761 Chamberlin Trl, photo 1
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Overview

4 bd3 ba2,109 sqft2 car garageSingle Family
TypeSingle Family
HOA$936/yr
Built2003
Lot10,000 sqft
Living area2,109 sqft
Price / sqft$218
Garage2 car

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Open house

Saturday, Oct 17 · 11:00 AM to 1:00 PM

About this home

Ceiling Fans(s)Vaulted Ceiling(s)Walk-in Closet(s)Hurricane ShuttersRain GuttersSidewalkPlaygroundPool

761 Chamberlin Trl is a 2003-built home in Indian Lakes, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,109 square feet of living space. Listed at $459,999 (about $218/sqft), 30 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $936 annually.

From the listing

Welcome to your move-in-ready dream home! This beautifully maintained four-bedroom, three-bathroom split-floorplan home is located directly on the lake and fully fenced, offering the perfect combination of comfort, thoughtful updates, privacy, and Florida outdoor living. With two spacious living areas, a dining room, and a convenient kitchenette, there is plenty of room for everyday living and entertaining. The home features durable vinyl flooring and tile throughout—no carpet! Large windows fill the home with an abundance of natural sunlight, while an intercom system throughout adds an extra touch of convenience. Peace of mind comes standard with over $25,000 invested in 2022 in Crimsafe Safe-S-Capes hurricane shutters for the entire home, providing added protection and confidence during hurricane season. Additional major updates include a 2022 roof, 2017 A/C, some new piping installed in 2024, and a pool tower replaced approximately six months ago. The salt maker was replaced in 2023. The updated kitchen is both stylish and functional, featuring granite countertops, white cabinetry, stainless steel appliances, a pantry, and a newer touchless kitchen faucet. The laundry room includes a washer, dryer, and utility sink, all of which convey with the home. All three bathrooms have been updated with granite countertops and freshly painted cabinetry. The spacious primary suite features vaulted ceilings, two walk-in closets, and French doors with built-in blinds that open directly to your backyard oasis. The primary bathroom offers two vanities, a large shower, a relaxing bathtub, and a private water closet. Step outside and enjoy the Florida lifestyle in your fully fenced backyard located directly on the lake! The outdoor space features a screened-in saltwater pool with a beautiful rock backdrop, creating the perfect setting for relaxing, entertaining, and enjoying the Florida sunshine. The spacious fenced yard also provides plenty of room for a swing set, pets, gardening, or simply enjoying the peaceful lakefront setting. The fourth bedroom includes its own pool bath, making it ideal for guests, visitors, or multi-generational living. A two-car garage provides additional storage and convenience. Located in a desirable community with low HOA dues and NO CDD, residents enjoy access to a community pool, tennis courts, playground, and an annual community party. Conveniently located just minutes from the Florida Turnpike, shopping, medical facilities, and everyday conveniences, with several beautiful Florida beaches less than an hour away. This home truly has all the bells and whistles—beautifully updated, thoughtfully maintained, lakefront, fully fenced, and ready for you to move right in!

The essentials

Built
2003
Price / sqft
$218
On market
30 days
Annual tax
$1,748
HOA
$936/yr
Flood zone
X · Low risk
Lot
10,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2003
Waterfront
Pond
Private pool
Salt Water
2 car garage
10,000 sqft lot
Lot size

Payment

Est. monthly payment
$2,853/mo
Down payment (20%)
$92,000
Property taxes
$146/mo
HOA
$936/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
10,000 sqft
Cooling
Central Air
Heating
Central
Parking
-
Pool
Salt Water, Screen Enclosure
Waterfront
Pond
Days on Market
30
Ceiling Fans(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Hurricane Shutters
Rain Gutters
Sidewalk
Playground
Pool
Sidewalks
Convection Oven
Dishwasher
Disposal
Dryer
Microwave
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,748
Parcel #
14-26-30-0028-0001-0410

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
10,000 sqft
HOA
$936/yr
Leland Management/Kaitlin Marshall

Price history

Date
Event
Price
9/15/2026
Listed for sale
Source: Stellar MLS #S5157800
$459,999
$218/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $459,999
$457,500 – $459,999
99.5% – 100% of listTops out right at the list price
80% of listList price
237 of the last 383 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 30.

Sample: 383 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
$2,853/mo
Principal & interest$2,399
Property taxes$146
Insurance$230
HOA$78
Down payment20% · $92,000
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

$459,999

$218 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,109 sq ft

Time on market

30 days

Year built

2003

Monthly payment

About $2,853/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,748 annual tax bill, insurance, and the $936/yr HOA fee.

HOA fee

$936/yr

Managed by Leland Management/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 byWEICHERT REALTORS HALLMARK PROListing agent: Rachel SantosListing data from Stellar MLS, MLS# S5157800.

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