1306 TWELVE OAKS ROAD, ST CLOUD, FL, 34771
Active19 days on marketListed Oct 19, 2026MLS #O6450403
About this home
1306 TWELVE OAKS ROAD
Welcome to 1306 Twelve Oaks Road, Saint Cloud, FL — a new construction 2-story home built by M/I Homes, offering 2,510 square feet of thoughtfully designed living space. This 4-bedroom, 3-bathroom home combines quality craftsmanship with a functional layout ideal for everyday living and entertaining. Step inside to discover an open-concept living space that connects the main gathering areas seamlessly, creating a bright and inviting atmosphere throughout the main level. The home features: 4 spacious bedrooms across 2 levels 3 full bathrooms 2,510 square feet of well-planned living space Open-concept layout connecting kitchen, dining, and living areas A private owner's bedroom with en-suite bathroom A covered lanai perfect for outdoor relaxation 2-car garage The design of this home reflects attention to detail and quality materials throughout. From the cohesive finishes to the efficient use of space, every element has been carefully considered to deliver a comfortable and stylish living environment. The covered lanai extends the living area outdoors, providing a great space for unwinding or hosting guests. The surrounding neighborhood offers a welcoming environment with proximity to parks and recreational areas, making it easy to enjoy an active outdoor lifestyle. The well-established area provides a sense of community while maintaining a peaceful residential setting that is perfect for families and individuals alike.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,510
Sqft
0.1 ac
Lot size
2
Garage
2026
Year built
Two
Levels
$175
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.
$3,923 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,923/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−1.4%
$/sqft vs CENTER LAKE ON THE PARK
$175 vs $194
Days on market
19 vs 53 typical
Where $175/sqft sits among the 17 homes for sale in CENTER LAKE ON THE PARK
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
35,257
Median age
39.5
Median income
$97,415
Median home value
$454,400
Avg household
3.05
Households w/ children
4,899
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
10 of 17
CENTER LAKE ON THE PARK have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% 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 1306 TWELVE OAKS ROAD
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$534,490
5266 HIGH LINE DRIVE · same community
4 bd · 3 ba · 2,489 sqft · $215/sqft · 0 DOM
Sold · Nov ’25$445,990
5282 CENTER LAKE BOULEVARD · same community
4 bd · 3 ba · 2,543 sqft · $175/sqft · 88 DOM
Sold · Jul ’26$489,990
5348 CENTER LAKE RANCH BOULEVARD · same community
4 bd · 3 ba · 2,543 sqft · $193/sqft · 127 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 1306 TWELVE OAKS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1306 TWELVE OAKS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1306 TWELVE OAKS ROAD FAQs
What would the monthly payment be for 1306 TWELVE OAKS ROAD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,923/mo — principal and interest, the actual property-tax bill, the $64/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 1306 TWELVE OAKS ROAD?+
The association fee works out to $64 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1306 TWELVE OAKS ROAD?+
The most recent tax bill on record (2026) was $5,799. 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 1306 TWELVE OAKS 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 $439,990, this home is listed about 4% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 1306 TWELVE OAKS ROAD?+
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 KELLER WILLIAMS ADVANTAGE REALTY · Stacie Brown Kelly. MLS #O6450403.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 1306 TWELVE OAKS ROAD but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →