2196 BUR OAK BOULEVARD, ST CLOUD, FL, 34771
Active115 days on marketListed Mar 28, 2026MLS #S5146719
About this home
2196 BUR OAK BOULEVARD
One or more photo(s) has been virtually staged. ****Seller very motivated offering $15,000 in concessions with approved purchase price****** Charming 3-Bedroom Home with den in St. Cloud’s Live Oak Community! Welcome home to 2196 Bur Oak Blvd, a beautifully maintained property with over 2100 square foot on a corner lot in a serene St. Cloud neighborhood. This home was built in 2019 and is move-in ready. This spacious residence features 4 bedrooms and 2 bathrooms. Enjoy the modern kitchen with ample cabinetry, bright natural light, stone counters and stainless steel appliances The kitchen has a large island that overlooks the spacious living room and dining room making the space ideal for entertaining and gatherings. The master suite offers a private retreat with a full ensuite bath and walk-in closet, that includes closet organizers. Step outside to a screened in covered back porch so you can enjoy the beautiful Florida weather. The backyard is fully fenced providing a safe space. Located in the highly desirable Live Oak Lake community, you will enjoy a peaceful neighborhood vibe, while still being only 13 miles from the Lake Nona Medical City and about 20 miles from the popular Orlando International Airport. And it’s only about 1 hour away from east coast beaches. Furthermore, the community includes the following amenities: resort style pool, playground, fitness center, and park. Don’t miss the opportunity to make this move-in-ready home yours! Schedule your showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,144
Sqft
0.19 ac
Lot size
2
Garage
2019
Year built
One
Levels
$178
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.
$3,223 /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
$3,223/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
−2.5%
$/sqft vs LIVE OAK LAKE PH 1
$178 vs $196
Days on market
115 vs 33 typical
Where $178/sqft sits among the 7 homes for sale in LIVE OAK LAKE PH 1
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
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)
4 of 7
LIVE OAK LAKE PH 1 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 10% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2196 BUR OAK BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$373,000
2130 BUR OAK BOULEVARD · same community
4 bd · 2 ba · 1,610 sqft · $232/sqft · 70 DOM
Sold · Apr ’26$400,000
5225 CHICKADEE STREET · same community
3 bd · 2 ba · 1,341 sqft · $298/sqft · 126 DOM
Sold · Sep ’25$557,900
1902 ENGLEWOOD COURT
3 bd · 2 ba · 2,155 sqft · $259/sqft · 30 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2196 BUR OAK BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2196 BUR OAK BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
2196 BUR OAK BOULEVARD FAQs
What would the monthly payment be for 2196 BUR OAK BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,223/mo — principal and interest, the actual property-tax bill, the $107/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 2196 BUR OAK BOULEVARD?+
The association fee works out to $107 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2196 BUR OAK BOULEVARD?+
The most recent tax bill on record (2025) was $6,458. 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 2196 BUR OAK BOULEVARD?+
The listing reports pets: 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 $382,000, this home is listed about 10% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2196 BUR OAK BOULEVARD?+
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.
The brief
Three things that matter here
01Under the ST CLOUD 34771 market on paper
$382,000 is 10% below the ST CLOUD 34771 median of $424,493, and at $178/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
115 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $389,000, now $382,000 — a $7K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Rebekah Hawthorne. MLS #S5146719.
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.
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