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Overview

4 bd3 ba2,894 sqft2 car garageSingle Family
TypeSingle Family
HOA$115/mo
Built2026
Lot6,000 sqft
Living area2,894 sqft
Price / sqft$197
Garage2 car

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

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
THE LANDING'S AT LIVE OAK
Type
Single Family Residence

True monthly carry

HOA
~$115/mo
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPest Guard SystemPrimary Bedroom Main FloorSplit BedroomStone Counters

2204 Branched Oak Road is a 2026-built home in The Landing's At Live Oak, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,894 square feet of living space. Listed at $569,480 (about $197/sqft), 39 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $115 monthly.

From the listing

Under Construction. Explore The Landings at Live Oak Lake, a new single-family home community blending city charm with a distinct identity, all without a CDD. Situated between downtown St. Cloud and Lake Nona, it offers private amenities such as a pool & cabana, playground, trails, and playfield amidst serene ponds and conservation homesites. The new two-story Whitestone home combines modern elegance with practical living, offering 4 bedrooms, an enclosed flex room, 2 full bathrooms, a powder room, and a 2-car garage. Upon entry, you’re welcomed by the enclosed flex room and a conveniently located powder room. The foyer leads you toward the heart of the home, where the kitchen, gathering room, and café seamlessly flow together, all overlooking the covered lanai. Natural light pours in from the pocket sliding glass door, creating an inviting atmosphere throughout. The heart of the home is the chef-inspired kitchen, where 42" soft-close white cabinetry meets luxurious quartz countertops. A stainless-steel single-bowl sink enhance the space, while the Whirlpool stainless steel appliances— including a refrigerator—ensure you have everything you need for both everyday meals and special occasions. The owner’s suite, conveniently located on the main level, is a luxurious retreat. It features an en suite bathroom with a frameless glass enclosed shower, quartz-topped dual vanity, private water closet, and an expansive walk-in closet. Upstairs, the spacious loft provides additional living space, while three additional bedrooms and one full bathroom, offer ample room for relaxation. Throughout the home, professionally curated design selections and premium finishes elevate the living experience. Wood-look luxury vinyl plank flooring spans the entire first floor, the bathrooms and laundry room are outfitted with tile, while soft, stain-resistant Shaw carpet enhances the loft and upstairs bedrooms. Additional touches such as matte black plumbing fixtures and hardware, 2” faux wood blinds, and Whirlpool washer and dryer add both style and convenience. The open spindle railing at the staircase complete the home’s elegant feel. Enjoy the convenience of modern living with a smart thermostat, video doorbell, and LED down lights. This Whitestone home is where luxury and practicality meet. Don’t miss your chance to make this exceptional home yours—schedule a tour today!

The essentials

Built
2026
Price / sqft
$197
On market
39 days
Annual tax
$859
HOA
$115/mo
Flood zone
X · Low risk
Lot
6,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Driveway
6,000 sqft lot
Lot size
2,894 sqft
Living area

Payment

Est. monthly payment
$3,441/mo
Down payment (20%)
$113,896
Property taxes
$72/mo
HOA
$115/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
6,000 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener
Days on Market
39
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Pest Guard System
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Thermostat
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Sidewalk
Community Mailbox
Playground
Pool
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Hickory Tree Elem
Middle
Harmony Middle
High
Harmony High

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

Flood Zone X
Annual Tax (2025)
$859
Parcel #
08-26-31-0128-0001-1910

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
The Landing's At Live Oak
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,000 sqft
ClearedLandscapedSidewalkPaved
HOA
$115/mo
The Landing's at Live Oak Homeowner's Association

Price history

Date
Event
Price
10/10/2026
Price change
Source: Stellar MLS #O6438659
$569,480-0.4%
$197/sqft
9/2/2026
Listed for sale
Source: Stellar MLS #O6438659
$571,970
$198/sqft

Neighborhood

2204 Branched Oak Road
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $569,480
$565,000 – $569,480
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 39 after a $2,490 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
$3,441/mo
Principal & interest$2,970
Property taxes$72
Insurance$285
HOA$115
Down payment20% · $113,896
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

$569,480

$197 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,894 sq ft

Time on market

39 days

Year built

2026

Monthly payment

About $3,441/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $859 annual tax bill, insurance, and the $115/mo HOA fee.

HOA fee

$115/mo

Managed by The Landing's at Live Oak Homeowner's Association.

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 byPULTE REALTY OF NORTH FLORIDA LLCListing agent: Adrienne EscottListing data from Stellar MLS, MLS# O6438659.

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