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Overview

3 bd3 ba1,748 sqft2 car garageSingle Family
TypeSingle Family
HOA$125/mo
Built2021
Lot3,485 sqft
Living area1,748 sqft
Price / sqft$234
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsIN Wall Pest SystemKitchen/Family Room ComboL DiningLiving Room/Dining Room ComboOpen FloorplanPest Guard System

2769 Franklin Rd is a 2021-built home in Split Oak Reserve, St Cloud. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,748 square feet of living space. Listed at $409,900 (about $234/sqft), 230 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $125 monthly.

From the listing

PRICE REDUCED TAKE ADVANTAGE OF A LOWER 4.75 INTEREST RATE WITH SELLERS PREFERED LENDER! Welcome to this beautifully built 2021 two-story home offering 3 bedrooms, 2.5 bathrooms, and a thoughtfully designed layout perfect for modern living. Located in a highly desirable school district and just minutes from Downtown Lake Nona, this home combines convenience with a peaceful setting tucked away from the hustle and bustle. Step inside to soaring high ceilings and an abundance of natural light that fills the open-concept living spaces. The spacious floor plan seamlessly connects the living, dining, and kitchen areas—ideal for both everyday living and entertaining. Upstairs, you’ll find a versatile layout featuring a convenient second-floor laundry room and a private balcony, perfect for enjoying your morning coffee or unwinding in the evening. The oversized primary suite is a true retreat, complete with a huge spa-like bathroom offering generous space and comfort. With ample storage, modern finishes, and room to grow, this home provides everything a new homeowner could want. Enjoy the perfect balance of being close to vibrant dining, shopping, and entertainment while living in a quiet, off-the-beaten-path community. Don’t miss this opportunity to own a nearly new home in one of the area’s most sought-after locations.

The essentials

Built
2021
Price / sqft
$234
On market
230 days
Annual tax
$5,613
HOA
$125/mo
Flood zone
X · Low risk
Lot
3,485 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
2 car garage
3,485 sqft lot
Lot size
1,748 sqft
Living area

Payment

Est. monthly payment
$2,936/mo
Down payment (20%)
$81,980
Property taxes
$468/mo
HOA
$125/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
3,485 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
230
Ceiling Fans(s)
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
L Dining
Living Room/Dining Room Combo
Open Floorplan
Pest Guard System
Primarybedroom Upstairs
Smart Home
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Thermostat
Balcony
Dishwasher
Disposal
Electric Water Heater
Microwave
Refrigerator
Washer
Water Filtration System
Water Softener
Whole House R.o. System
Elementary
VOYAGER K-8
Middle
VOYAGER K-8
High
Tohopekaliga High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$5,613
Parcel #
09-25-31-5023-0001-0180

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Split Oak Reserve
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
3,485 sqft
HOA
$125/mo
CASTLE MANAGEMENT - CASTLE GROUP

Price history

Date
Event
Price
9/21/2026
Price change
Source: Stellar MLS #O6385532
$409,900
$234/sqft
-
Price change
Source: Stellar MLS #O6385532
$410,000-4.4%
$235/sqft
2/26/2026
Listed for sale
Source: Stellar MLS #O6385532
$429,000
$245/sqft

Neighborhood

2769 Franklin Rd
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $409,900
$407,500 – $409,900
99.5% – 100% of listTops out right at the list price
80% of listList price
303 of the last 470 home closings in 34771 landed at this number or higher (64%). The median one sat 36 days before it went under contract, and this one is on day 230 after a $19,100 cut.

Sample: 470 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,936/mo
Principal & interest$2,138
Property taxes$468
Insurance$205
HOA$125
Down payment20% · $81,980
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$409,900

$234 per sq ft

Beds and baths

3 beds, 3 baths

Size

1,748 sq ft

Time on market

230 days

Year built

2021

Monthly payment

About $2,936/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,613 annual tax bill, insurance, and the $125/mo HOA fee.

HOA fee

$125/mo

Managed by CASTLE MANAGEMENT - CASTLE GROUP.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Have another question?

Brokered byCHARLES RUTENBERG REALTY ORLANDOListing agent: Uwem AkpanListing data from Stellar MLS, MLS# O6385532.

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