6358 OAK SHORE DRIVE, St. Cloud, FL, 34771 | $1,295,000

**Appraisal Completed for Buyer, Price Updated**
Set beneath a canopy of majestic oak trees on nearly one acre of pristine lakefront, this exceptional custom estate offers the perfect balance of privacy, flexibility, and waterfront living on Lost Lake (Coon Lake)—part of the highly coveted Alligator Chain of Lakes.

Built in 2008, the property features a spacious main residence plus a private guest retreat, totaling 5, 297 square feet of living space and more than 8, 100 square feet under roof. The main home offers four bedrooms, three and a half baths, and a three-car garage, with thoughtful architectural details and sweeping lake views from multiple rooms and a serene second-floor balcony.

Designed for both comfortable living and entertaining, the interior showcases generous gathering spaces, a gas fireplace, a formal dining room with a coffered ceiling, and a beautifully updated kitchen (2024) featuring new granite countertops, backsplash, Z-Tech cooktop, and double smart ovens with wireless controls.

The luxurious primary suite serves as a true retreat, complete with two oversized walk-in closets—one built as a reinforced safe room—and a spa-inspired bath featuring a hydromassage tub, dual vanities, and a separate shower.

Upstairs, discover even more versatility with a large bonus/game room and a private home theater, fully equipped with a projector, screen, and sound system, all included with the sale.

A standout feature is the detached guest residence located above a second three-car garage. Approx. 1, 200 square feet, this private apartment includes a full kitchen, living and dining areas, oversized bedroom (easily convertible to two), full bath, and an additional half bath on the garage level—ideal for extended family, guests, rental income, or a private home office or studio.
Outdoor living is equally impressive. Enjoy approximately 1, 500 square feet of covered and open lanai and patio space, perfect for entertaining or unwinding while taking in peaceful lake views. The lush backyard also features a custom koi pond with a waterfall and approximately 30 koi fish (estimated value $10, 000–$15, 000), creating a tranquil, resort-style atmosphere.
For boating enthusiasts, the private dock with boat lift and new motor provides direct access to the Alligator Chain of Lakes, offering endless opportunities for boating, fishing, and recreation.
Major upgrades include a new roof (2024), new main HVAC system (2024), a second Carrier Infiniti system (approx. 6 years old), and updated drain lines. With two separate three-car garages, no HOA, mature landscaping, fruit trees, and close proximity to Harmony, Melbourne, St. Cloud, and Lake Nona, this property offers a rare opportunity to enjoy expansive lakefront living with everyday convenience.
A truly unique estate where space, lifestyle, and location come together.

Features

  • Rooms: 10
  • Bedrooms: 4
  • Baths: 4 full / 1 half
  • Lot Size: 100 x 1
  • Laundry: Laundry Room
  • Year Built: 2008
  • Garage: 6-car Boat, Garage Door Opener, Ground Level, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 5,297
  • Acreage: 0.95
  • Lot Size: 100 x 1
  • Est. Taxes: $14,606
  • Lot Desc: Flood Insurance Required, Landscaped, Oversized Lot, Private, Street Dead-End
  • View: Water
  • Water Front: Yes
  • Elem. School: Harmony Community School (K-5)
  • Middle School: Harmony Middle
  • High School: Harmony High
  • Pet Policy: Yes
  • Appliances: Convection Oven, Disposal, Electric Water Heater, Exhaust Fan, Microwave, Range, Range Hood, Refrigerator, Water Filtration System, Water Softener
  • MLS#: S5145797
  • Days on Market: 56 days
  • Website: https://www.raveis.com
    /eprop/S5145797/6358oakshoredrive_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 5/19/2026 8:07:27 PM)
Listing courtesy of Coldwell Banker Realty   Phone: 407-647-1211

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6358 OAK SHORE DRIVE, St. Cloud, FL, 34771

$1,295,000

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 Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,036,000 $1,036,000 $1,036,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.125% 6.375% 6.125%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.411% 6.487% 6.309%
Monthly Tax Payment $1,217 $1,217 $1,217
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,295 $6,463 $8,812
Total Monthly Payment $7,637 $7,805 $10,154

* 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.