What it really costs to own in Florida.
Split Oak Estates HOA fees
St Cloud, Osceola County · 34771
Homes in Split Oak Estates (St Cloud) pay a median $1,308 a year in HOA dues, about $109 a month, based on 5 listings. Half fall between $1,308 and $1,308. None of the listings we reviewed report a CDD.
What the dues cover
- Common Area Taxes40% of listings
- Pool40% of listings
- Management20% of listings
- Recreational Facilities20% of listings
- Maintenance Grounds20% of listings
Amenities listed: Trail(s), Recreation Facilities.
Live inventory
For sale in Split Oak Estates right now
5 active listings
Split Oak Estates cost questions
How much are HOA fees in Split Oak Estates?
Homes in Split Oak Estates (St Cloud) pay a median $1,308 a year in HOA dues, about $109 a month, based on 5 listings. Half fall between $1,308 and $1,308.
Does Split Oak Estates have a CDD?
None of the listings we reviewed report a CDD. Check the tax bill on any home you're serious about: a CDD shows up there as a separate assessment.
What does it cost each month to own in Split Oak Estates, before the mortgage?
HOA and property tax come to about $565 a month at the medians (property tax median $5,470 a year). Insurance and the mortgage come on top. Property tax resets after a sale under Florida's homestead rules, so a buyer's bill can be higher than the seller's.
Where do these numbers come from?
Stellar MLS via Repliers listings in Split Oak Estates from January 2026 to October 2026: homes for sale now plus closed sales in that period, one data point per address (rentals excluded). Fees are converted to annual figures. Individual homes vary by association and home type, so confirm the exact fee on any home before you make an offer.
Source: Stellar MLS via Repliers, January 2026 to October 2026. Medians from 5 addressesin subdivisions matching “SPLIT OAK ESTATES”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.
Compare nearby communities
- Split Oak ReserveSt Cloud · HOA $1,380/yr
- SuncrestSt Cloud · HOA $1,044/yr
- BridgewalkSt Cloud · HOA $1,980/yr · CDD $2,545/yr
- Springhead LakesSt Cloud · HOA $1,848/yr · CDD $2,290/yr
- Hammock PointeSt Cloud · HOA $524/yr
- Lakeshore at NarcoosseeSt Cloud · HOA $3,474/yr
- Majestic OaksSt Cloud · HOA $992/yr
- Sunset GrovesSt Cloud · HOA $1,240/yr
- Brack RanchSt Cloud · HOA $1,114/yr
- Fells CoveKissimmee · HOA $640/yr
- Del Webb SunbridgeSt Cloud · HOA $5,376/yr · CDD $1,492/yr
- WiregrassSt Cloud · HOA $1,196/yr
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