OWNER FINANCING AVAILABLE!!!!!! —- One or more photo(s) has been virtually staged.
Welcome to 5820 Arboretum St in St. Cloud, FL, featuring the desirable Hayden floor plan, a spacious all-concrete-block single-family home designed with comfort, functionality, and modern living in mind. This beautiful home offers 5 bedrooms and 3 bathrooms with an open-concept layout that maximizes living space. The kitchen overlooks the dining area and great room, creating an ideal setting for entertaining, and features a large island with bar seating, stone countertops, stainless steel appliances, and ample cabinet space. Sliding glass doors and generous windows bring in natural light and provide access to the covered lanai, perfect for enjoying Florida indoor-outdoor living.
The first floor includes a flexible bonus room that can be used as a home office, den, playroom, or additional living area, along with a guest bedroom and full bathroom. Upstairs, the spacious primary suite offers a private en-suite bathroom and walk-in closet, while three additional bedrooms surround a versatile loft area, full bathroom, and conveniently located laundry room. The Hayden floor plan also includes smart home technology, allowing you to control key home features from your smart device whether you are home or away.
Located in a growing St. Cloud community near Narcoossee Road, Lake Nona, Orlando International Airport, major highways, shopping, dining, and Central Florida attractions, this home offers excellent convenience and lifestyle value. Seller is offering Owner Financing, creating a unique opportunity for buyers seeking flexible financing options. Buyer and buyer’s agent should verify all information, including room sizes, square footage, HOA dues, taxes, zoning, school assignments, community information, financing terms, and availability.
The property is being sold with an owner financing approach. Buyer is purchasing control of the holding trust that the property will be until the seller’s loan is satisfied/paid off. Buyer enjoys all the benefits of home ownership, same as the title holder. Listing agent is available to explain numbers, structure, and protections Proof of funds is mandatory for the down payment + closing costs
Welcome to 5820 Arboretum St in St. Cloud, FL, featuring the desirable Hayden floor plan, a spacious all-concrete-block single-family home designed with comfort, functionality, and modern living in mind. This beautiful home offers 5 bedrooms and 3 bathrooms with an open-concept layout that maximizes living space. The kitchen overlooks the dining area and great room, creating an ideal setting for entertaining, and features a large island with bar seating, stone countertops, stainless steel appliances, and ample cabinet space. Sliding glass doors and generous windows bring in natural light and provide access to the covered lanai, perfect for enjoying Florida indoor-outdoor living.
The first floor includes a flexible bonus room that can be used as a home office, den, playroom, or additional living area, along with a guest bedroom and full bathroom. Upstairs, the spacious primary suite offers a private en-suite bathroom and walk-in closet, while three additional bedrooms surround a versatile loft area, full bathroom, and conveniently located laundry room. The Hayden floor plan also includes smart home technology, allowing you to control key home features from your smart device whether you are home or away.
Located in a growing St. Cloud community near Narcoossee Road, Lake Nona, Orlando International Airport, major highways, shopping, dining, and Central Florida attractions, this home offers excellent convenience and lifestyle value. Seller is offering Owner Financing, creating a unique opportunity for buyers seeking flexible financing options. Buyer and buyer’s agent should verify all information, including room sizes, square footage, HOA dues, taxes, zoning, school assignments, community information, financing terms, and availability.
The property is being sold with an owner financing approach. Buyer is purchasing control of the holding trust that the property will be until the seller’s loan is satisfied/paid off. Buyer enjoys all the benefits of home ownership, same as the title holder. Listing agent is available to explain numbers, structure, and protections Proof of funds is mandatory for the down payment + closing costs
Property Details
Price:
$514,900
MLS #:
O6412182
Status:
Active
Beds:
5
Baths:
3
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
PRAIRIE OAKS
Neighborhood:
34771stcloudmagnoliasquare
Listed Date:
May 30, 2026
Finished Sq Ft:
2,601
Total Sq Ft:
3,118
Lot Size:
6,098 sqft / 0.14 acres (approx)
Year Built:
2024
See this Listing
Schools
Interior
Appliances
Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Kitchen Reverse Osmosis System, Microwave, Range Hood, Refrigerator, Washer, Water Filtration System
Bathrooms
3 Full Bathrooms
Cooling
Central Air
Flooring
Carpet, Tile
Heating
Central
Interior Features
Built-in Features, Eating Space In Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Solid Surface Counters, Stone Counters, Thermostat, Walk-In Closet(s)
Laundry Features
Laundry Room
Levels
Two
Exterior
Attached Garage YN
1
Construction Materials
Block, Stucco
Covered Spaces
2
Direction Faces
North
Exterior Features
None
Garage Spaces
2
Roof
Shingle
Financial
HOA Fee
$180
HOA Fee Frequency
Monthly
HOA Name
Empire Management Group, Inc.
HOA Phone
(407) 770-1748
Tax Year
2025
Taxes
$6,265
Map
Community
- Address5820 ARBORETUM STREET ST CLOUD FL
- SubdivisionPRAIRIE OAKS
- CityST CLOUD
- CountyOsceola
- Zip Code34771
Subdivisions in ST CLOUD
- Arnco Addition
- CANAVERAL ACRES
- CANAVERAL ACRES 2
- ED5 New Eden
- HP1 HOLOPAW
- HP101 HOLOPAW
- HP105 HOLOPAW
- HP106 HOLOPAW
- HP107 HOLOPAW
- HP109 HOLOPAW
- HP113 HOLOPAW
- HP114 HOLOPAW
- HP116 HOLOPAW
- HP117 HOLOPAW
- HP118 HOLOPAW
- HP126 HOLOPAW
- HP127 HOLOPAW
- HP130 HOLOPAW
- HP131 HOLOPAW
- HP133 HOLOPAW
- HP166 HOLOPAW
- HP167 HOLOPAW
- HP168 HOLOPAW
- HP170 HOLOPAW
- Hp171 HOLOPAW
- HP173 HOLOPAW
- HP174 HOLOPAW
- HP175 HOLOPAW
- HP177 HOLOPAW
- HP181 HOLOPAW
- HP186 HOLOPAW
- HP189 HOLOPAW
- HP190 HOLOPAW
- HP191 HOLOPAW
- HP193 HOLOPAW
- HP195 HOLOPAW
- HP196 HOLOPAW
- HP198 HOLOPAW
- HP200 HOLOPAW
- HP201 HOLOPAW
- HP202 HOLOPAW
- HP205 HOLOPAW
- HP206 HOLOPAW
- HP207 HOLOPAW
- HP209 HOLOPAW
- HP210 HOLOPAW
- HP211 HOLOPAW
- HP213 HOLOPAW
- HP214 HOLOPAW
- HP215 HOLOPAW
- HP217 HOLOPAW
- HP218 HOLOPAW
- HP22 HOLOPAW
- HP220 HOLOPAW
- HP221 HOLOPAW
- HP222 HOLOPAW
- HP223 HOLOPAW
- HP224 HOLOPAW
- HP225 HOLOPAW
- HP226 HOLOPAW
- HP227 HOLOPAW
- HP228 HOLOPAW
- HP233 HOLOPAW
- HP25 HOLOPAW
- HP34 HOLOPAW
- HP35 HOLOPAW
- HP46 HOLOPAW
- HP49 HOLOPAW
- HP6 HOLOPAW
- HP63 HOLOPAW
- HP7 HOLOPAW
- HP70 HOLOPAW
- HP72 HOLOPAW
- HP74 HOLOPAW
- HP75 HOLOPAW
- HP77 HOLOPAW
- HP79 HOLOPAW
- HP82 HOLOPAW
- HP83 HOLOPAW
- HP88 HOLOPAW
- HP90 HOLOPAW
- HP91 HOLOPAW
- HP93 HOLOPAW
- HP94 HOLOPAW
- HP96 HOLOPAW
- LAKESHORE AT NARCOOSSEE
- Magnolia Square
- PALM GARDENS CONDO
Market Summary
Current real estate data for Single Family in ST CLOUD as of Aug 29, 2026
1,249
Single Family Listed
103
Avg DOM
231
Avg $ / SqFt
$508,132
Avg List Price
Property Summary
- Located in the PRAIRIE OAKS subdivision, 5820 ARBORETUM STREET ST CLOUD FL is a Single Family for sale in ST CLOUD, FL, 34771. It is listed for $514,900 and features 5 beds, 3 baths, and has approximately 2,601 square feet of living space, and was originally constructed in 2024. The current price per square foot is $198. The average price per square foot for Single Family listings in ST CLOUD is $231. The average listing price for Single Family in ST CLOUD is $508,132. To schedule a showing of MLS#o6412182 at 5820 ARBORETUM STREET in ST CLOUD, FL, contact your InvestPro Properties, Inc. agent at 561-203-7022.
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Courtesy of LA ROSA REALTY LLC. Disclaimer: All data relating to real estate for sale on this page comes from the Broker Reciprocity (BR) of the Orlando/Tampa – FL. Detailed information about real estate listings held by brokerage firms other than InvestPro Properties, Inc. include the name of the listing broker. Neither the listing company nor InvestPro Properties, Inc. shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. The Broker providing this data believes it to be correct, but advises interested parties to confirm any item before relying on it in a purchase decision. Copyright 2026. Orlando/Tampa – FL. All rights reserved. 5820 ARBORETUM STREET
ST CLOUD, FL
