True comps, carrying-cost math, and listings before the portals.
🟡 Balanced market. 4.0 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of July 15, 2026. Confidence: Medium (2 active and pending listings, 6 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($565K) is up 18.4% from the prior 12 months ($477K). With about 6 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending July 15. Confidence: Medium (6 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Split Oak Estates St Cloud market snapshot (as of July 15, 2026): the median sale price is about $565K ($204 per sq ft over the trailing 12 months of closed sales), a median 139 days on market for closed sales, and 4.0 months of supply, a balanced market. The trailing-12-month median is up 18% from the prior 12 months, computed from record-level Stellar MLS closed sales (6 closings in the current window).
Split Oak Estates St Cloud is a community of 220 homes in ST CLOUD, Osceola County, built between 1982 and 2022 (median 2020.0), with a median living area of about 3,173 square feet. 77% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Aerial and on-site photos of Split Oak Estates St Cloud. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Split Oak Estates St Cloud
Split Oak Estates St Cloud
Split Oak Estates St Cloud
Split Oak Estates St Cloud
Split Oak Estates St Cloud
Split Oak Estates St CloudTight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.
Live from Stellar MLS, as of June 27, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current SPLIT OAK ESTATES listings and the trailing twelve months of closed sales.
Our proprietary read on how a home in SPLIT OAK ESTATES buys, holds, and resells. See the five factors.
Live MLS inventory for SPLIT OAK ESTATES. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending SPLIT OAK ESTATES listings as of 2026-06-27, priced high to low. Listings courtesy of Stellar MLS as distributed by MLS GRID.. Tap any home to ask about it.
Every active, pending, and recently sold home, plotted. Toggle the layers, color the dots by status or lot type, and tap a home for the details.
Listing locations from Stellar MLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from SPLIT OAK ESTATES. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Explore more neighborhoods near SPLIT OAK ESTATES Homes for Sale in St Cloud, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
SPLIT OAK ESTATES is served by Osceola County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
Buying with schools in mind? We can confirm the exact zoned schools for any SPLIT OAK ESTATES address.
What actually shapes value at SPLIT OAK ESTATES, reported and pointed to public records. We do not publish rumor.
Our read on what is being built around SPLIT OAK ESTATES, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.
Location and character in St Cloud
Established community profile
Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.
Development, infrastructure, retail, and school activity affecting SPLIT OAK ESTATES, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.
Showing the latest, scroll for all updates ↓
SPLIT OAK ESTATES is recorded as a subdivision or community in St Cloud, Osceola County, Florida. Treat the details as reported and verify the parcel, the association status, and the boundaries with the Osceola County Property Appraiser. Why it matters: The location and character are the story; value turns on condition, the product, and the comp. Source
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
If we were buying in SPLIT OAK ESTATES, this is the order of operations we would run, and the one we run for our clients.
Confirm the systems and updates, roof, HVAC, electrical, and plumbing for the home's vintage.
Confirm the product and the lot, the exact type, the lot, and the position within the community.
Confirm the HOA status and dues, whether an association is mandatory, the dues, coverage, and any assessments.
Use the St Cloud location, but comp by condition rather than location alone.
Comp within SPLIT OAK ESTATES by condition, not the broader market.
On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.
SPLIT OAK ESTATES is a residential community in St Cloud (Osceola County), Florida, in the Greater Orlando area. Homes are zoned to the county public schools by address; verify the current zoning with the district, and confirm the association status, dues, product, and condition for a specific home. Treat all details as reported and verify with the Osceola County Property Appraiser.
Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.
Here are the broad resale bands in SPLIT OAK ESTATES today. The right home is the one matched to your budget and the renovation math, so seeing fitting listings early is the edge.
The most attainable product is the homes that need updates. Confirm the dues and systems, and budget the work before assuming a value.
The core is updated homes in sound condition. Condition, the product, and the lot separate these.
The top end is the larger or fully updated homes. These trade on the finish, the product, and the location.
Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.
Median sale price over the trailing 12 months ending July 15 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($565K) IS the median in the snapshot above, and the move from 2025 ($477K) IS the +18.4% one-year change.
Windows contain 0 to 18 sales each (6 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Deemed reliable but not guaranteed.
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
Median sale prices in SPLIT OAK ESTATES year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
33% of homes for sale in ZIP 34771 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-07-18).
SPLIT OAK ESTATES is currently a buyer's market. About 6.0 months of supply, a median asking price of $585,000, and homes go under contract in about 2 days.
Typical home value in the 34771 ZIP is $438,186, about 13.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Live MLS inventory for Split Oak Estates St Cloud. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Split Oak Estates St Cloud listings as of 2026-07-16, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap, tiles © CARTO.
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
If we were buying in Split Oak Estates St Cloud today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Split Oak Estates St Cloud.
At a median of $204 per square foot, Split Oak Estates St Cloud prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.0 months of supply, a balanced market and the trailing-12-month median up 18% year over year. Homes that do trade take a median 139 days on market, useful leverage on any listing that has lingered.
The housing stock is 220 homes built between 1982 and 2022, and 77% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Split Oak Estates St Cloud. The deal is won or lost on condition, the comps, and the renovation math.
Our proprietary 0 to 10 read across the factors that decide how a home in Split Oak Estates St Cloud buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.7). Basis: Recent Direction +18.4% year-over-year; Liquidity & Demand 4.0 months of supply; Owner Commitment 77% owner-occupied; Pricing Power 95.6% sale-to-list. Refreshed with each data update.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Split Oak Estates St Cloud sales matched to your home.
If you are thinking about selling in Split Oak Estates St Cloud, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
Get a no-obligation home value based on real comparable sales in Split Oak Estates St Cloud, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Split Oak Estates St Cloud on the map →
SPLIT OAK ESTATES is currently a buyer's market. About 6.0 months of supply, a median asking price of $585,000, and homes go under contract in about 2 days.
Typical home value in the 34771 ZIP is $438,186, about 13.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Explore more neighborhoods near Split Oak Estates St Cloud with Momentum Realty’s local guides.
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (4 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2018 (50 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.
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Buying or researching Osceola County? See the full Osceola County real estate market report - prices, inventory, schools, taxes, and every Osceola County neighborhood.
Own a home here?
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the local market average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
