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863 Arbor Green TRAIL

Saint Cloud, FL, 34771

For Sale $647,869 ($270.28 per Sq Ft)

$647,869 ($270.28 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

3 Bedrooms
3 Bathrooms
2,397 Sq Ft
7,400 Sq Ft

Description

Under Construction. MLS#O6260850 REPRESENTATIVE PHOTOS ADDED. New Build ~ May Completion! Welcome to your dream lifestyle in sunny St. Cloud, Florida, where every day feels like a vacation! In the exclusive, gated Esplanade community within Center Lake Ranch, enjoy peace, privacy, and stunning nature and pond views with just 300 homes. Resort-style living is a daily experience here—relax in the pool and spa, stay active in the fitness center, or treat yourself to a signature spa day. Whether you're lounging or playing pickleball, every day is an escape.
With pickleball, bocce, a Bark Park, concierge services, and community events, there’s always something to enjoy. Center Lake Ranch blends nature, family, and convenience, with trails, parks, and an 11-acre Central Park, all just minutes from major roads. Nearly half of the community remains untouched, offering peaceful serenity.

Now, let’s explore your new home—the Lazio model at Esplanade at Center Lake Ranch! Step into the welcoming foyer and find a cozy secondary bedroom, a full bathroom, and a study on the right. Down the hall, another secondary bedroom, full bathroom, and laundry room await. The spacious dining area flows effortlessly into the expansive gathering room and gourmet kitchen, with sweeping views of your outdoor lanai—perfect for entertaining or relaxing. The private primary suite, tucked away off the gathering room, boasts a luxurious en-suite bath with dual sinks, a spacious shower, a water closet, and an oversized walk-in closet. This is more than just a home—it’s your perfect retreat. Structural options added include; gourmet kitchen, study, casual dining extension, 8' interior doors, bay window at primary suite, extended covered lanai, and garage extension.

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$647,869
Property Type	Single Family Homes
Usable Sqft	2,397
Number of Stories	0 stories
Parking Spots	2 spots
Year Built	2025
Last Sold	Unknown
Sold Price	Unknown
HOA Fees:	$172.78
Association Name:	The Waters at Center Lake Ranch HOA
Association Amenities:	Unknown

APN #	NALOT#3
MLS #	O6260850
Property ID	321085460
Lot Sqft	7,400
Zoning	X
Days on Market	115
Original List Price	$675,245
Applicances	Cooktop, Dishwasher, Disposal, Exhaust Fan, Gas Water Heater, Microwave, Tankless Water Heater%
Date Updated	February 24, 2025
Date Created	November 27, 2024

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Your payment
$4,697
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Estimated payment	$4,697 /mo
Loan amount	$647,869
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$4,697
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $982,924 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$4,530	$481	$4,049	$647,388
2	$4,530	$484	$4,046	$646,904
3	$4,530	$487	$4,043	$646,418
4	$4,530	$490	$4,040	$645,928
5	$4,530	$493	$4,037	$645,435
6	$4,530	$496	$4,034	$644,939
7	$4,530	$499	$4,031	$644,440
8	$4,530	$502	$4,028	$643,937
9	$4,530	$505	$4,025	$643,432
10	$4,530	$509	$4,021	$642,923
11	$4,530	$512	$4,018	$642,412
12	$4,530	$515	$4,015	$641,897
13	$4,530	$518	$4,012	$641,379
14	$4,530	$521	$4,009	$640,857
15	$4,530	$525	$4,005	$640,332
16	$4,530	$528	$4,002	$639,805
17	$4,530	$531	$3,999	$639,273
18	$4,530	$535	$3,995	$638,739
19	$4,530	$538	$3,992	$638,201
20	$4,530	$541	$3,989	$637,660
21	$4,530	$545	$3,985	$637,115
22	$4,530	$548	$3,982	$636,567
23	$4,530	$551	$3,979	$636,016
24	$4,530	$555	$3,975	$635,461
25	$4,530	$558	$3,972	$634,902
26	$4,530	$562	$3,968	$634,340
27	$4,530	$565	$3,965	$633,775
28	$4,530	$569	$3,961	$633,206
29	$4,530	$572	$3,958	$632,634
30	$4,530	$576	$3,954	$632,058
31	$4,530	$580	$3,950	$631,478
32	$4,530	$583	$3,947	$630,895
33	$4,530	$587	$3,943	$630,308
34	$4,530	$591	$3,939	$629,717
35	$4,530	$594	$3,936	$629,123
36	$4,530	$598	$3,932	$628,525
37	$4,530	$602	$3,928	$627,923
38	$4,530	$605	$3,925	$627,318
39	$4,530	$609	$3,921	$626,709
40	$4,530	$613	$3,917	$626,095
41	$4,530	$617	$3,913	$625,479
42	$4,530	$621	$3,909	$624,858
43	$4,530	$625	$3,905	$624,233
44	$4,530	$629	$3,901	$623,605
45	$4,530	$632	$3,898	$622,972
46	$4,530	$636	$3,894	$622,336
47	$4,530	$640	$3,890	$621,695
48	$4,530	$644	$3,886	$621,051
49	$4,530	$648	$3,882	$620,403
50	$4,530	$652	$3,878	$619,750
51	$4,530	$657	$3,873	$619,093
52	$4,530	$661	$3,869	$618,433
53	$4,530	$665	$3,865	$617,768
54	$4,530	$669	$3,861	$617,099
55	$4,530	$673	$3,857	$616,426
56	$4,530	$677	$3,853	$615,749
57	$4,530	$682	$3,848	$615,067
58	$4,530	$686	$3,844	$614,381
59	$4,530	$690	$3,840	$613,691
60	$4,530	$694	$3,836	$612,997
61	$4,530	$699	$3,831	$612,298
62	$4,530	$703	$3,827	$611,595
63	$4,530	$708	$3,822	$610,887
64	$4,530	$712	$3,818	$610,175
65	$4,530	$716	$3,814	$609,459
66	$4,530	$721	$3,809	$608,738
67	$4,530	$725	$3,805	$608,013
68	$4,530	$730	$3,800	$607,283
69	$4,530	$734	$3,796	$606,548
70	$4,530	$739	$3,791	$605,809
71	$4,530	$744	$3,786	$605,065
72	$4,530	$748	$3,782	$604,317
73	$4,530	$753	$3,777	$603,564
74	$4,530	$758	$3,772	$602,806
75	$4,530	$762	$3,768	$602,044
76	$4,530	$767	$3,763	$601,277
77	$4,530	$772	$3,758	$600,505
78	$4,530	$777	$3,753	$599,728
79	$4,530	$782	$3,748	$598,946
80	$4,530	$787	$3,743	$598,160
81	$4,530	$792	$3,739	$597,368
82	$4,530	$796	$3,734	$596,572
83	$4,530	$801	$3,729	$595,770
84	$4,530	$806	$3,724	$594,964
85	$4,530	$811	$3,719	$594,152
86	$4,530	$817	$3,713	$593,336
87	$4,530	$822	$3,708	$592,514
88	$4,530	$827	$3,703	$591,687
89	$4,530	$832	$3,698	$590,855
90	$4,530	$837	$3,693	$590,018
91	$4,530	$842	$3,688	$589,176
92	$4,530	$848	$3,682	$588,328
93	$4,530	$853	$3,677	$587,475
94	$4,530	$858	$3,672	$586,617
95	$4,530	$864	$3,666	$585,753
96	$4,530	$869	$3,661	$584,884
97	$4,530	$874	$3,656	$584,010
98	$4,530	$880	$3,650	$583,130
99	$4,530	$885	$3,645	$582,244
100	$4,530	$891	$3,639	$581,353
101	$4,530	$897	$3,633	$580,457
102	$4,530	$902	$3,628	$579,555
103	$4,530	$908	$3,622	$578,647
104	$4,530	$913	$3,617	$577,733
105	$4,530	$919	$3,611	$576,814
106	$4,530	$925	$3,605	$575,889
107	$4,530	$931	$3,599	$574,959
108	$4,530	$937	$3,593	$574,022
109	$4,530	$942	$3,588	$573,080
110	$4,530	$948	$3,582	$572,132
111	$4,530	$954	$3,576	$571,177
112	$4,530	$960	$3,570	$570,217
113	$4,530	$966	$3,564	$569,251
114	$4,530	$972	$3,558	$568,279
115	$4,530	$978	$3,552	$567,301
116	$4,530	$984	$3,546	$566,316
117	$4,530	$991	$3,539	$565,326
118	$4,530	$997	$3,533	$564,329
119	$4,530	$1,003	$3,527	$563,326
120	$4,530	$1,009	$3,521	$562,317
121	$4,530	$1,016	$3,514	$561,301
122	$4,530	$1,022	$3,508	$560,280
123	$4,530	$1,028	$3,502	$559,251
124	$4,530	$1,035	$3,495	$558,217
125	$4,530	$1,041	$3,489	$557,175
126	$4,530	$1,048	$3,482	$556,128
127	$4,530	$1,054	$3,476	$555,074
128	$4,530	$1,061	$3,469	$554,013
129	$4,530	$1,067	$3,463	$552,945
130	$4,530	$1,074	$3,456	$551,871
131	$4,530	$1,081	$3,449	$550,790
132	$4,530	$1,088	$3,442	$549,703
133	$4,530	$1,094	$3,436	$548,609
134	$4,530	$1,101	$3,429	$547,507
135	$4,530	$1,108	$3,422	$546,399
136	$4,530	$1,115	$3,415	$545,284
137	$4,530	$1,122	$3,408	$544,162
138	$4,530	$1,129	$3,401	$543,033
139	$4,530	$1,136	$3,394	$541,897
140	$4,530	$1,143	$3,387	$540,754
141	$4,530	$1,150	$3,380	$539,604
142	$4,530	$1,157	$3,373	$538,446
143	$4,530	$1,165	$3,365	$537,282
144	$4,530	$1,172	$3,358	$536,110
145	$4,530	$1,179	$3,351	$534,930
146	$4,530	$1,187	$3,343	$533,744
147	$4,530	$1,194	$3,336	$532,550
148	$4,530	$1,202	$3,328	$531,348
149	$4,530	$1,209	$3,321	$530,139
150	$4,530	$1,217	$3,313	$528,922
151	$4,530	$1,224	$3,306	$527,698
152	$4,530	$1,232	$3,298	$526,466
153	$4,530	$1,240	$3,290	$525,227
154	$4,530	$1,247	$3,283	$523,979
155	$4,530	$1,255	$3,275	$522,724
156	$4,530	$1,263	$3,267	$521,461
157	$4,530	$1,271	$3,259	$520,190
158	$4,530	$1,279	$3,251	$518,911
159	$4,530	$1,287	$3,243	$517,625
160	$4,530	$1,295	$3,235	$516,330
161	$4,530	$1,303	$3,227	$515,027
162	$4,530	$1,311	$3,219	$513,716
163	$4,530	$1,319	$3,211	$512,397
164	$4,530	$1,328	$3,202	$511,069
165	$4,530	$1,336	$3,194	$509,733
166	$4,530	$1,344	$3,186	$508,389
167	$4,530	$1,353	$3,177	$507,036
168	$4,530	$1,361	$3,169	$505,675
169	$4,530	$1,370	$3,160	$504,306
170	$4,530	$1,378	$3,152	$502,928
171	$4,530	$1,387	$3,143	$501,541
172	$4,530	$1,395	$3,135	$500,146
173	$4,530	$1,404	$3,126	$498,742
174	$4,530	$1,413	$3,117	$497,329
175	$4,530	$1,422	$3,108	$495,907
176	$4,530	$1,431	$3,099	$494,476
177	$4,530	$1,440	$3,090	$493,037
178	$4,530	$1,449	$3,081	$491,588
179	$4,530	$1,458	$3,072	$490,131
180	$4,530	$1,467	$3,063	$488,664
181	$4,530	$1,476	$3,054	$487,188
182	$4,530	$1,485	$3,045	$485,703
183	$4,530	$1,494	$3,036	$484,209
184	$4,530	$1,504	$3,026	$482,705
185	$4,530	$1,513	$3,017	$481,192
186	$4,530	$1,523	$3,007	$479,670
187	$4,530	$1,532	$2,998	$478,138
188	$4,530	$1,542	$2,988	$476,596
189	$4,530	$1,551	$2,979	$475,045
190	$4,530	$1,561	$2,969	$473,484
191	$4,530	$1,571	$2,959	$471,913
192	$4,530	$1,581	$2,949	$470,332
193	$4,530	$1,590	$2,940	$468,742
194	$4,530	$1,600	$2,930	$467,142
195	$4,530	$1,610	$2,920	$465,531
196	$4,530	$1,620	$2,910	$463,911
197	$4,530	$1,631	$2,899	$462,280
198	$4,530	$1,641	$2,889	$460,639
199	$4,530	$1,651	$2,879	$458,988
200	$4,530	$1,661	$2,869	$457,327
201	$4,530	$1,672	$2,858	$455,655
202	$4,530	$1,682	$2,848	$453,973
203	$4,530	$1,693	$2,837	$452,281
204	$4,530	$1,703	$2,827	$450,577
205	$4,530	$1,714	$2,816	$448,863
206	$4,530	$1,725	$2,805	$447,139
207	$4,530	$1,735	$2,795	$445,404
208	$4,530	$1,746	$2,784	$443,657
209	$4,530	$1,757	$2,773	$441,900
210	$4,530	$1,768	$2,762	$440,132
211	$4,530	$1,779	$2,751	$438,353
212	$4,530	$1,790	$2,740	$436,563
213	$4,530	$1,801	$2,729	$434,761
214	$4,530	$1,813	$2,717	$432,948
215	$4,530	$1,824	$2,706	$431,124
216	$4,530	$1,835	$2,695	$429,289
217	$4,530	$1,847	$2,683	$427,442
218	$4,530	$1,858	$2,672	$425,583
219	$4,530	$1,870	$2,660	$423,713
220	$4,530	$1,882	$2,648	$421,831
221	$4,530	$1,894	$2,636	$419,938
222	$4,530	$1,905	$2,625	$418,033
223	$4,530	$1,917	$2,613	$416,115
224	$4,530	$1,929	$2,601	$414,186
225	$4,530	$1,941	$2,589	$412,245
226	$4,530	$1,953	$2,577	$410,291
227	$4,530	$1,966	$2,564	$408,325
228	$4,530	$1,978	$2,552	$406,347
229	$4,530	$1,990	$2,540	$404,357
230	$4,530	$2,003	$2,527	$402,354
231	$4,530	$2,015	$2,515	$400,339
232	$4,530	$2,028	$2,502	$398,311
233	$4,530	$2,041	$2,489	$396,271
234	$4,530	$2,053	$2,477	$394,217
235	$4,530	$2,066	$2,464	$392,151
236	$4,530	$2,079	$2,451	$390,072
237	$4,530	$2,092	$2,438	$387,980
238	$4,530	$2,105	$2,425	$385,875
239	$4,530	$2,118	$2,412	$383,757
240	$4,530	$2,132	$2,398	$381,625
241	$4,530	$2,145	$2,385	$379,480
242	$4,530	$2,158	$2,372	$377,322
243	$4,530	$2,172	$2,358	$375,150
244	$4,530	$2,185	$2,345	$372,965
245	$4,530	$2,199	$2,331	$370,766
246	$4,530	$2,213	$2,317	$368,553
247	$4,530	$2,227	$2,303	$366,327
248	$4,530	$2,240	$2,290	$364,086
249	$4,530	$2,254	$2,276	$361,832
250	$4,530	$2,269	$2,261	$359,563
251	$4,530	$2,283	$2,247	$357,281
252	$4,530	$2,297	$2,233	$354,984
253	$4,530	$2,311	$2,219	$352,672
254	$4,530	$2,326	$2,204	$350,346
255	$4,530	$2,340	$2,190	$348,006
256	$4,530	$2,355	$2,175	$345,651
257	$4,530	$2,370	$2,160	$343,282
258	$4,530	$2,384	$2,146	$340,897
259	$4,530	$2,399	$2,131	$338,498
260	$4,530	$2,414	$2,116	$336,083
261	$4,530	$2,429	$2,101	$333,654
262	$4,530	$2,445	$2,085	$331,209
263	$4,530	$2,460	$2,070	$328,749
264	$4,530	$2,475	$2,055	$326,274
265	$4,530	$2,491	$2,039	$323,783
266	$4,530	$2,506	$2,024	$321,277
267	$4,530	$2,522	$2,008	$318,755
268	$4,530	$2,538	$1,992	$316,217
269	$4,530	$2,554	$1,976	$313,663
270	$4,530	$2,570	$1,960	$311,094
271	$4,530	$2,586	$1,944	$308,508
272	$4,530	$2,602	$1,928	$305,906
273	$4,530	$2,618	$1,912	$303,288
274	$4,530	$2,634	$1,896	$300,654
275	$4,530	$2,651	$1,879	$298,003
276	$4,530	$2,667	$1,863	$295,335
277	$4,530	$2,684	$1,846	$292,651
278	$4,530	$2,701	$1,829	$289,950
279	$4,530	$2,718	$1,812	$287,232
280	$4,530	$2,735	$1,795	$284,498
281	$4,530	$2,752	$1,778	$281,746
282	$4,530	$2,769	$1,761	$278,977
283	$4,530	$2,786	$1,744	$276,190
284	$4,530	$2,804	$1,726	$273,386
285	$4,530	$2,821	$1,709	$270,565
286	$4,530	$2,839	$1,691	$267,726
287	$4,530	$2,857	$1,673	$264,869
288	$4,530	$2,875	$1,655	$261,995
289	$4,530	$2,893	$1,637	$259,102
290	$4,530	$2,911	$1,619	$256,192
291	$4,530	$2,929	$1,601	$253,263
292	$4,530	$2,947	$1,583	$250,316
293	$4,530	$2,966	$1,564	$247,350
294	$4,530	$2,984	$1,546	$244,366
295	$4,530	$3,003	$1,527	$241,363
296	$4,530	$3,021	$1,509	$238,342
297	$4,530	$3,040	$1,490	$235,302
298	$4,530	$3,059	$1,471	$232,242
299	$4,530	$3,078	$1,452	$229,164
300	$4,530	$3,098	$1,432	$226,066
301	$4,530	$3,117	$1,413	$222,949
302	$4,530	$3,137	$1,393	$219,812
303	$4,530	$3,156	$1,374	$216,656
304	$4,530	$3,176	$1,354	$213,480
305	$4,530	$3,196	$1,334	$210,285
306	$4,530	$3,216	$1,314	$207,069
307	$4,530	$3,236	$1,294	$203,833
308	$4,530	$3,256	$1,274	$200,577
309	$4,530	$3,276	$1,254	$197,301
310	$4,530	$3,297	$1,233	$194,004
311	$4,530	$3,317	$1,213	$190,686
312	$4,530	$3,338	$1,192	$187,348
313	$4,530	$3,359	$1,171	$183,989
314	$4,530	$3,380	$1,150	$180,609
315	$4,530	$3,401	$1,129	$177,208
316	$4,530	$3,422	$1,108	$173,785
317	$4,530	$3,444	$1,086	$170,341
318	$4,530	$3,465	$1,065	$166,876
319	$4,530	$3,487	$1,043	$163,389
320	$4,530	$3,509	$1,021	$159,880
321	$4,530	$3,531	$999	$156,349
322	$4,530	$3,553	$977	$152,797
323	$4,530	$3,575	$955	$149,222
324	$4,530	$3,597	$933	$145,624
325	$4,530	$3,620	$910	$142,004
326	$4,530	$3,642	$888	$138,362
327	$4,530	$3,665	$865	$134,697
328	$4,530	$3,688	$842	$131,008
329	$4,530	$3,711	$819	$127,297
330	$4,530	$3,734	$796	$123,563
331	$4,530	$3,758	$772	$119,805
332	$4,530	$3,781	$749	$116,024
333	$4,530	$3,805	$725	$112,219
334	$4,530	$3,829	$701	$108,390
335	$4,530	$3,853	$677	$104,538
336	$4,530	$3,877	$653	$100,661
337	$4,530	$3,901	$629	$96,760
338	$4,530	$3,925	$605	$92,835
339	$4,530	$3,950	$580	$88,885
340	$4,530	$3,974	$556	$84,911
341	$4,530	$3,999	$531	$80,912
342	$4,530	$4,024	$506	$76,887
343	$4,530	$4,049	$481	$72,838
344	$4,530	$4,075	$455	$68,763
345	$4,530	$4,100	$430	$64,663
346	$4,530	$4,126	$404	$60,537
347	$4,530	$4,152	$378	$56,385
348	$4,530	$4,178	$352	$52,208
349	$4,530	$4,204	$326	$48,004
350	$4,530	$4,230	$300	$43,774
351	$4,530	$4,256	$274	$39,518
352	$4,530	$4,283	$247	$35,235
353	$4,530	$4,310	$220	$30,925
354	$4,530	$4,337	$193	$26,588
355	$4,530	$4,364	$166	$22,224
356	$4,530	$4,391	$139	$17,833
357	$4,530	$4,419	$111	$13,415
358	$4,530	$4,446	$84	$8,969
359	$4,530	$4,474	$56	$4,495
360	$4,530	$4,502	$28	$0

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