2342 BRANCHED OAK ROAD, ST CLOUD, FL, 34771
Active11 days on marketListed Oct 27, 2026MLS #O6453306
About this home
2342 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. Discover the perfect blend of luxury, comfort, and convenience with the stunning Ashby home. This one-story 4 bedrooms, 3 bathrooms, 3 car garage home offers everything you need for an effortless lifestyle. The open concept living area flows effortlessly, combining the kitchen, café, and gathering room into one expansive space that feels airy and inviting. Soaring tall ceilings, 8’ interior doors, and a luxurious double tray ceiling elevate the entire area, adding a sense of grandeur while maintaining an intimate, welcoming atmosphere perfect for entertaining. The pocket sliding glass doors, which connect the living area to the covered lanai, flood the home with natural light, creating a bright, vibrant environment that brings the outdoors in. The heart of the home is the chef-inspired kitchen, where white cabinetry meets luxurious quartz countertops. Thoughtfully designed features like soft-close drawers, easy-reach corner cabinets, double roll-out trays, and a waste basket drawer make the kitchen as functional as it is beautiful. Whirlpool stainless steel appliances—including a refrigerator and a built-in cooktop—ensure you have everything you need for both everyday meals and special occasions. The private Owner’s Suite, located at the back corner of the home for ultimate privacy, offers a tranquil retreat with a spa-inspired en suite bathroom, oversized walk-in closet, linen closet, walk-in shower with a rain shower head, and enclosed toilet. The Ashby also features two spare bedrooms located in the opposite back corner of the home and a third spare bedroom at the front of the home, allowing privacy for everyone. A 3-car garage provides plenty of space for vehicles, storage, or hobbies. Don't miss the chance to see this home today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,336
Sqft
0.17 ac
Lot size
2027
Year built
One
Levels
$281
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.
$4,725 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$4,725/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.
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
+60.2%
$/sqft vs St Cloud actives
$281 vs $211
Days on market
11 vs 53 typical
Where $281/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)
205 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 62% 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 2342 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 · Feb ’26$414,390
5018 HOLM OAK DRIVE · same community
4 bd · 3 ba · 2,341 sqft · $177/sqft · 122 DOM
Sold · Sep ’26$407,990
5093 STARLING BIRD LANE · same community
4 bd · 3 ba · 2,341 sqft · $174/sqft · 12 DOM
Sold · Dec ’25$399,990
5033 STARLING BIRD LANE · same community
4 bd · 3 ba · 2,352 sqft · $170/sqft · 0 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
Seth Cabrera - Rothschild
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2342 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 2342 BRANCHED OAK ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2342 BRANCHED OAK ROAD FAQs
What would the monthly payment be for 2342 BRANCHED OAK ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $4,725/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 2342 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 2342 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 2342 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 $656,690, this home is listed about 55% 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 2342 BRANCHED OAK 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 PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6453306.
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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