1315 PINE ISLAND DR N, ST CLOUD, FL, 34771
Active114 days on marketListed Apr 1, 2026MLS #S5146989
About this home
1315 PINE ISLAND DR N
This is everything you have been dreaming of! Check out this 1bedroom 1 bathroom lakefront on the Alligator Chain of Lakes with extensive upgrades and superior construction. Tray ceilings, crown molding, full baseboards, vinyl plank flooring, quartz counters in kitchen and bath with custom backsplash, large stainless sink, solid wood cabinetry, walk-in glass shower, and ceiling fans. Stainless appliance package includes glass-top range, oven, microwave, dishwasher, and upgraded refrigerator with ice maker. Garbage disposal and Culligan RO filtration system. Built with 2x6 shear walls, Hardie board concrete siding to the base, metal roof, double-pane windows, double cross tie-down system anchored into concrete, and upgraded 200-amp service.Outdoor living is taken to the next level with a composite dock and decking leading to a custom-built tiki bar, constructed on pilings driven to the lake bottom and topped with a standing seam metal roof. The tiki area is fully equipped with 50-amp electric, water, refrigeration, and a bar setup—perfect for entertaining. Remote-controlled screens provide comfort and shade while you enjoy the view. The composite seawall is reinforced with stainless steel tie-backs and durable filter fabric, offering both beauty and long-term stability. Boat ramp is located just seconds away. Excellent waterfront location for boating, fishing, and skiing. Ideal for primary residence or weekend retreat. Don't miss this opportunity to own your own private oasis. Home is located close to beaches, resturants, hospitals loca shopping but still maintains a privacy with its own community.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
521
Sqft
0.07 ac
Lot size
2018
Year built
One
Levels
$720
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.
$2,794 /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
$2,794/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.
$/sqft vs St Cloud actives
$720 vs $220
Days on market
114 vs 33 typical
Where $720/sqft sits among the 400 St Cloud actives
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)
198 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 1315 PINE ISLAND DR N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$80,000
1370 SHIPWRECK LANE · same community
1 bd · 1 ba · 384 sqft · $208/sqft · 15 DOM
Sold · Mar ’26$125,000
1401 STARBOARD DRIVE · same community
2 bd · 2 ba · 830 sqft · $151/sqft · 21 DOM
Sold · Apr ’26$160,000
1385 PINE ISLAND DRIVE S · same community
1 bd · 2 ba · 929 sqft · $172/sqft · 295 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
Derek Perez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1315 PINE ISLAND DR N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1315 PINE ISLAND DR N — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Derek's phone and CRM.
Straight answers
1315 PINE ISLAND DR N FAQs
What would the monthly payment be for 1315 PINE ISLAND DR N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,794/mo — principal and interest, the actual property-tax bill, the $178/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 1315 PINE ISLAND DR N?+
The association fee works out to $178 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1315 PINE ISLAND DR N?+
The most recent tax bill on record (2025) was $996. 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 1315 PINE ISLAND DR N?+
The listing reports pets: Breed Restrictions, 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 $375,000, this home is listed about 12% 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 1315 PINE ISLAND DR N?+
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
$375,000 is 12% below the ST CLOUD 34771 median of $425,000.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
114 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of TIE TEAM REALTY LLC · Stephanie Peterson, Pa. MLS #S5146989.
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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