5064 OAK SEED WAY, ST CLOUD, FL, 34771
Active16 days on marketListed Oct 22, 2026MLS #O6451645
About this home
5064 OAK SEED WAY
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. Introducing the Talbot bungalow, a luxurious new construction former model home that masterfully blends modern design with everyday convenience. This home offers 5 bedrooms, 3 bathrooms, a loft, a covered lanai, and a 2-car rear-load garage—creating a space that is both stylish and functional. As you enter, a stunning wrap-around staircase sets the tone, leading into an open-concept living area designed for effortless flow. A private hallway off the foyer features a guest bedroom and full bath, providing a perfect space for visitors. The heart of the home is an expansive kitchen, café, and gathering room, all with seamless access to the covered lanai, ideal for indoor-outdoor living. The chef’s kitchen is a standout with its large center island, corner walk-in pantry, and Whirlpool stainless steel appliances, including a vented microwave and refrigerator. Elkin white cabinetry, a decorative tile backsplash, and quartz countertops add sophistication and practicality to the space. Upstairs, the luxurious owner’s suite is tucked away at the front of the home for ultimate privacy. The spa-inspired en suite bathroom features a glass-enclosed shower, a quartz-topped dual vanity, and a spacious walk-in closet, offering a true sanctuary. Three additional bedrooms, located down their own private hallway, share a full bathroom, ensuring comfort and privacy. The second floor also boasts two linen closets, a laundry room, and a large loft area, perfect for flexible living. Thoughtful luxury touches throughout the home include tile flooring on the first floor (except for the first-floor bedroom, which is carpeted with plush, stain-resistant Shaw brand carpet), carpeting in the loft and second-floor bedrooms, a washer and dryer, 2” faux wood blinds, and pre-wiring for pendant lighting. Smart home features like a smart thermostat, smart doorbell, and additional LED downlights make this home as connected as it is beautiful. With its combination of luxury, convenience, and modern design, the Talbot bungalow is the perfect place to live and unwind in style.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,603
Sqft
0.1 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$173
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.
$4,117 /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
$4,117/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
+5%
$/sqft vs St Cloud actives
$173 vs $211
Days on market
16 vs 53 typical
Where $173/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
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)
203 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 11% 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 5064 OAK SEED WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$429,890
5104 STARLING BIRD LANE · same community
5 bd · 3 ba · 2,603 sqft · $165/sqft · 10 DOM
Sold · Aug ’26$427,990
5069 STARLING BIRD LANE · same community
5 bd · 3 ba · 2,603 sqft · $164/sqft · 37 DOM
Sold · Mar ’26$437,990
2124 MOSSY VINE AVENUE · same community
5 bd · 3 ba · 2,603 sqft · $168/sqft · 22 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
Arbel Joseph
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5064 OAK SEED WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5064 OAK SEED WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Arbel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5064 OAK SEED WAY FAQs
What would the monthly payment be for 5064 OAK SEED WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,117/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 5064 OAK SEED WAY?+
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 5064 OAK SEED WAY?+
The most recent tax bill on record (2025) was $6,649. 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 5064 OAK SEED WAY?+
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 $449,890, this home is listed about 6% 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 5064 OAK SEED WAY?+
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 PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6451645.
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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