the $241/qtr HOA fee.

HOA fee

$241/qtr

Managed by Shari Toler with Sentry Management.

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 byTIE TEAM REALTY LLCListing agent: Lydia MorrisonListing data from Stellar MLS, MLS# S5155317.

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