860 OAK SHORE DRIVE, St. Cloud, FL, 34771 | $499,000

Welcome to Waterfront Living in Oak Shore Estates! Nestled on a serene and spacious 0. 76-acre waterfront lot, this charming brick-faced home offers timeless appeal and unmatched tranquility in the sought-after Oak Shore Estates community. Surrounded by mature oak trees and lush landscaping, this property is a hidden gem just minutes from Lake Nona, Medical City, and Orlando’s top attractions. Built in 1975 and boasting 1, 812 heated square feet (3, 013 total), the home welcomes you with a manicured walkway leading to the front entrance. Inside, a tiled foyer opens to a cozy front sitting room and a formal dining area—perfect for hosting family and friends. The heart of the home is the well-appointed kitchen, featuring ample cabinet and counter space, a center island with breakfast bar, and seamless views into the living room for effortless entertaining. The layout includes 3 spacious bedrooms and 2 full bathrooms, including a private primary suite with a private bathroom featuring dual vanities, a soaking tub, and a stand-alone shower. The tiled Florida room offers walls of windows that fill the space with natural light and overlook the beautifully shaded backyard. Step outside to enjoy a peaceful open patio, detached storage shed, and breathtaking wooded views. The property backs up to East Lake Tohopekaliga, the perfect place for boating, fishing, and enjoying Florida’s outdoors! Located just off Narcoossee Road, this home combines quiet community living with unbeatable convenience to major highways like the 417 and 192, top-rated schools, bustling Lake Nona and Medical City, and is just a short drive to Florida’s sunny beaches and all of Orlando’s Premiere Attractions! Don’t miss your opportunity to own a piece of paradise on the water—schedule your private showing today!

Features

  • Rooms: 8
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Electric Dryer Hookup, In Garage
  • Style: Traditional
  • Year Built: 1975
  • Garage: 2-car
  • Heating: Central, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,812
  • Acreage: 0.77
  • Est. Taxes: $3,024
  • Lot Desc: Landscaped
  • Adult Communities: Yes
  • Water Front: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
  • MLS#: S5127819
  • Days on Market: 309 days
  • Website: https://www.raveis.com
    /prop/S5127819/860oakshoredrive_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 5/20/2026 6:47:08 PM)
Listing courtesy of FLORIDA REALTY RESULTS LLC   Phone: 407-498-3838

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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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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

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Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

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

$499,000

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 $399,200 $399,200 $399,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.625% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.609% 6.776% 6.078%
Monthly Tax Payment $252 $252 $252
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,458 $2,556 $3,342
Total Monthly Payment $2,785 $2,883 $3,669

* 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.