
2204 BRANCHED OAK ROAD, ST CLOUD, FL, 34771
Active18 days on marketListed Sep 2, 2026MLS #O6438659
About this home
2204 BRANCHED OAK ROAD
Under Construction. Explore The Landings at Live Oak Lake, a new single-family home community blending city charm with a distinct identity, all without a CDD. Situated between downtown St. Cloud and Lake Nona, it offers private amenities such as a pool & cabana, playground, trails, and playfield amidst serene ponds and conservation homesites. The new two-story Whitestone home combines modern elegance with practical living, offering 4 bedrooms, an enclosed flex room, 2 full bathrooms, a powder room, and a 2-car garage. Upon entry, you’re welcomed by the enclosed flex room and a conveniently located powder room. The foyer leads you toward the heart of the home, where the kitchen, gathering room, and café seamlessly flow together, all overlooking the covered lanai. Natural light pours in from the pocket sliding glass door, creating an inviting atmosphere throughout. The heart of the home is the chef-inspired kitchen, where 42" soft-close white cabinetry meets luxurious quartz countertops. A stainless-steel single-bowl sink enhance the space, while the Whirlpool stainless steel appliances— including a refrigerator—ensure you have everything you need for both everyday meals and special occasions. The owner’s suite, conveniently located on the main level, is a luxurious retreat. It features an en suite bathroom with a frameless glass enclosed shower, quartz-topped dual vanity, private water closet, and an expansive walk-in closet. Upstairs, the spacious loft provides additional living space, while three additional bedrooms and one full bathroom, offer ample room for relaxation. Throughout the home, professionally curated design selections and premium finishes elevate the living experience. Wood-look luxury vinyl plank flooring spans the entire first floor, the bathrooms and laundry room are outfitted with tile, while soft, stain-resistant Shaw carpet enhances the loft and upstairs bedrooms. Additional touches such as matte black plumbing fixtures and hardware, 2” faux wood blinds, and Whirlpool washer and dryer add both style and convenience. The open spindle railing at the staircase complete the home’s elegant feel. Enjoy the convenience of modern living with a smart thermostat, video doorbell, and LED down lights. This Whitestone home is where luxury and practicality meet. Don’t miss your chance to make this exceptional home yours—schedule a tour today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,894
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$198
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.
$3,647 /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
$3,647/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
+12.1%
$/sqft vs St Cloud actives
$198 vs $217
Days on market
18 vs 47 typical
Where $198/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
$412K → $394K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
243 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 39% 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 2204 BRANCHED OAK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$549,080
2216 BRANCHED OAK ROAD · same community
4 bd · 2.5 ba · 2,894 sqft · $190/sqft · 22 DOM
Sold · Aug ’26$555,000
2120 BRANCHED OAK ROAD · same community
4 bd · 3.5 ba · 2,894 sqft · $192/sqft · 76 DOM
Sold · Feb ’26$536,620
2246 BRANCHED OAK ROAD · same community
4 bd · 3.5 ba · 2,894 sqft · $185/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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2204 BRANCHED OAK ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2204 BRANCHED OAK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2204 BRANCHED OAK ROAD FAQs
What would the monthly payment be for 2204 BRANCHED OAK ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,647/mo — principal and interest, the actual property-tax bill, the $115/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 2204 BRANCHED OAK ROAD?+
The association fee works out to $115 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2204 BRANCHED OAK ROAD?+
The most recent tax bill on record (2025) was $859. 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 2204 BRANCHED OAK ROAD?+
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 $571,970, this home is listed about 33% above the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2204 BRANCHED OAK ROAD?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6438659.
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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