1803 CHARLES COURT, ST CLOUD, FL, 34771
Active0 days on marketListed Aug 10, 2026MLS #S5155317
About this home
1803 CHARLES COURT
Step inside the foyer and experience a light-filled, open floor plan designed for effortless living and entertaining. The expansive family room flows seamlessly into the gourmet kitchen, featuring stainless steel appliances, quartz countertops, oversized cabinetry with abundant storage, and a cozy breakfast nook—perfect for morning coffee or casual dining. Elegant French doors open to your private backyard oasis, where the screened lanai offers plenty of room to relax in the shade, soak up the sun, or entertain guests poolside. The spacious primary suite provides a peaceful retreat, with room for a king-sized bed and a beautifully appointed ensuite featuring dual vanities, a step-in shower, and a relaxing soaking tub. Bedrooms two and three have generous space and walk-in closets, providing comfort and ample storage for family or guests. The property also features an attached, air-conditioned garage, plus an oversized detached garage with abundant storage and additional parking. Both garage doors are heavily insulated and have UV protective windows. Above the detached garage, you’ll find a versatile mother-in-law suite complete with a kitchenette, private bedroom, full bathroom, and walk-in closet—ideal for extended family, guests, a home office, or additional living space. Located in desirable Northshore, residents enjoy exclusive access to Lake Lizzie, part of the beautiful Alligator Chain of Lakes. With a private community dock and boat ramp, you’ll have endless opportunities for boating, fishing, and enjoying Florida’s waterfront lifestyle. This exceptional property offers the perfect combination of spacious living, resort-style outdoor enjoyment, versatile guest accommodations, and exclusive lake access—all in one incredible home.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,671
Sqft
0.7 ac
Lot size
4
Garage
2005
Year built
One
Levels
$280
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.
$5,140 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,140/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 76% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Sara Jean Baptiste
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1803 CHARLES COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1803 CHARLES COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Sara's phone and CRM.
Straight answers
1803 CHARLES COURT FAQs
What would the monthly payment be for 1803 CHARLES COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,140/mo — principal and interest, the actual property-tax bill, the $80/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 1803 CHARLES COURT?+
The association fee works out to $80 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1803 CHARLES COURT?+
The most recent tax bill on record (2025) was $6,932. 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 1803 CHARLES COURT?+
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 $749,000, this home is listed about 74% above the St Cloud median of $429,990. The market section on this page shows how the area is trending.
Which schools are assigned to 1803 CHARLES COURT?+
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
01Positioned at the premium end
$749,000 runs 76% above the ST CLOUD 34771 median — but at 2,671 sqft it's also 34% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Listed today in a St Cloud market that averages 43 — if it fits, move quickly.
Listing courtesy of TIE TEAM REALTY LLC · Lydia Morrison. MLS #S5155317.
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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