Costs of owning

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Split Oak Reserve HOA fees

St Cloud, Osceola County · 34771, 34769

Homes in Split Oak Reserve (St Cloud) pay a median $1,380 a year in HOA dues, about $115 a month, based on 11 listings. Half fall between $1,380 and $1,380. None of the listings we reviewed report a CDD.

HOA, median
$1,380/yr
About $115 a month
CDD, median
None reported
Property tax, median
$6,366/yr
Seller's bill; resets after a sale
Monthly, before mortgage
$646
HOA + tax at the medians

What the dues cover

  • Pool27% of listings

Amenities listed: Pool.

Live inventory

For sale in Split Oak Reserve right now

8 active listings

2722 Forestdale St
ActiveNew
House for sale
$610,000
5 bed3 bath2,386 sqft0.14 acre lot
2722 Forestdale St
St Cloud, FL, 34771
Brokered by EMPIRE NETWORK REALTY
2723 Forestdale St
Active
House for sale
$479,500
3 bed2 bath2,208 sqft0.14 acre lot
2723 Forestdale St
St Cloud, FL, 34771
Brokered by PREMIER BROKERS INTERNATIONAL
5664 Oak Knoll Dr
Active
House for sale
$649,990
5 bed5 bath3,593 sqft0.14 acre lot
5664 Oak Knoll Dr
St Cloud, FL, 34771
Brokered by DENIZ REALTY PARTNERS LLC
5616 Arborvista Dr
Active
House for sale
$510,000
4 bed4 bath2,904 sqft0.13 acre lot
5616 Arborvista Dr
St Cloud, FL, 34771
Brokered by MARKET CONNECT REALTY LLC
2701 Timbergrove Street
Active
House for sale
$715,000
3 bed3 bath2,500 sqft0.24 acre lot
2701 Timbergrove Street
St Cloud, FL, 34771
Brokered by CHARLES RUTENBERG REALTY ORLANDO
5674 Arborvista Dr
Active
House for sale
$660,000
5 bed5 bath3,593 sqft0.14 acre lot
5674 Arborvista Dr
St Cloud, FL, 34769
Brokered by VS INTERNATIONAL PROPERTIES
2712 Timbergrove St
ActivePrice reduced
House for sale
$599,900
$15k
4 bed4 bath2,904 sqft0.14 acre lot
2712 Timbergrove St
St Cloud, FL, 34771
Brokered by LPT REALTY, LLC
2769 Franklin Rd
ActivePrice reduced
House for sale
$409,900
$19k
3 bed3 bath1,748 sqft0.08 acre lot
2769 Franklin Rd
St Cloud, FL, 34771
Brokered by CHARLES RUTENBERG REALTY ORLANDO
See all 8 Split Oak Reserve homes

Split Oak Reserve cost questions

How much are HOA fees in Split Oak Reserve?

Homes in Split Oak Reserve (St Cloud) pay a median $1,380 a year in HOA dues, about $115 a month, based on 11 listings. Half fall between $1,380 and $1,380.

Does Split Oak Reserve 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 Reserve, before the mortgage?

HOA and property tax come to about $646 a month at the medians (property tax median $6,366 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 Reserve 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 11 addressesin subdivisions matching “SPLIT OAK RESERVE”, phases combined. Listing data is reported by listing agents and can be out of date. Updated 2026-10-11.

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