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2781 King Oak Cir, Saint Cloud, FL, 34769

2beds
2baths
962sqft
$199,900
$208price/sqft
$1,560/moest. monthly cost
$62,400/yrincome needed

About This Home

Under contract-accepting backup offers. PRICE REDUCED!! Great 2 bedroom, 2 bath villa located in the desirable King Oak Villas community. The roof was replaced in 2023, the A/C in 2021 and new appliances in 2023. All you need is a splash of paint and new flooring to make this place your own!! Open plan living and dining room combo with vaulted ceilings make for a light and airy feeling. With both master bedroom and second bedroom featuring en-suite bathrooms, a breakfast nook in the kitchen and a screened lanai to enjoy the wonderful Florida weather, this property has it all. Add 2 community swimming pools and a location with shops, restaurants and schools within easy reach, not to mention the close proximity to Orlando airport, major theme parks and Florida's turnpike!! VIEW NOW while you still can.

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
Neptune Elementary SchoolGrades PK-51.2 mi
7/10
St. Cloud Middle SchoolGrades 6-82.5 mi
4/10
St. Cloud High SchoolGrades PK,9-122.2 mi

Construction

Condition

  • Year built: 1988

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: Inside

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 131.25
  • Dimensions: 10.5x12.5

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Living Room/Dining Room Combo,Vaulted Ceiling(s)
  • Door features: Sliding Doors
  • Window features: Window Treatments
  • Flooring: Carpet,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,108
  • Total interior livable area: 962 sqft

Kitchen

  • Level: First
  • Area: 80
  • Dimensions: 8x10

Living Room

  • Level: First
  • Area: 256.25
  • Dimensions: 12.5x20.5

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 131.25
  • Dimensions: 10.5x12.5

Property

Details

  • Parcel number: 092630003400010460
  • Zoning: SPUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Sidewalk,Storage

Lot

  • Lot size: 1,612 sqft
  • Lot size dimensions: 30.33 x 52

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Inland Flooding
Tornado
Hurricane
Wildfire

FEMA Declared Disasters in Osceola County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,010$12,120
Home Insurance *$140$1,680
Property Taxes $213$2,556
Electricity $197$2,366
Total$1,560$18,720
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$53,485/yr
40% on housing$46,800/yr
45% on housing$41,600/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$208This listing

vs Other Active Listings

Avg $/sqft

ZIP 34769$144
Osceola County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 34769$236
Osceola County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-12Pending sale$199,900
2026-03-21Price change$199,900
2026-01-28Price change$205,000
2025-11-08Price change$223,900
2025-09-26Listed for sale$228,900
2025-08-12Listing removed$233,900
2025-08-04Price change$233,900
2025-05-20Price change$238,900
2025-04-17Listed for sale$245,000
2023-05-15Listing removed--
2023-05-01Listed for rent$1,550
2019-07-11Listing removed$1,150
2019-06-04Listed for rent$1,150
2012-03-06Listing removed$750
2012-02-22Listed for rent$750
1988-05-01Sold$53,900

For Sale by Agent

AgentKaren Orriss-Ross
BrokerageRAMADA PROPERTY GROUP

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