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Overview

4 bd3 ba2,617 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2019
Lot43,560 sqft
Living area2,617 sqft
Price / sqft$340
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsOpen FloorplanSplit BedroomWalk-in Closet(s)Fire PitHurricane ShuttersPrivate Yard

4840 Old Oak Trl is a 2019-built home in Runnymede Oaks Unrec, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,617 square feet of living space. Listed at $889,000 (about $340/sqft), 205 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Welcome to this rare NO HOA, highly desirable property offering privacy, flexibility, and all situated on a spacious acre of land complete with a serene pond. Located in a well sought-after neighborhood, this unique estate features two separate homes, making it perfect for multi-generational living. The second home may be used as a mother-in-law suite, guesthouse or residual income. The main residence boasts a 3-bedroom, 2-bath open floor plan designed for comfortable living and entertaining, highlighted by a gas stove in the kitchen. The bright and airy layout creates a seamless flow throughout the home. Both homes share a tankless gas water heater as well as septic tank and well water. The detached mother-in-law suite offers a 1 bedroom, 1 bath, full kitchen equipped with an electric stove, and its own laundry room. This secondary home also includes hurricane shutters. Enjoy the tranquility of your private pond and expansive outdoor space, all while being conveniently located near local amenities. This is a rare opportunity to own a versatile property with endless possibilities.

The essentials

Built
2019
Price / sqft
$340
On market
205 days
Annual tax
$4,044
Flood zone
X · Low risk
Lot
43,560 sqft
Type
Single Family Residence

At a glance

Single family
Built 2019
2 car garage
Garage Door Opener
1.00 acres
Lot size
2,617 sqft
Living area

Payment

Est. monthly payment
$5,418/mo
Down payment (20%)
$177,800
Property taxes
$337/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2019
Lot
43,560 sqft
Cooling
Central Air
Heating
Electric, Natural Gas
Parking
Garage Door Opener
Days on Market
205
Ceiling Fans(s)
High Ceilings
Open Floorplan
Split Bedroom
Walk-in Closet(s)
Fire Pit
Hurricane Shutters
Private Yard
Dishwasher
Disposal
Dryer
Gas Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Harmony High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,044
Parcel #
31-25-31-8000-0001-0840

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
Runnymede Oaks Unrec
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
43,560 sqft

Price history

Date
Event
Price
8/8/2026
Price change
Source: Stellar MLS #O6390897
$889,000-1.1%
$340/sqft
3/19/2026
Listed for sale
Source: Stellar MLS #O6390897
$899,000
$344/sqft

Neighborhood

4840 Old Oak Trl
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $889,000
$885,000 – $889,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 474 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 205 after a $10,000 cut.

Sample: 474 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$5,418/mo
Principal & interest$4,636
Property taxes$337
Insurance$445
Down payment20% · $177,800
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%. 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

$889,000

$340 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,617 sq ft

Time on market

205 days

Year built

2019

Monthly payment

About $5,418/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,044 annual tax bill, insurance.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Vanessa SuarezListing data from Stellar MLS, MLS# O6390897.

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