5616 ARBORVISTA DRIVE, ST CLOUD, FL, 34771
Active16 days on marketListed Sep 4, 2026MLS #O6439410
About this home
5616 ARBORVISTA DRIVE
Short Sale. Now offered at a new price, this exceptional 2022-built home delivers modern design, flexible living spaces, and outstanding value in the highly desirable Split Oaks Reserve community. Featuring 4 bedrooms, 3.5 bathrooms, and a thoughtfully designed layout, this nearly new residence is ideal for today’s lifestyles. The spacious primary suite on the main level provides everyday convenience and privacy, while an additional flexible room on the first floor can easily serve as a home office, study, or guest space. The upgraded kitchen is the heart of the home, showcasing quartz countertops, a designer backsplash, and premium appliances, all opening seamlessly to an oversized family room—perfect for entertaining or relaxing. Upstairs, an expansive loft offers a second living or gathering area, complemented by a smart split-bedroom layout that includes an additional en-suite bedroom and Jack-and-Jill bedrooms sharing a full bath. This versatile floor plan easily accommodates family, guests, or multi-generational living. Enjoy Florida living year-round with a covered lanai and generous backyard, ideal for outdoor gatherings, play, or quiet evenings at home. Additional highlights include a paver driveway and numerous luxury upgrades throughout. Split Oaks Reserve offers desirable community amenities including a resort-style pool, cabana, playground, LOW HOA, and no CDD. Conveniently located near shopping, dining, and major roadways such as State Road 417 and State Road 528, with quick access to Lake Nona and Sunbridge. Exceptional value, modern finishes, and a prime location—schedule your private tour today and take advantage of this new pricing opportunity.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,904
Sqft
0.13 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$176
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.
$3,552 /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
$3,552/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
−12.1%
$/sqft vs St Cloud actives
$176 vs $217
Days on market
16 vs 47 typical
Where $176/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 24% 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 5616 ARBORVISTA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$525,000
2710 FORESTDALE STREET · same community
4 bd · 3.5 ba · 2,904 sqft · $181/sqft · 224 DOM
Sold · Jul ’26$600,000
2724 TIMBERGROVE STREET · same community
5 bd · 3 ba · 2,386 sqft · $251/sqft · 42 DOM
Sold · Aug ’26$645,000
5677 CEDAR CHASE DRIVE · same community
5 bd · 4.5 ba · 3,593 sqft · $180/sqft · 178 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 5616 ARBORVISTA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5616 ARBORVISTA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5616 ARBORVISTA DRIVE FAQs
What would the monthly payment be for 5616 ARBORVISTA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,552/mo — principal and interest, the actual property-tax bill, the $105/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 5616 ARBORVISTA DRIVE?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5616 ARBORVISTA DRIVE?+
The most recent tax bill on record (2025) was $713. 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 5616 ARBORVISTA 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 $510,000, this home is listed about 19% 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 5616 ARBORVISTA DRIVE?+
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 MARKET CONNECT REALTY LLC · Corey Smallman. MLS #O6439410.
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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