120 Rachel Lin Ln, photo 1
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Overview

4 bd3 ba2,697 sqft2 car garageSingle Family
TypeSingle Family
HOA$857/yr
Built2005
Lot11,050 sqft
Living area2,697 sqft
Price / sqft$250
Garage2 car

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Open house

Sunday, Oct 18 · 12:00 PM to 2:00 PM

About this home

Eat-in KitchenSolid Wood CabinetsThermostatWalk-in Closet(s)SidewalkDeed RestrictionsGated Community - No GuardPlayground

120 Rachel Lin Ln is a 2005-built home in East Lake Reserve At Narcoossee Unit 3, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,697 square feet of living space. Listed at $675,000 (about $250/sqft), 3 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $857 annually.

From the listing

LAKEFRONT LUXURY + RESORT-STYLE LIVING + NEAR LAKE NONA = PRICELESS! Prepare to fall in love with this exceptional 4 bedroom, 3 bathroom lakefront residence, beautifully remodeled and designed for the ultimate Florida lifestyle! Nestled within a desirable gated community with NO CDD and one of the lowest HOA fees in the area, this spectacular home combines refined indoor living with an extraordinary private outdoor retreat. Community RV Parking!! Upgrades include new hybrid high efficiency 50 gallon water heater, new high efficiency inverter central air conditioning system with digital wifi thermostat, fresh paint throughout the interior including garage, new wireless security system including exterior security cameras, new wifi digital locks on all exterior doors, climate controlled Florida room, outside awning is power extend and retract, Tiki bar has running water, gas grill and refrigerator. Pool and spa have indoor electronic controller. Pool has underwater lighting and top of the line pebble-tec finish. Solar powered electric attic vents and new installed roof & windows (2024). From the moment you arrive, you’ll appreciate the attention to detail and thoughtful updates throughout. The spacious floor plan offers generously sized bedrooms, three beautifully remodeled bathrooms, and a flexible studio/office that can easily accommodate a home office, creative space, fitness room, or additional guest area. The stunning gourmet kitchen is truly the centerpiece of the home, featuring premium appliances, elegant countertops, custom cabinetry, and abundant workspace—perfect for preparing everyday meals or entertaining guests. The open and inviting living spaces flow effortlessly toward the breathtaking outdoor oasis. Step outside and experience resort-style living right in your own backyard! A sparkling pool and spa overlook the picturesque lake, creating a serene setting for relaxing, entertaining, and enjoying spectacular Florida sunsets. The impressive outdoor kitchen makes poolside entertaining effortless, while the beautifully landscaped grounds enhance the privacy and tranquility of this remarkable lakefront setting. Every bathroom has been tastefully remodeled, and the home has been meticulously maintained and thoughtfully updated, making it truly move in ready. Wake up to peaceful lake views, enjoy your morning coffee outdoors, spend afternoons by the pool, and gather with family and friends as the sun sets over the water. This is the Florida lifestyle you’ve been waiting for! East Lake Reserve has a private community dock on east lake toho, playground & basketball court. Conveniently located near Lake Nona, Medical City, top-rated schools, shopping, dining, major highways, and countless Central Florida attractions, this incredible property offers the perfect balance of privacy and convenience. A true lakefront gem with luxury amenities, exceptional updates, and a backyard designed for unforgettable memories—this is one you won’t want to miss!

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The essentials

Built
2005
Price / sqft
$250
On market
3 days
Annual tax
$3,908
HOA
$857/yr
Flood zone
X · Low risk
Lot
11,050 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Waterfront
Pond
Private pool
In Ground
2 car garage
Driveway
0.25 acres
Lot size

Payment

Est. monthly payment
$4,254/mo
Down payment (20%)
$135,000
Property taxes
$326/mo
HOA
$857/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
11,050 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Pool
In Ground
Waterfront
Pond
Days on Market
3
Eat-in Kitchen
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Sidewalk
Deed Restrictions
Gated Community - No Guard
Playground
Sidewalks
Built-in Oven
Cooktop
Dishwasher
Disposal
Electric Water Heater
Range Hood
Refrigerator
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 X
Annual Tax (2026)
$3,908
Parcel #
19-25-31-3016-0001-1110

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
11,050 sqft
SidewalkPaved
HOA
$857/yr
Leslie Lundlen

Price history

Date
Event
Price
10/15/2026
Listed for sale
Source: Stellar MLS #S5158911
$675,000
$250/sqft

Neighborhood

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

Market insights

Offer Insights

Choose an offer strength

List price: $675,000
$670,000 – $675,000
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 468 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 3.

Sample: 468 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,255/mo
Principal & interest$3,520
Property taxes$326
Insurance$338
HOA$71
Down payment20% · $135,000
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

$675,000

$250 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,697 sq ft

Time on market

3 days

Year built

2005

Monthly payment

About $4,254/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,908 annual tax bill, insurance, and the $857/yr HOA fee.

HOA fee

$857/yr

Managed by Leslie Lundlen.

Flood zone

Zone X

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 byCORCORAN CONNECT LLCListing agent: Jeanine CorcoranListing data from Stellar MLS, MLS# S5158911.

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