Live Oak Lake
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 9 closed sales in Live Oak Lake Ph 1 in St Cloud, FL since 2021, the most recent in April 2026. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Part of the Live Oak Lake St Cloud master-planned community in St Cloud, FL — see all Live Oak Lake St Cloud homes for sale (7 listings across 2 villages and sections in the MLS).
Live Oak Lake is a tightly-banded community: every home was built between 2019 and 2022, with a median year built of 2020, so there is very little age spread to price around. That means the pricing conversation here turns almost entirely on floor plan, lot position, and finish level rather than on how old the structure is.
With 169 homes total and a homestead share of 78.1%, most owners have filed for homestead, which typically points to longer intended hold periods rather than fast turnover. Closings are being tracked on a 2-month window in the current snapshot, so sellers should price with recent comparable activity in mind rather than assuming automatic urgency, and buyers should expect a market that moves in a measured way, not a scramble.
Nearby homes for sale
No active listings inside Live Oak LakeHomes for Sale in St. Cloud, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Live Oak Lake in St Cloud is a compact, recently-built section of Osceola County with a median living area of 2,524 square feet and no community amenities currently identified from MLS listings, so the appeal here centers on the homes themselves rather than a clubhouse or resort-style package.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Live Oak Lake is best for.
Best for
- Buyers who want a home built within the last several years and want to avoid the maintenance timeline of an older resale.
- Buyers who prioritize a larger floor plan and are comfortable with an HOA that, per current listings, does not include name-brand amenities.
- Buyers planning a longer hold, consistent with the community's high homestead share.
Probably not for
- Buyers who want a resort-style amenity package as a core part of the purchase decision.
- Buyers hoping to compare decades of renovation history across a wide range of build years.
- Investors expecting fast turnover in a community where most owners appear to be filing for homestead.
The market around Live Oak Lake
Live Oak Lake is a small community — 23 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
The housing mix here is 79% single family residence, 21% ?.
ZIP and county figures describe the wider market, not Live Oak Lake specifically. Momentum Research analysis of MLS records.
The Live Oak Lake buying strategy.
If we were buying in Live Oak Lake today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Live Oak Lake.
A newer-build pocket with a narrow construction window
Because every home in Live Oak Lake was built within a three-year span (2019-2022), buyers are not weighing decades of renovation history against each other the way they would in an older subdivision. Differences in price are more likely to come down to lot size, upgrades made after purchase, and floor plan layout than to roof age or system replacements.
The median living area of 2,524 square feet suggests this community skews toward larger single-family floor plans rather than compact starter product. No community amenities are currently identified from MLS listings, so buyers drawn to clubhouses, pools, or fitness centers as part of the HOA package should confirm directly what, if anything, is included before assuming resort-style extras.
The location and the amenities are priced into every listing in Live Oak Lake. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this uniform in age, the details that actually move a price — lot orientation, upgrade history, and how a given floor plan compares to its neighbors — matter more than they would in a mixed-vintage subdivision. We track closings here on a rolling basis and can walk you through how a specific listing stacks up against what has actually sold, rather than relying on generic neighborhood averages.
Live Oak Lake in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Live Oak Lake buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Live Oak Lake sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Live Oak Lake, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Live Oak Lake home worth?
Get a no-obligation home value based on real comparable sales in Live Oak Lake, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Live Oak Lake on the map →
Frequently Asked Questions
How many homes are in Live Oak Lake?
What share of Live Oak Lake is owner-occupied?
When were the homes in Live Oak Lake built?
Do cash buyers compete in Live Oak Lake?
Who is the best real estate agent for Live Oak Lake?
How do I find a top St Cloud real estate agent who knows Live Oak Lake?
Can Momentum Realty connect me with an agent for Live Oak Lake?
Where is Live Oak Lake, and what county is it in?
Should you buy in Live Oak Lake?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2021 (9 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.
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More St. Cloud & Kissimmee, St. Cloud & Osceola County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.
See how Live Oak Lake fits the bigger picture — live prices, inventory, and Momentum Scores:
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