


$649,990
5664 Oak Knoll DriveSt Cloud, FL 34771
Listing updated: October 13, 2026 at 8:49 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
**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!!
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history20 days on market
- Status: ActiveSep 23, 2026
- Listed$649,990Sep 23, 2026
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 20
- Subdivision
- Split Oak Reserve Ph 2
- County
- Osceola
- Year built
- 2022
- Living area
- 3,593 sq ft
- Price/sq ft
- $181
- Building area
- 4,302 sq ft (Public Records)
- Lot size
- 6,098 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12097C0105G)
- Garage
- 2 spaces
- Annual taxes
- $9,376 (2025)
- Parcel #
- 09-25-31-5024-0001-1270
- Zoning
- SINGLE FAM
- MLS #
- O6444153
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Interior Details
- Bedrooms
- 5
- Full bathrooms
- 4
- Half bathrooms
- 1
- Flooring
- Carpet, Tile
- Appliances
- Dishwasher, Dryer, Microwave, Range, Range Hood, Refrigerator, Washer
- Interior features
- Eat-in Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, PrimaryBedroom Upstairs, Walk-In Closet(s)
- Laundry
- Laundry Room, Upper Level
- Stories / Levels
- Two
- Direction faces
- North
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
- Parking features
- Driveway
HOA & Financial
- HOA fee
- $115 / Monthly
- Monthly HOA
- $115/mo
- Total monthly fees
- $115/mo
- Total annual fees
- $1,380
- HOA name
- Jamal Bentham
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 1-2 Years
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- Buyer to verify any restrictions with HOA and county.
- Approval process
- Buyer to verify any restrictions with HOA and county.
Exterior & Construction
- Construction materials
- Block, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Road surface
- Asphalt, Paved
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Available, Sewer Available, Water Available
Community
- Pets allowed
- Yes
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Bathroom 3 | Second | 7.8x4.9 |
| Dining Room | First | 12.1x12.7 |
| Living Room | First | 21.3x15.4 |
| Kitchen | First | 16.2x15.4 |
| Dinette | First | 16.2x9.11 |
| Bedroom 2 | First | 11.2x11.2 |
| Bathroom 2 | First | 5.3x9.5 |
| Bathroom 4 | Second | 4.9x10 |
| Office | First | 10.2x17.4 |
| Loft | Second | 17.3x15.11 |
| Primary Bedroom | Second | 14.4x15.11 |
| Primary Bathroom | Second | 10.7x12.2 |
| Bedroom 3 | Second | 11.8x10.11 |
| Bedroom 4 | Second | 15.3x11.11 |
| Bedroom 5 | Second | 12.2x13.1 |
Listing Details
- Listing date
- 2026-09-23
- On market date
- 2026-09-23
- Original list price
- $649,990
- Occupant type
- Owner
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Lake and Sumter
- Status changed
- 2026-09-23
- Tax legal description
- SPLIT OAK RESERVE PH 2 PB 30 PGS 46-46A LOT 127
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Heading south on FL Turnpike, take the exit for FL-417 N. Continue for 7 miles, then take exit 22 for Narcoossee Rd turning right. Continue for 5 miles, then turn left onto Cyrils Dr. Turn right onto Franklin Rd. Turn left onto Arborvista Dr. Turn right onto Oak Knoll Dr and it will be on the left.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of October 13, 2026 at 8:49 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
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