Live Oak Lake
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Live Oak Lake St Cloud in St Cloud, FL has 5 homes for sale and 1 pending, asking from $369,900 to $620,000 (median $385,000). Homes listed or recently sold were built 2019 - 2021; 15 of 15 report an HOA (median $98/mo); none of the 15 geocoded homes sit in a FEMA special flood hazard zone (median elevation 72 ft).
Homes For Sale Right Now in Live Oak Lake
Live MLS inventory for Live Oak Lake. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 85 daysTop listing
Active · 180 days
Active · 35 days
Active · 199 days
Active · 32 days
Active · 53 days
Pending · 22 daysActive and pending Live Oak Lake listings as of 2026-09-13, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Live Oak Lake carries a 13.7-month supply figure with only 8 active listings, which is a small enough pool that a single listing decision can swing the read on the whole community. This is a buyer-leaning market by the numbers, but with volume this thin, that posture can shift quickly once a listing or two closes or comes off market.
The 0% homestead share is worth sitting with before you assume this behaves like a typical owner-occupied subdivision. It suggests the current owners here are not filing for a primary-residence exemption, which points toward investment holdings, recent purchases, or non-homestead use rather than a settled owner-occupied base. Pricing conversations here should stay grounded in condition and comparable-listing data rather than assumptions about demand pressure.
Live Oak Lake right now
🟢 Buyer-leaning market. 13.7 months of supply and 11% of the inventory already under contract give buyers above-average negotiating leverage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of July 15, 2026. Confidence: Medium (9 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 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 is a small, amenity-equipped community in St Cloud, Osceola County, currently showing thin inventory and a buyer-leaning supply picture.
Flood zones in Live Oak Lake: of 15 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
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.
The setting & the homes.
Aerial and on-site photos of Live Oak Lake. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Live Oak LakePhotos from Stellar MLS listings in Live Oak Lake; content deemed reliable but not guaranteed.
Who Live Oak Lake is best for.
Best for
- Buyers looking for a deed-restricted community with clubhouse, pool, and trail amenities in place
- Buyers comfortable navigating a low-inventory market and willing to move when the right listing appears
- Investors or non-primary buyers who want to understand a market where homestead filings are currently at zero
Probably not for
- Buyers who want to compare multiple active listings before deciding
- Buyers expecting a fast-moving, high-competition market
- Buyers who need certainty around resale timing in the near term given the current 13.7-month supply
The market around Live Oak Lake
Live Oak Lake is too small for its own price trend, so here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
ZIP and county figures describe the wider market, not Live Oak Lake specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Live Oak Lake St Cloud, ST CLOUD
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
Live Oak Lake on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Life at Live Oak Lake
- Fitness Center · reported on 10 of 12 listings
- Playground · reported on 10 of 12 listings
- Pool · reported on 10 of 12 listings
- Clubhouse · reported on 8 of 12 listings
- Community Mailbox · reported on 6 of 12 listings
- Irrigation-Reclaimed Water · reported on 5 of 12 listings
- Park · reported on 5 of 12 listings
- Deed Restrictions · reported on 3 of 12 listings
- Trail(s) · reported on 1 of 12 listings
- Touchless Entry · reported on 1 of 12 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hickory Tree Elem · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Live Oak Lake listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Live Oak Lake address.
Shop the zone: Homes zoned for Harmony High High School
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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 small market that moves on its own terms
With just 8 active listings and a 13.7-month supply reading, Live Oak Lake is not a high-turnover community. Buyers should expect limited side-by-side comparison and sellers should expect that a well-presented, correctly priced listing stands out simply because there is so little competing inventory to get lost in.
The amenity package here is built for daily use rather than as a marketing checklist: fitness center, pool, clubhouse, playground, trail access, and a park sit alongside deed restrictions, community mailbox service, reclaimed-water irrigation, and touchless entry. That combination signals an HOA-governed setting with maintained common areas, which is worth confirming directly with the association since access and amenity status can change.
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 market this thin, pricing and timing decisions carry more weight per listing. We track the small number of active and pending comparables here in real time, verify HOA and amenity details directly with the association rather than relying on listing-sheet language, and help buyers and sellers read a 13.7-month supply figure for what it actually means for negotiation leverage rather than treating it as a fixed rule.
Live Oak Lake in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $98/month (about $1,176/yr) · median of 47 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $98 per month ($1,176 a year) - the median AssociationFee across 47 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 →
Recently off market in Live Oak Lake St Cloud
Homes in Live Oak Lake St Cloud that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 4 on record.
- 2196 Bur Oak Boulevard · off market
- 2347 Nuthatch Street · off market
- 5133 Chickadee Street · off market
- 5181 Chickadee Street · off market
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Live Oak Lake Market Scorecard
Live Oak Lake is currently a buyer's market. About 6.7 months of supply, a median asking price of $385,000, and homes go under contract in about 85 days.
Typical home value in the 34771 ZIP is $436,543, about 13.8% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Live Oak Lake a buyer's or seller's market right now?
How many homes are in Live Oak Lake?
What share of Live Oak Lake is owner-occupied?
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?
Should you buy in Live Oak Lake?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 13, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
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 local comps.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Live Oak Lake St Cloud fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Live Oak Lake with Momentum Realty’s local guides.