6186 OAK SHORE DRIVE, St. Cloud, FL, 34771 | $498,500

Beautiful 5 bedroom, 2 bathroom home featuring 2, 135 square feet of living area with 2, 840 total square feet under roof and is located on a large one half acre lot. Interior features include: formal living room, kitchen/family room combination, split plan, volume ceilings and inside utility. Additional highlights and improvement's include: 6 inch baseboards, crown molding, updated ceiling fans and lights, 6 panel doors, wood shelving in all closets, no carpet, window sills and framing, decorative details including beadboard and wall paneling, recessed lighting, French doors, sliding plantation shutters on glass door. The chef's kitchen features granite countertops and marble backsplash, custom wood cabinets with glass inserts and a Lazy Susan, lots of extra storage, brushed nickel hardware, Kraus deep commercial sink, stainless steel appliances, coffee bar area, extra power outlets, large food pantry and a separate appliance closet! The laundry room has lots of cabinets, folding counter, sink and shelves! The fifth bedroom is perfect for an office . . . large closets with wood shelving. Primary bedroom features a tray ceiling and French Doors leading to a sunroom/flex space, The en-suite primary bathroom features new tiled walk in shower with brushed nickel hardware, 2 separate large vanities, Roman tub with tile encasement, two beautiful privacy windows, brushed nickel faucets and light fixtures, walk-in closet and a separate water closet with oval window! Second bath has large floor to ceiling tiled shower, a large vanity and a beadboard accent wall. The open grand entrance foyer is impressive with high vaulted ceiling, recessed lighting with shelving, front door with side glass panels and top panel for extra light. Great for a 9 foot Christmas tree . . . and French Doors leading to the sunroom! Exterior features include block construction, updated lighting, NEW ROOF and gutters in July of 2020, large fenced back yard, irrigation system and 2 car garage with new garage door opener! Enjoy the community gazebo and water access to the Alligator chain of Lakes. You will love the location . . . country atmosphere and great neighborhood. Only 30 minutes to the beach, 25 minutes to the Orlando International Airport, 20 minutes to the UCF Medical School, VA Hospital, Nemours Children's Hospital Research Park and Lake Nona Center . . . and less than an hour to Central Florida area attractions! Major shopping and Grocery stores are just minutes away. Call today for a home preview!

Features

  • Amenities: Fence Restrictions, Recreation Facilities
  • Rooms: 11
  • Bedrooms: 5
  • Baths: 2 full
  • Lot Size: 100 x 221
  • Laundry: Inside
  • Style: Traditional
  • Year Built: 2003
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,135
  • Acreage: 0.5
  • Lot Size: 100 x 221
  • Est. Taxes: $3,137
  • HOA Fee: $38 Monthly
  • Lot Desc: In County, Landscaped, Level, Sidewalk
  • View: Trees/Woods, Water
  • Elem. School: Harmony Community School (K-5)
  • Middle School: Harmony Middle
  • High School: Harmony High
  • Pet Policy: Breed Restrictions
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator
  • MLS#: S5123594
  • Days on Market: 4 days
  • Website: https://www.raveis.com
    /prop/S5123594/6186oakshoredrive_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 4/16/2025 4:34:20 AM)
Listing courtesy of PREFERRED REAL ESTATE   Phone: 407-791-3116

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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6186 OAK SHORE DRIVE, St. Cloud, FL, 34771

$498,500

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $398,800 $398,800 $398,800
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.152%
Monthly Tax Payment $261 $261 $261
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,521 $2,620 $3,338
Total Monthly Payment $2,857 $2,956 $3,674

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.