2754 MATERA DRIVE, ST CLOUD, FL, 34771
Active2 days on marketListed Jul 31, 2026MLS #O6429811
About this home
2754 MATERA DRIVE
Virtually Staged. This is the kind of home that makes an immediate impression; nearly 2,900 square feet of beautifully connected, single-story living with the space, style, and flexibility to truly settle in. Located in Split Oak Estates, this 4-bedroom, 2.5-bath home opens into an expansive great room where tray ceilings, recessed lighting, and wide-open sightlines create a bright, airy setting for both quiet evenings and memorable gatherings. At the center of it all is a showpiece kitchen designed to bring everyone together, featuring an oversized quartz island with generous seating, crisp white cabinetry, stainless steel appliances, double wall ovens, a statement vent hood, tile backsplash, and a walk-in pantry with exceptional storage. Two sets of oversized sliding glass doors blur the line between indoors and out, leading to a nearly 35-foot-long screened lanai. This impressive outdoor retreat offers plenty of room for dining and lounging, plus a built-in serving counter with a sink, storage cabinetry, an included undercounter wine refrigerator, and a dedicated adjacent space for a future grill. Beyond the screen enclosure, the fully fenced backyard is ready for play, pets, gardening, or simply enjoying the Florida sunshine. The oversized primary suite feels like a private escape with its tray ceiling, spacious bath, dual-sink granite vanity, walk-in shower, and an exceptionally large walk-in closet. Three additional bedrooms are thoughtfully separated for privacy, including a front bedroom with a closet that is perfectly positioned to serve as a quiet home office, study, or guest room. Tile flooring extends through the main living spaces and primary suite, while the secondary bedrooms offer soft carpeting. An interior laundry room with an included washer and dryer, attached garage, paver driveway, and polished low-maintenance landscaping add everyday convenience and curb appeal. Split Oak Estates rounds out the lifestyle with a community pool, playground, walking paths, and scenic ponds, all from a convenient St. Cloud location near the Lake Nona corridor, shopping, dining, and major roadways. Spacious without feeling overwhelming, polished without sacrificing comfort, and designed for the way people truly live—2754 Matera Drive is ready to feel like home.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,885
Sqft
0.18 ac
Lot size
3
Garage
2020
Year built
One
Levels
$194
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.
$4,266 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,266/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+4.2%
$/sqft vs St Cloud actives
$194 vs $219
Days on market
2 vs 33 typical
Where $194/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)
213 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 29% 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 2754 MATERA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$523,000
5647 Barletta Drive, Saint Cloud FL 34771 · same community
4 bd · 2.5 ba · 2,657 sqft · $197/sqft · 293 DOM
Sold · Jan ’26$523,000
5647 BARLETTA DRIVE · same community
4 bd · 2.5 ba · 2,657 sqft · $197/sqft · 293 DOM
Sold · Aug ’25$560,000
2896 MATERA DRIVE · same community
4 bd · 3 ba · 2,500 sqft · $224/sqft · 14 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 2754 MATERA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2754 MATERA DRIVE — 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
2754 MATERA DRIVE FAQs
What would the monthly payment be for 2754 MATERA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,266/mo — principal and interest, the actual property-tax bill, the $109/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 2754 MATERA DRIVE?+
The association fee works out to $109 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2754 MATERA DRIVE?+
The most recent tax bill on record (2025) was $5,437. 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 2754 MATERA DRIVE?+
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 $559,999, this home is listed about 32% 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 2754 MATERA DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Peter Luu. MLS #O6429811.
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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