1043 CHAMBERLIN TRAIL, ST CLOUD, FL, 34772
Active102 days on marketListed Apr 13, 2026MLS #S5147741
About this home
1043 CHAMBERLIN TRAIL
Located in the highly sought-after Indian Lakes community with peaceful pond views, this spacious 5-bedroom, 4-bath home offers a versatile layout with the majority of the living space conveniently located on the first floor. The main level features four bedrooms, three full bathrooms, and two separate living areas, while upstairs a private loft retreat creates a third living space along with the fifth bedroom and fourth full bath, ideal for guests, older children, or a quiet escape within the home. The remodeled kitchen offers modern finishes and generous space for daily living and gatherings. Just off the kitchen and adjacent to the lanai, a charming breakfast nook provides the perfect spot for casual dining while overlooking the water. Formal living and dining areas offer even more room for entertaining. The primary suite is a true retreat with two separate vanities, his and hers walk-in closets, a large soaking tub, and a spacious separate shower. The oversized screened and roof-covered lanai creates an inviting outdoor living space perfect for morning coffee, relaxing evenings, family gatherings, and entertaining while taking in the tranquil pond views. With community amenities that include a pool and tennis courts, this Indian Lakes home offers exceptional space, comfort, and lifestyle in one of the area's most desirable neighborhoods.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,700
Sqft
0.25 ac
Lot size
2
Garage
2003
Year built
Two
Levels
$178
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.
$3,462 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$3,462/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Cloud actives
$178 vs $220
Days on market
102 vs 33 typical
Where $178/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
196 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1043 CHAMBERLIN TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$565,000
1155 SENECA TRAIL · same community
5 bd · 4 ba · 2,671 sqft · $212/sqft · 12 DOM
Sold · Jan ’26$425,000
1118 SENECA TRAIL · same community
4 bd · 3 ba · 1,970 sqft · $216/sqft · 36 DOM
Sold · Oct ’25$350,000
1452 CRAZY HORSE DRIVE · same community
3 bd · 2 ba · 1,635 sqft · $214/sqft · 95 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1043 CHAMBERLIN TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1043 CHAMBERLIN TRAIL — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
1043 CHAMBERLIN TRAIL FAQs
What would the monthly payment be for 1043 CHAMBERLIN TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,462/mo — principal and interest, the actual property-tax bill, the $77/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 1043 CHAMBERLIN TRAIL?+
The association fee works out to $77 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1043 CHAMBERLIN TRAIL?+
The most recent tax bill on record (2025) was $2,244. 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 1043 CHAMBERLIN TRAIL?+
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 $480,000, this home is listed about 13% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1043 CHAMBERLIN TRAIL?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$480,000 runs 30% above the ST CLOUD 34772 median — but at 2,700 sqft it's also 37% larger than the typical St Cloud listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
102 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $525,000, now $480,000 — a $45K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Diana Booth. MLS #S5147741.
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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