Live Oak Lake Ph 3
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Price here is driven by newness and size. Live Oak Lake Ph 3 is a tight pocket of homes built between 2020 and 2022, with a median around 2,494 square feet and a median price of $415,000, or roughly $208 a foot. There is no aging inventory to discount and no historic stock to command a premium, so what separates one sale from another is condition, lot, and finish level rather than vintage.
The current posture favors patience on both sides. A median of 82 days on market is slow, and year-over-year price movement of 2.5% is modest, so sellers should price to the comps and expect to wait rather than count on a bidding contest. Buyers get room to negotiate and time to inspect. This is a market that rewards a realistic number over an aspirational one.
Live Oak Lake Ph 3 right now
🟡 Off the recent peak. The trailing-12-month median ($400K) is down 7.0% from the prior 12 months ($430K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending July 15. Confidence: Medium (7 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Live Oak Lake Ph 3 right now
🟡 Off the recent peak. The trailing-12-month median ($400K) is down 7.0% from the prior 12 months ($430K). With about a dozen sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending July 15. Confidence: Medium (7 and 11 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Live Oak Lake Ph 3 market snapshot (as of July 15, 2026): the median sale price is about $400K ($210 per sq ft over the trailing 12 months of closed sales), and a median 82 days on market for closed sales. The trailing-12-month median is down 7% from the prior 12 months, computed from record-level Stellar MLS closed sales (7 closings in the current window).
Live Oak Lake Ph 3 is a community of 329 homes in St Cloud, Osceola County, built between 1995 and 2022 (median 2021), with a median living area of about 2,496 square feet. 72% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Live Oak Lake Ph 3 is a small, newer subdivision in St Cloud with about 115 homes, most built early this decade. Owner-occupancy runs a little under two-thirds, which points to a community that is still settling into its long-term ownership mix.
Who Live Oak Lake Ph 3 is best for.
Best for
- Buyers wanting a recently built home of roughly 2,494 square feet who can plan around the median near $415,000
- Owner-occupants who intend to hold rather than trade quickly
- Patient buyers comfortable negotiating in a slower, 82-day market
Probably not for
- Buyers who need to close and resell on a short horizon
- Shoppers looking for older or historic architecture
- Anyone counting on rapid, competition-driven price gains
Median sale price over the trailing 12 months ending July 15 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($400K) IS the median in the snapshot above, and the move from 2025 ($430K) IS the -7.0% one-year change.
Windows contain 1 to 44 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Deemed reliable but not guaranteed.
The Live Oak Lake Ph 3 buying strategy.
If we were buying in Live Oak Lake Ph 3 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 Ph 3.
A new-build pocket that trades on condition
With every home in the 2020–2022 window, the usual age-based value spread is off the table. That narrows the pricing conversation to square footage, lot position, and how each home has been maintained since delivery. At a median near 2,494 square feet, these are substantial floor plans, and the $207.73 median price per square foot reflects that size rather than a scarcity premium.
The 82-day median on market is the number to respect. In a subdivision this small, a handful of closings can swing the read, and only five sales anchor this window, so treat the median price as a reference point and lean on current comps at contract time. Sellers who overprice will sit; buyers who move deliberately will usually get a fair look at the home before deciding.
The location and the amenities are priced into every listing in Live Oak Lake Ph 3. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Live Oak Lake Ph 3 buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 3 factors (5.0). Basis: Recent Direction -7.0% year-over-year; Owner Commitment 72% owner-occupied; Pricing Power 90.4% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small, the difference between a good and a bad number comes down to reading a thin set of comps correctly. We track the closings in Live Oak Lake Ph 3 as they happen, know which floor plans and lots carry a premium, and will tell you plainly when a list price or an offer is out of step with the actual market.
Live Oak Lake Ph 3 in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 Ph 3 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 Ph 3 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 Ph 3, 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 Ph 3 home worth?
Get a no-obligation home value based on real comparable sales in Live Oak Lake Ph 3, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
What is the median home price in Live Oak Lake Ph 3?
How long do homes in Live Oak Lake Ph 3 take to sell?
How many homes are in Live Oak Lake Ph 3?
What share of Live Oak Lake Ph 3 is owner-occupied?
When were the homes in Live Oak Lake Ph 3 built?
Do cash buyers compete in Live Oak Lake Ph 3?
Who is the best real estate agent for Live Oak Lake Ph 3?
How do I find a top St Cloud real estate agent who knows Live Oak Lake Ph 3?
Can Momentum Realty connect me with an agent for Live Oak Lake Ph 3?
Should you buy in Live Oak Lake Ph 3?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Community market stats | Stellar MLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (8 streets, ZIP 34771/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2021 (71 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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($400K) IS the median in the snapshot above, and the move from 2025 ($430K) IS the -7.0% one-year change.
Windows contain 1 to 44 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Deemed reliable but not guaranteed.
Data sources & freshness
| Community market stats | Stellar MLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (8 streets, ZIP 34771/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2021 (71 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.
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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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