
1401 HIDDEN OAKS BEND, ST CLOUD, FL, 34771
Active170 days on marketListed Feb 5, 2026MLS #O6378934
About this home
1401 HIDDEN OAKS BEND
Welcome to Hidden Oaks a quiet, GATED enclave of just 17 homes where SPACE, PRIVACY, and MODERN UPDATES come together on an OVERSIZED .61-ACRE CORNER LOT in this beautifully maintained 4 BEDROOM, 2.5 BATH POOL HOME near Lake Nona in one of Central Florida’s most desirable LOW-DENSITY communities! Perfectly positioned between Lake Nona, St. Cloud, and Kissimmee, this MOVE-IN READY POOL HOME offers UPDATED INTERIORS, ENERGY EFFICIENCY, FUNCTIONAL LAYOUT, and FLORIDA OUTDOOR LIVING with NO REAR NEIGHBORS and room to spread out both inside and out. Located near LAKESHORE BOULEVARD, EAST LAKE TOHO, boating, fishing, waterfront dining, walking trails, and year-round events at St. Cloud Lakefront Park, this home delivers the perfect blend of PRIVACY and CONVENIENCE buyers searching near Lake Nona are looking for. Major updates include a NEWER ROOF (2020), A/C (2020), WATER HEATER (2020), and SOLAR PANELS helping keep the average electric bill UNDER $50 PER MONTH, creating exceptional ENERGY EFFICIENCY and long-term savings. Adding even more value, this property DOES NOT REQUIRE FLOOD INSURANCE and includes an OWNED WATER SOFTENER. Inside, the home feels LIGHT, OPEN, and MOVE-IN READY with TILE FLOORS throughout the main level and plush carpet upstairs. The OPEN CONCEPT FLOOR PLAN centers around a beautifully UPDATED KITCHEN featuring KraftMaid CABINETRY, QUARTZ COUNTERTOPS, STAINLESS STEEL APPLIANCES, a contrasting ISLAND, OPEN SHELVING, recessed and pendant lighting, and excellent storage. The kitchen flows seamlessly into the living and dining areas while overlooking the PRIVATE SCREENED POOL and outdoor entertaining space ,the kind of OPEN LAYOUT buyers searching for POOL HOMES near Lake Nona and St. Cloud are actively looking for. The expansive FLORIDA ROOM creates true INDOOR/OUTDOOR LIVING with sliding doors opening to the PRIVATE POOL, LARGE BACKYARD, and peaceful natural surroundings. Mature trees, OPEN SKY VIEWS, and NO REAR NEIGHBORS create a tranquil backyard retreat rarely found in newer communities. The OVERSIZED .61-ACRE LOT also offers room for a possible IN-LAW SUITE, GUEST HOUSE, ADU, RV PARKING, BOAT STORAGE, WORKSHOP, or future expansion, making it ideal for MULTI-GENERATIONAL LIVING. The highly desirable SPLIT BEDROOM FLOOR PLAN provides privacy and flexibility. The PRIMARY SUITE features DUAL WALK-IN CLOSETS plus a spacious en-suite bath with dual vanities, SOAKING TUB, and separate shower. A dedicated HOME OFFICE makes WORK FROM HOME easy, while the upstairs BONUS ROOM/FLEX SPACE can function as a 4TH or 5TH BEDROOM, MEDIA ROOM, PLAYROOM, GAME ROOM, HOME GYM, or second office. Outside, the FULLY FENCED YARD offers plenty of room for entertaining, pets, recreation, or future possibilities. Whether you are searching for a HOME WITH A POOL, LARGE LOT, SOLAR HOME, HOME OFFICE, or simply a PRIVATE HOME NEAR LAKE NONA without high-density living, this property delivers a rare opportunity. Ideally located off Rummell Road, this home is just minutes from Lake Nona Medical City, Orlando International Airport, Downtown St. Cloud, shopping, dining, golf, marinas, public boat ramps, and SR-192 with direct access to Walt Disney World, Universal Orlando Resort, and major Central Florida attractions. Hidden Oaks is known for its QUIET STREETS, ESTATE-SIZED LOTS, LOW HOA, GATED ENTRY, and peaceful atmosphere while still being close to everything Central Florida has to offer. This HOME SWEET POOL HOME awaits.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,800
Sqft
0.61 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$250
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,850 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,850/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+5.3%
$/sqft vs St Cloud actives
$250 vs $220
Days on market
170 vs 33 typical
Where $250/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
195 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1401 HIDDEN OAKS BEND
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$590,000
815 128TH STREET NE · same community
4 bd · 3 ba · 2,634 sqft · $224/sqft · 56 DOM
Sold · Apr ’26$650,000
612 129TH STREET NE · same community
3 bd · 2.5 ba · 2,287 sqft · $284/sqft · 91 DOM
Sold · Feb ’26$575,000
3247 SATURN ROAD · same community
4 bd · 2.5 ba · 2,253 sqft · $255/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1401 HIDDEN OAKS BEND — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1401 HIDDEN OAKS BEND — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1401 HIDDEN OAKS BEND FAQs
What would the monthly payment be for 1401 HIDDEN OAKS BEND?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,850/mo — principal and interest, the actual property-tax bill, the $96/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1401 HIDDEN OAKS BEND?+
The association fee works out to $96 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1401 HIDDEN OAKS BEND?+
The most recent tax bill on record (2025) was $6,652. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1401 HIDDEN OAKS BEND?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $700,000, this home is listed about 65% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1401 HIDDEN OAKS BEND?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$700,000 runs 65% above the ST CLOUD 34771 median — but at 2,800 sqft it's also 42% larger than the typical St Cloud listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
170 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $750,000, now $700,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6378934.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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