Split Oak Reserve St Cloud
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
Split Oak Reserve St Cloud right now
🟢 Buyer-leaning market. 16.0 months of supply and 56% of the inventory already under contract give buyers above-average negotiating leverage.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 (9 active and pending listings, 2 closed sales in 12 months).
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
The setting & the homes.
Aerial and on-site photos of Split Oak Reserve St Cloud. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Split Oak Reserve St Cloud
Split Oak Reserve St Cloud
Split Oak Reserve St Cloud
Split Oak Reserve St Cloud
Split Oak Reserve St Cloud
Split Oak Reserve St CloudThe market around Split Oak Reserve St Cloud
Split Oak Reserve St Cloud is a small community — 47 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
The housing mix here is 90% single family residence, 10% ?.
ZIP and county figures describe the wider market, not Split Oak Reserve St Cloud specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Split Oak Reserve St Cloud, ST CLOUD
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Split Oak Reserve St Cloud
Live MLS inventory for Split Oak Reserve 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 · 1 daysTop listing
Active · 24 days
Active · 28 days
Active · 77 days
Active · 17 days
Active · 1 days
Pending · 118 daysActive and pending Split Oak Reserve St Cloud listings as of 2026-08-23, 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.
Split Oak Reserve St Cloud on the map.
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.
Life at Split Oak Reserve St Cloud
- Pool · reported on 10 of 10 listings
- Playground · reported on 6 of 10 listings
- Deed Restrictions · reported on 2 of 10 listings
- Trail(s) · reported on 2 of 10 listings
- Park · reported on 1 of 10 listings
- Dog Park · reported on 1 of 10 listings
- Association Recreation - Owned · reported on 1 of 10 listings
- Community Mailbox · reported on 1 of 10 listings
- Irrigation-Reclaimed Water · reported on 1 of 10 listings
- Security Fencing/Lighting/Alarms · reported on 1 of 10 listings
- Secured Garage/Parking · reported on 1 of 10 listings
- Security Lights · reported on 1 of 10 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- VOYAGER K-8 · Elementary
- VOYAGER K-8 · Middle
- Tohopekaliga High School · High
Zoned schools reflect the assignments reported on recent Split Oak Reserve St Cloud listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Split Oak Reserve St Cloud address.
The Split Oak Reserve St Cloud buying strategy.
If we were buying in Split Oak Reserve 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Reserve St Cloud.
A closer look at the Split Oak Reserve St Cloud market
Inventory runs at 16.0 months of supply, a buyer-leaning market.
The housing stock is 146 homes built between 1982 and 2023, and 53% 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 Reserve St Cloud. The deal is won or lost on condition, the comps, and the renovation math.
HOA, CDD & Fees
- Mandatory HOA. Confirm current dues
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Split Oak Reserve St Cloud buy.
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 Reserve St Cloud sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Split Oak Reserve St Cloud, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Split Oak Reserve St Cloud home worth?
Get a no-obligation home value based on real comparable sales in Split Oak Reserve 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 Reserve St Cloud on the map →
SPLIT OAK RESERVE Market Scorecard
SPLIT OAK RESERVE is currently a strong buyer's market. About 24.0 months of supply, a median asking price of $632,500, and homes go under contract in about 20 days.
Go deeper: county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Split Oak Reserve St Cloud a buyer's or seller's market right now?
How many homes are in Split Oak Reserve St Cloud?
What share of Split Oak Reserve St Cloud is owner-occupied?
When were the homes in Split Oak Reserve St Cloud built?
Do cash buyers compete in Split Oak Reserve St Cloud?
Who is the best real estate agent for Split Oak Reserve St Cloud?
How do I find a top ST CLOUD real estate agent who knows Split Oak Reserve St Cloud?
Can Momentum Realty connect me with an agent for Split Oak Reserve St Cloud?
Nearby Communities
Explore more neighborhoods near Split Oak Reserve St Cloud with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (6 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2021 (41 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?
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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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