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Overview

5 bd5 ba3,593 sqft2 car garageSingle Family
TypeSingle Family
HOA$115/mo
Built2022
Lot6,098 sqft
Living area3,593 sqft
Price / sqft$181
Garage2 car

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

About this home

Eat-in KitchenHigh CeilingsLiving Room/Dining Room ComboOpen FloorplanPrimarybedroom UpstairsWalk-in Closet(s)PlaygroundPool

5664 Oak Knoll Dr is a 2022-built home in Split Oak Reserve Ph 2, St Cloud. Inside you'll find 5 bedrooms, 5 bathrooms, and 3,593 square feet of living space. Listed at $649,990 (about $181/sqft), 18 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $115 monthly.

From the listing

**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Welcome to modern living with no rear neighbors! Built in 2022, this beautifully designed 5 bedroom, 4.5 bathroom home in St.Cloud combines contemporary finishes, flexible living spaces, and a fantastic location just minutes from Lake Nona Town Center. A manicured front lawn, spacious driveway, and covered front entry create a warm welcome from the moment you arrive. Step inside and you're greeted by soaring ceilings, abundant natural light, recessed lighting, and modern finishes that give the home a bright and polished feel. The first floor is designed for versatility, featuring a private bedroom with its own en suite bathroom, making it an excellent space for overnight guests or multi-generational living. A dedicated home office provides the perfect setting for remote work, studying, or managing your day-to-day schedule without sacrificing privacy. At the center of the home, the living, dining, and kitchen areas come together in an open-concept layout that makes entertaining and everyday life feel effortless. The kitchen features a spacious island with breakfast bar seating, a beautiful tile backsplash, stainless steel range with a coordinating hood, crown-molded cabinetry, and a large walk-in pantry with plenty of room for organization. Hosting meals of any size in this home feels like a breeze, and the layout ensures you never miss a moment with your loved ones, no matter the task at hand! Additionally, a conveniently located half bath downstairs adds privacy and functionality when hosting. Upstairs, a versatile loft adds even more living space and can easily be transformed into a media room, playroom, secondary lounge, or whatever best fits your family's needs. The additional bedrooms provide generous space and natural light, while the primary suite creates a private retreat away from the main living areas. The primary bedroom includes a large walk-in closet and an en suite bathroom with a spacious shower, rain shower head, and dual-sink vanity, so getting ready in the morning is easy! A dedicated upstairs laundry room adds another layer of convenience to daily routines. Step outside to the fenced backyard, where artificial turf creates a clean, low-maintenance outdoor space. The covered patio provides an inviting setting for al fresco dining, weekend gatherings, or simply enjoying the Florida sunshine. With no rear neighbors behind the property, the backyard feels especially peaceful and private. With a low monthly HOA, and a layout designed to adapt to your lifestyle, this home is ready to welcome its next owners.The community also features amenities for residents to enjoy, such as the sparkling pool and playground. Location is another major highlight! Less than 15 minutes from Lake Nona Town Center, you'll have easy access to shopping, restaurants, farmers markets, entertainment, and community events. Grocery stores, everyday conveniences, great schools, and major highways are also nearby, making it easy to get wherever you need to go throughout Central Florida. With modern construction, a flexible floor plan, no rear neighbors, and a prime location, this St. Cloud home is ready for its next chapter. Schedule your private showing TODAY!!

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The essentials

Built
2022
Price / sqft
$181
On market
18 days
Annual tax
$9,376
HOA
$115/mo
Flood zone
X · Low risk
Lot
6,098 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Community pool
Shared amenity
2 car garage
Driveway
6,098 sqft lot
Lot size
3,593 sqft
Living area

Payment

Est. monthly payment
$4,611/mo
Down payment (20%)
$129,998
Property taxes
$781/mo
HOA
$115/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
6,098 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
18
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Open Floorplan
Primarybedroom Upstairs
Walk-in Closet(s)
Playground
Pool
Sidewalks
Dishwasher
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
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.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$9,376
Parcel #
09-25-31-5024-0001-1270

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 Ph 2
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
6,098 sqft
SidewalkPaved
HOA
$115/mo
Jamal Bentham

Price history

Date
Event
Price
9/23/2026
Listed for sale
Source: Stellar MLS #O6444153
$649,990
$181/sqft

Neighborhood

5664 Oak Knoll Dr
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $649,990
$645,000 – $649,990
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 18.

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
$4,611/mo
Principal & interest$3,390
Property taxes$781
Insurance$325
HOA$115
Down payment20% · $129,998
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

$649,990

$181 per sq ft

Beds and baths

5 beds, 5 baths

Size

3,593 sq ft

Time on market

18 days

Year built

2022

Monthly payment

About $4,611/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $9,376 annual tax bill, insurance, and the $115/mo HOA fee.

HOA fee

$115/mo

Managed by Jamal Bentham.

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 byDENIZ REALTY PARTNERS LLCListing agent: Christopher SotoListing data from Stellar MLS, MLS# O6444153.

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