671 SPLIT HOOF DRIVE, ST CLOUD, FL, 34771
Active75 days on marketListed May 6, 2026MLS #O6405162
About this home
671 SPLIT HOOF DRIVE
Experience elevated living in the heart of Saint Cloud with this impeccably cared-for 5-bedroom, 4.5-bath residence. Meticulously maintained and styled with a modern, upscale aesthetic, every detail reflects quality and intention. Thoughtfully designed to balance sophistication and livability, the home offers a spacious, flowing layout ideal for both everyday comfort and refined entertaining. The home is enhanced by carefully selected upgrades, including two striking custom fireplaces - one creating a focal point in the main living area and another adding warmth and ambiance to the primary suite. The primary suite serves as a private retreat, complemented by three additional bedrooms upstairs, each featuring its own en-suite bath to provide a high level of convenience and privacy for family and guests. With expansive living spaces, elevated finishes, and a polished, model-like presentation, this home offers a rare opportunity to enjoy luxury living in one of Saint Cloud’s most desirable communities.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,542
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$188
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.
$4,737 /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
$4,737/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
+1.8%
$/sqft vs St Cloud actives
$188 vs $221
Days on market
75 vs 33 typical
Where $188/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
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
188 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 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 671 SPLIT HOOF DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$615,000
501 STEERVIEW STREET · same community
5 bd · 4.5 ba · 3,522 sqft · $175/sqft · 92 DOM
Sold · Oct ’25$528,000
5725 IRON BRAND ROAD · same community
4 bd · 3.5 ba · 3,106 sqft · $170/sqft · 67 DOM
Sold · Oct ’25$539,000
5700 IRON BRAND ROAD · same community
4 bd · 3.5 ba · 3,084 sqft · $175/sqft · 112 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 671 SPLIT HOOF DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 671 SPLIT HOOF DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
671 SPLIT HOOF DRIVE FAQs
What would the monthly payment be for 671 SPLIT HOOF DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,737/mo — principal and interest, the actual property-tax bill, the $75/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 671 SPLIT HOOF DRIVE?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 671 SPLIT HOOF DRIVE?+
The most recent tax bill on record (2025) was $7,975. 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 671 SPLIT HOOF 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 $665,000, this home is listed about 56% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 671 SPLIT HOOF DRIVE?+
Lakeview 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 REGENCY REAL ESTATE LLC · Heather Spirazza. MLS #O6405162.
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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