Single Family Residence in MAJESTIC OAKS, ST CLOUD · No CDD on record
MAJESTIC OAKS · St Cloud, FL 34771 · Osceola County
Listing data checked against the MLS October 28, 2026 at 3:56 PM ET · rechecked hourly
Listed by EXP REALTY LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
2,173Sq Ft
1984Year Built
$214Per Sq Ft
2-car garageNo CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
17% below
$/sq ft vs community
$214 here vs $259 median sold (12 mo)
Buyer leverage
Balanced market
75 days on market
4.8 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
3292 Majestic Oak Drive in Majestic Oaks, St Cloud is listed at $465,000 (2,173 sq ft, about $214 per sq ft). It has been listed Aug 14, 2026. Listing facts: built in 1984, HOA dues of $83/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1984 · 42 yrs
2,173 sq ft of living area
2-car garage
Listed at $465,000 — recent neighborhood median sale price ~$590,000 (nearby sales; deemed reliable, not an appraisal)
listed Aug 14, 2026
HOA $83/mo (per listing)
Listing description
About this home
PRICE IMPROVEMENT! Space, privacy, and a beautiful half-acre setting come together at this 3-bedroom, 2-bath home in the established Majestic Oaks community of St. Cloud.
Set beneath mature oak trees on approximately 0.52 acres, the property offers over 2,100 square feet of living space, a two-car garage, and an expansive backyard with plenty of room to enjoy the outdoors. Inside, the single-story layout provides multiple living and gathering spaces, including a bright front living area with a large bay window, a separate dining room, and a spacious main living area. The kitchen offers an abundance of wood cabinetry and counter space, along with a large wraparound serving bar with room for seating and built-in recessed lighting overhead—creating a great spot for casual meals, morning coffee, or conversation while keeping the kitchen connected to the surrounding living areas.
Just off the kitchen, a built-in workstation with desk space, cabinetry, and drawers provides a convenient place for working from home, homework, or keeping everyday essentials organized. The primary bedroom is comfortably sized with an adjoining bath, dedicated vanity area, and a spacious walk-in closet with plenty of room and storage for two. Two additional bedrooms provide flexibility for family, guests, or a home office.
The dedicated laundry room adds extra convenience with a utility sink, built-in cabinetry, and additional workspace and storage. One of the home's standout spaces is the oversized screened Florida room, featuring a warm wood-plank ceiling, multiple ceiling fans, and a wall of screened windows overlooking the backyard. It creates an inviting transition between indoor and outdoor living while taking full advantage of the property's peaceful, tree-lined surroundings.
Outside, the large backyard offers an impressive amount of open green space surrounded by mature landscaping, giving you room to relax, entertain, garden, or simply enjoy having more space between you and your neighbors. A generous half-acre homesite, spacious interior, and convenient St. Cloud location, this property offers a combination of space, privacy, and character that's increasingly hard to find.
All 31 photos
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
Listing courtesy of EXP REALTY LLC · Listing agent: Steve Pugh · 407-846-0940Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$465,000
Bed / bath3 / 2
Living area2,173 sq ft
Year built1984
Property typeSingle Family Residence
Garage2-car
MLS #S5155475
Listing statuslisted Aug 14, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Ground elevation~64 ft
CountyOsceola
Area listings0 active · 0 under contract
Estimated first-year tax~$6,325/yr
CDD assessmentNone on record
HOA$83/mo
Calculated estimates
Price per sq ft$214
Estimated monthly payment$3,418
Insurance (illustrative)$2k–$4k/yr
Messtimate range$506,309 – $567,153
Comparable-sales median$590,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$3,418/mo
Principal & interest $2,555/mo75%
Taxes $527/mo15%
Insurance $252/mo7%
HOA $83/mo2%
$3,418/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Osceola County rate (15.23 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
Current owner’s estimated bill $6,800/yr ($567/mo) — taxable value $447,000 × 15.23 mills
$475 less each year
(−7%)
The current taxable value ($447,000) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$447,000
Market value
$447,000
Assessed
$447,000
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 3292 Majestic Oak Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $6,800/yr (certified county roll, taxable value × millage). Buy at the asking price of $465,000 and the first-year bill resets to about $6,325/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 15.23 mills (county-average millage, estimate)); Save Our Homes caps later increases at 3%/yr.
HOA dues
$83/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,500/yr; neither is a quote.
Roof and age
Built in 1984. An original roof would be about 42 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $755/month (tax $527, HOA $83, insurance $145). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$83/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
~64 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Osceola County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Low
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailVery Low
Cold waveRelatively Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Majestic Oaks St Cloud
Pricing & the Majestic Oaks St Cloud market
How this home is priced against recent nearby sales, and where Majestic Oaks St Cloud has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1984BuiltPer public record
About Aug 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-08-14" data-fmt="dom">listed Aug 14, 2026</span>)
Oct 2, 2026First seen on movewithmomentum.comObserved at $465,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $465,000Momentum Realty · listed Aug 14, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in MAJESTIC OAKS in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$590,000
5369 CROOKED OAK CIRCLE, ST CLOUD
4 / 2 bd/ba · 2,279 sq ft · $259/sq ft
Courtesy of FLORIDA LUX LISTINGS, LLC · View details →
Sold Jun 2026
$590,000
5369 CROOKED OAK CIRCLE, ST CLOUD
4 / 2 bd/ba · 2,279 sq ft · $259/sq ft
Courtesy of FLORIDA LUX LISTINGS, LLC · View details →
Sold May 2026
$538,000
5374 CROOKED OAK CIRCLE, ST CLOUD
3 / 2 bd/ba · 2,311 sq ft · $233/sq ft
Courtesy of REAL BROKER, LLC · View details →
Sold May 2026
$538,000
5374 CROOKED OAK CIRCLE, ST CLOUD
3 / 2 bd/ba · 2,311 sq ft · $233/sq ft
Courtesy of REAL BROKER, LLC · View details →
Sold Sep 2026
$606,000
3271 MAJESTIC OAK DRIVE, ST CLOUD
4 / 2 bd/ba · 2,320 sq ft · $261/sq ft
Courtesy of RE/MAX ADVANTAGE · View details →
Sold Sep 2026
$606,000
3271 MAJESTIC OAK DRIVE, ST CLOUD
4 / 2 bd/ba · 2,320 sq ft · $261/sq ft
Courtesy of RE/MAX ADVANTAGE · View details →
Median of these 6 sales: $590,000 ($259/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$503,400the mess$566,000
Strong local evidence — built from 8 comparable closed sales in MAJESTIC OAKS (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $465,000 ($214/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 12% spread on the same house — here is what a model can't see:
Condition & updates — a 1984 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $83/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
2 active listings competing, 1 under contract
5 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (8) + tax-roll just value × local sale-to-roll ratio (1 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 28, 2026.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 4.8 months of supply in the surrounding market and 75 days on market for this home, against a 61-day area median.Days on market:this home 75Area median: 61 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 23, 2026.
🟡 Asking $214 per square foot, about 17% below the community’s $259 median. Majestic Oaks St Cloud’s 12-month median sold price per square foot is $259. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Checked against the MLS October 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # S5155475
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Keep looking
Similar homes for sale near MAJESTIC OAKS
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Infrastructure
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
Why it matters: If built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The site is about 3 miles northeast of Majestic Oaks St Cloud.
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
Why it matters: A new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 4 miles northwest of Majestic Oaks St Cloud.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Osceola County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3292 Majestic Oak Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1984 (42 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $83/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Osceola County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,173 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,325/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $475 less per year than the current owner’s estimated bill (−7%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 28, 2026)
Comparable sales
Stellar MLS closed sales in MAJESTIC OAKS, last 18 months, as of August 23, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 3292 Majestic Oak Drive and when was it built?
Per the listing record, 3292 Majestic Oak Drive was built in 1984 and has 2,173 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3292 Majestic Oak Drive in?
3292 Majestic Oak Drive is in Majestic Oaks in St Cloud, Osceola County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3292 Majestic Oak Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $83 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3292 Majestic Oak Drive differ from the current owner's?
The estimate on this page (about $6,325 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $475 less per year than the current owner’s estimated bill (−7%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3292 Majestic Oak Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 3292 MAJESTIC OAK DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
