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Overview

4 bd3 ba2,336 sqftSingle Family
TypeSingle Family
HOA$115/mo
Built2027
Lot7,200 sqft
Living area2,336 sqft
Price / sqft$281

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

New construction · 2027

Different rules apply when you buy new

Build snapshot

Build year
2027
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

2342 Branched Oak Road is a 2027-built home in The Landing's At Live Oak, St Cloud. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,336 square feet of living space. Listed at $656,690 (about $281/sqft), 19 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. Discover the perfect blend of luxury, comfort, and convenience with the stunning Ashby home. This one-story 4 bedrooms, 3 bathrooms, 3 car garage home offers everything you need for an effortless lifestyle. The open concept living area flows effortlessly, combining the kitchen, café, and gathering room into one expansive space that feels airy and inviting. Soaring tall ceilings, 8’ interior doors, and a luxurious double tray ceiling elevate the entire area, adding a sense of grandeur while maintaining an intimate, welcoming atmosphere perfect for entertaining. The pocket sliding glass doors, which connect the living area to the covered lanai, flood the home with natural light, creating a bright, vibrant environment that brings the outdoors in. The heart of the home is the chef-inspired kitchen, where white cabinetry meets luxurious quartz countertops. Thoughtfully designed features like soft-close drawers, easy-reach corner cabinets, double roll-out trays, and a waste basket drawer make the kitchen as functional as it is beautiful. Whirlpool stainless steel appliances—including a refrigerator and a built-in cooktop—ensure you have everything you need for both everyday meals and special occasions. The private Owner’s Suite, located at the back corner of the home for ultimate privacy, offers a tranquil retreat with a spa-inspired en suite bathroom, oversized walk-in closet, linen closet, walk-in shower with a rain shower head, and enclosed toilet. The Ashby also features two spare bedrooms located in the opposite back corner of the home and a third spare bedroom at the front of the home, allowing privacy for everyone. A 3-car garage provides plenty of space for vehicles, storage, or hobbies. Don't miss the chance to see this home today!

The essentials

Built
2027
Price / sqft
$281
On market
19 days
Annual tax
$859
HOA
$115/mo
Flood zone
X · Low risk
Lot
7,200 sqft
Type
Single Family Residence

At a glance

Single family
Built 2027
Community pool
Shared amenity
7,200 sqft lot
Lot size
2,336 sqft
Living area
Brand new
Built 2027

Payment

Est. monthly payment
$3,940/mo
Down payment (20%)
$131,338
Property taxes
$72/mo
HOA
$115/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2027
Lot
7,200 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
Driveway, Garage Door Opener
Days on Market
19
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
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Microwave
Range Hood
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 #
08-26-31-0128-0001-1680

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
7,200 sqft
ClearedLandscapedPaved
HOA
$115/mo
The Landing's at Live Oak Homeowner's Association

Price history

Date
Event
Price
10/31/2026
Price change
Source: Stellar MLS #O6453306
$656,690-3.7%
$281/sqft
10/27/2026
Listed for sale
Source: Stellar MLS #O6453306
$681,690
$292/sqft

Neighborhood

2342 Branched Oak Road
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $656,690
$655,000 – $656,690
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 473 home closings in 34771 landed at this number or higher (64%). The median one sat 37 days before it went under contract, and this one is on day 19 after a $25,000 cut.

Sample: 473 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
$3,940/mo
Principal & interest$3,425
Property taxes$72
Insurance$328
HOA$115
Down payment20% · $131,338
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

$656,690

$281 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,336 sq ft

Time on market

19 days

Year built

2027

Monthly payment

About $3,940/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# O6453306.

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