
5664 OAK KNOLL DRIVE, ST CLOUD, FL, 34771
Active17 days on marketListed Sep 23, 2026MLS #O6444153
About this home
5664 OAK KNOLL DRIVE
**This house comes with a REDUCED RATE through the seller's preferred lender. This is a lender-paid rate buydown that reduces the buyer's interest rate and monthly payment.** Welcome to modern living with no rear neighbors! Built in 2022, this beautifully designed 5 bedroom, 4.5 bathroom home in St.Cloud combines contemporary finishes, flexible living spaces, and a fantastic location just minutes from Lake Nona Town Center. A manicured front lawn, spacious driveway, and covered front entry create a warm welcome from the moment you arrive. Step inside and you're greeted by soaring ceilings, abundant natural light, recessed lighting, and modern finishes that give the home a bright and polished feel. The first floor is designed for versatility, featuring a private bedroom with its own en suite bathroom, making it an excellent space for overnight guests or multi-generational living. A dedicated home office provides the perfect setting for remote work, studying, or managing your day-to-day schedule without sacrificing privacy. At the center of the home, the living, dining, and kitchen areas come together in an open-concept layout that makes entertaining and everyday life feel effortless. The kitchen features a spacious island with breakfast bar seating, a beautiful tile backsplash, stainless steel range with a coordinating hood, crown-molded cabinetry, and a large walk-in pantry with plenty of room for organization. Hosting meals of any size in this home feels like a breeze, and the layout ensures you never miss a moment with your loved ones, no matter the task at hand! Additionally, a conveniently located half bath downstairs adds privacy and functionality when hosting. Upstairs, a versatile loft adds even more living space and can easily be transformed into a media room, playroom, secondary lounge, or whatever best fits your family's needs. The additional bedrooms provide generous space and natural light, while the primary suite creates a private retreat away from the main living areas. The primary bedroom includes a large walk-in closet and an en suite bathroom with a spacious shower, rain shower head, and dual-sink vanity, so getting ready in the morning is easy! A dedicated upstairs laundry room adds another layer of convenience to daily routines. Step outside to the fenced backyard, where artificial turf creates a clean, low-maintenance outdoor space. The covered patio provides an inviting setting for al fresco dining, weekend gatherings, or simply enjoying the Florida sunshine. With no rear neighbors behind the property, the backyard feels especially peaceful and private. With a low monthly HOA, and a layout designed to adapt to your lifestyle, this home is ready to welcome its next owners.The community also features amenities for residents to enjoy, such as the sparkling pool and playground. Location is another major highlight! Less than 15 minutes from Lake Nona Town Center, you'll have easy access to shopping, restaurants, farmers markets, entertainment, and community events. Grocery stores, everyday conveniences, great schools, and major highways are also nearby, making it easy to get wherever you need to go throughout Central Florida. With modern construction, a flexible floor plan, no rear neighbors, and a prime location, this St. Cloud home is ready for its next chapter. Schedule your private showing TODAY!!
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,593
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$181
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.
$4,807 /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
$4,807/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
−8.1%
$/sqft vs St Cloud actives
$181 vs $211
Days on market
17 vs 65 typical
Where $181/sqft sits among the 399 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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
224 of 399
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 57% 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 5664 OAK KNOLL 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$435,000
5641 OAK KNOLL DRIVE · same community
4 bd · 2 ba · 2,197 sqft · $198/sqft · 95 DOM
Sold · May ’26$613,990
1831 LATTICE WAY
5 bd · 3 ba · 3,070 sqft · $200/sqft · 44 DOM
Sold · Mar ’26$618,990
1882 COLUMBUS PATH
4 bd · 3.5 ba · 3,035 sqft · $204/sqft · 132 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 5664 OAK KNOLL DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5664 OAK KNOLL DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5664 OAK KNOLL DRIVE FAQs
What would the monthly payment be for 5664 OAK KNOLL DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,807/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 5664 OAK KNOLL DRIVE?+
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 5664 OAK KNOLL DRIVE?+
The most recent tax bill on record (2025) was $9,376. 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 5664 OAK KNOLL 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 $649,990, this home is listed about 52% 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 5664 OAK KNOLL DRIVE?+
Narcoossee 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 DENIZ REALTY PARTNERS LLC · Christopher Soto. MLS #O6444153.
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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