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Overview

4 bd4 ba2,904 sqft2 car garageSingle Family
TypeSingle Family
HOA$105/mo
Built2022
Lot5,990 sqft
Living area2,904 sqft
Price / sqft$176
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenPrimary Bedroom Main FloorStone CountersThermostatWalk-in Closet(s)Window TreatmentsSidewalk

5616 Arborvista Dr is a 2022-built home in Split Oak Reserve, St Cloud. Inside you'll find 4 bedrooms, 4 bathrooms, and 2,904 square feet of living space. Listed at $510,000 (about $176/sqft), 1 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $105 monthly.

From the listing

Short Sale. Now offered at a new price, this exceptional 2022-built home delivers modern design, flexible living spaces, and outstanding value in the highly desirable Split Oaks Reserve community. Featuring 4 bedrooms, 3.5 bathrooms, and a thoughtfully designed layout, this nearly new residence is ideal for today’s lifestyles. The spacious primary suite on the main level provides everyday convenience and privacy, while an additional flexible room on the first floor can easily serve as a home office, study, or guest space. The upgraded kitchen is the heart of the home, showcasing quartz countertops, a designer backsplash, and premium appliances, all opening seamlessly to an oversized family room—perfect for entertaining or relaxing. Upstairs, an expansive loft offers a second living or gathering area, complemented by a smart split-bedroom layout that includes an additional en-suite bedroom and Jack-and-Jill bedrooms sharing a full bath. This versatile floor plan easily accommodates family, guests, or multi-generational living. Enjoy Florida living year-round with a covered lanai and generous backyard, ideal for outdoor gatherings, play, or quiet evenings at home. Additional highlights include a paver driveway and numerous luxury upgrades throughout. Split Oaks Reserve offers desirable community amenities including a resort-style pool, cabana, playground, LOW HOA, and no CDD. Conveniently located near shopping, dining, and major roadways such as State Road 417 and State Road 528, with quick access to Lake Nona and Sunbridge. Exceptional value, modern finishes, and a prime location—schedule your private tour today and take advantage of this new pricing opportunity.

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The essentials

Built
2022
Price / sqft
$176
On market
37 days
Annual tax
$713
HOA
$105/mo
Flood zone
X · Low risk
Lot
5,990 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Community pool
Shared amenity
2 car garage
5,990 sqft lot
Lot size
2,904 sqft
Living area

Payment

Est. monthly payment
$3,079/mo
Down payment (20%)
$102,000
Property taxes
$59/mo
HOA
$105/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
5,990 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
37
Ceiling Fans(s)
Eat-in Kitchen
Primary Bedroom Main Floor
Stone Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Sidewalk
Playground
Pool
Cooktop
Dishwasher
Disposal
Electric Water Heater
Microwave
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)
$713
Parcel #
09 25 31 5023 0001 0970

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
5,990 sqft
HOA
$105/mo
JEDI Management

Price history

Date
Event
Price
9/3/2026
Listed for sale
Source: Stellar MLS #O6439410
$510,000
$176/sqft

Neighborhood

5616 Arborvista Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $510,000
$505,000 – $510,000
99.5% – 100% of listTops out right at the list price
80% of listList price
305 of the last 474 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 37.

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
$3,079/mo
Principal & interest$2,660
Property taxes$59
Insurance$255
HOA$105
Down payment20% · $102,000
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

$510,000

$176 per sq ft

Beds and baths

4 beds, 4 baths

Size

2,904 sq ft

Time on market

37 days

Year built

2022

Monthly payment

About $3,079/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $713 annual tax bill, insurance, and the $105/mo HOA fee.

HOA fee

$105/mo

Managed by JEDI Management.

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 byMARKET CONNECT REALTY LLCListing agent: Corey SmallmanListing data from Stellar MLS, MLS# O6439410.

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