5820 ARBORETUM STREET, ST CLOUD, FL, 34771
Active62 days on marketListed May 30, 2026MLS #O6412182
About this home
5820 ARBORETUM STREET
OWNER FINANCING AVAILABLE!!!!!! ---- One or more photo(s) has been virtually staged. Welcome to 5820 Arboretum St in St. Cloud, FL, featuring the desirable Hayden floor plan, a spacious all-concrete-block single-family home designed with comfort, functionality, and modern living in mind. This beautiful home offers 5 bedrooms and 3 bathrooms with an open-concept layout that maximizes living space. The kitchen overlooks the dining area and great room, creating an ideal setting for entertaining, and features a large island with bar seating, stone countertops, stainless steel appliances, and ample cabinet space. Sliding glass doors and generous windows bring in natural light and provide access to the covered lanai, perfect for enjoying Florida indoor-outdoor living. The first floor includes a flexible bonus room that can be used as a home office, den, playroom, or additional living area, along with a guest bedroom and full bathroom. Upstairs, the spacious primary suite offers a private en-suite bathroom and walk-in closet, while three additional bedrooms surround a versatile loft area, full bathroom, and conveniently located laundry room. The Hayden floor plan also includes smart home technology, allowing you to control key home features from your smart device whether you are home or away. Located in a growing St. Cloud community near Narcoossee Road, Lake Nona, Orlando International Airport, major highways, shopping, dining, and Central Florida attractions, this home offers excellent convenience and lifestyle value. Seller is offering Owner Financing, creating a unique opportunity for buyers seeking flexible financing options. Buyer and buyer’s agent should verify all information, including room sizes, square footage, HOA dues, taxes, zoning, school assignments, community information, financing terms, and availability. The property is being sold with an owner financing approach. Buyer is purchasing control of the holding trust that the property will be until the seller's loan is satisfied/paid off. Buyer enjoys all the benefits of home ownership, same as the title holder. Listing agent is available to explain numbers, structure, and protections Proof of funds is mandatory for the down payment + closing costs
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,601
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,121 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,121/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+4.6%
$/sqft vs PRAIRIE OAKS
$198 vs $228
Days on market
62 vs 33 typical
Where $198/sqft sits among the 10 homes for sale in PRAIRIE OAKS
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
5 of 10
PRAIRIE OAKS have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 5820 ARBORETUM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$470,000
5749 WALLIS LANE · same community
4 bd · 3 ba · 2,534 sqft · $185/sqft · 48 DOM
Sold · Feb ’26$400,000
2612 Cheyenne Road, Sebring FL 33872 · same community
4 bd · 2.5 ba · 2,272 sqft · $176/sqft · 152 DOM
Sold · Dec ’25$458,000
1554 OUTBACK ROAD W · same community
4 bd · 2 ba · 2,110 sqft · $217/sqft · 353 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5820 ARBORETUM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5820 ARBORETUM STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
5820 ARBORETUM STREET FAQs
What would the monthly payment be for 5820 ARBORETUM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,121/mo — principal and interest, the actual property-tax bill, the $180/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 5820 ARBORETUM STREET?+
The association fee works out to $180 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5820 ARBORETUM STREET?+
The most recent tax bill on record (2025) was $6,265. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 5820 ARBORETUM STREET?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $514,900, this home is listed about 21% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5820 ARBORETUM STREET?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Mauricio Garcia Lopez. MLS #O6412182.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New St Cloud homes, in your inbox
Like 5820 ARBORETUM STREET but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Jessica to ping you on any price or status change →