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Overview

4 bd3 ba2,885 sqft3 car garageSingle Family
TypeSingle Family
HOA$109/mo
Built2020
Lot7,841 sqft
Living area2,885 sqft
Price / sqft$187
Garage3 car

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About this home

Ceiling Fans(s)Dry BarEat-in KitchenLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone Counters

2754 Matera Dr is a 2020-built home in Split Oak Estates, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,885 square feet of living space. Listed at $539,999 (about $187/sqft), 71 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $109 monthly.

From the listing

Virtually Staged. This is the kind of home that makes an immediate impression; nearly 2,900 square feet of beautifully connected, single-story living with the space, style, and flexibility to truly settle in. Located in Split Oak Estates, this 4-bedroom, 2.5-bath home opens into an expansive great room where tray ceilings, recessed lighting, and wide-open sightlines create a bright, airy setting for both quiet evenings and memorable gatherings. At the center of it all is a showpiece kitchen designed to bring everyone together, featuring an oversized quartz island with generous seating, crisp white cabinetry, stainless steel appliances, double wall ovens, a statement vent hood, tile backsplash, and a walk-in pantry with exceptional storage. Two sets of oversized sliding glass doors blur the line between indoors and out, leading to a nearly 35-foot-long screened lanai. This impressive outdoor retreat offers plenty of room for dining and lounging, plus a built-in serving counter with a sink, storage cabinetry, an included undercounter wine refrigerator, and a dedicated adjacent space for a future grill. Beyond the screen enclosure, the fully fenced backyard is ready for play, pets, gardening, or simply enjoying the Florida sunshine. The oversized primary suite feels like a private escape with its tray ceiling, spacious bath, dual-sink granite vanity, walk-in shower, and an exceptionally large walk-in closet. Three additional bedrooms are thoughtfully separated for privacy, including a front bedroom with a closet that is perfectly positioned to serve as a quiet home office, study, or guest room. Tile flooring extends through the main living spaces and primary suite, while the secondary bedrooms offer soft carpeting. An interior laundry room with an included washer and dryer, attached garage, paver driveway, and polished low-maintenance landscaping add everyday convenience and curb appeal. Split Oak Estates rounds out the lifestyle with a community pool, playground, walking paths, and scenic ponds, all from a convenient St. Cloud location near the Lake Nona corridor, shopping, dining, and major roadways. Spacious without feeling overwhelming, polished without sacrificing comfort, and designed for the way people truly live—2754 Matera Drive is ready to feel like home.

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The essentials

Built
2020
Price / sqft
$187
On market
71 days
Annual tax
$5,437
HOA
$109/mo
Flood zone
X · Low risk
Lot
7,841 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
Community pool
Shared amenity
3 car garage
Driveway
7,841 sqft lot
Lot size
2,885 sqft
Living area

Payment

Est. monthly payment
$3,648/mo
Down payment (20%)
$108,000
Property taxes
$453/mo
HOA
$109/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
7,841 sqft
Cooling
Central Air
Heating
Electric, Heat Pump
Parking
Driveway, Garage Door Opener, Tandem
Days on Market
71
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Private Yard
Rain Gutters
Sidewalk
Community Mailbox
Playground
Pool
Sidewalks
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range Hood
Refrigerator
Washer
Wine Refrigerator
Elementary
Narcoossee Elementary
Middle
Narcoossee Middle
High
Tohopekaliga High School

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,437
Parcel #
09-25-31-5022-0001-0690

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 Estates
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
7,841 sqft
City LimitsLevelPrivateSidewalkPaved
HOA
$109/mo
VIA First Service Residential/ Hunter Chastain

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #O6429811
$539,999-0.9%
$187/sqft
-
Price change
Source: Stellar MLS #O6429811
$545,000-2.7%
$189/sqft
7/31/2026
Listed for sale
Source: Stellar MLS #O6429811
$559,999
$194/sqft

Neighborhood

2754 Matera Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $539,999
$535,000 – $539,999
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 71 after a $20,000 cut.

Sample: 474 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
$3,648/mo
Principal & interest$2,816
Property taxes$453
Insurance$270
HOA$109
Down payment20% · $108,000
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 is the fee 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

$539,999

$187 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,885 sq ft

Time on market

71 days

Year built

2020

Monthly payment

About $3,648/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,437 annual tax bill, insurance, and the $109/mo HOA fee.

HOA fee

$109/mo

Managed by VIA First Service Residential/ Hunter Chastain.

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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Brokered byREAL BROKER, LLCListing agent: Peter LuuListing data from Stellar MLS, MLS# O6429811.

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