2126 BRANCHED OAK ROAD, ST CLOUD, FL, 34771
Active74 days on marketListed May 7, 2026MLS #O6406089
About this home
2126 BRANCHED OAK ROAD
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. Welcome to your dream home – the Highgate. This stunning new construction home features 4 spacious bedrooms, 2 luxurious bathrooms, and a 2-car garage. With its open-concept design, the kitchen, café, and gathering room seamlessly flow together, leading to a serene, covered lanai, perfect for entertaining or relaxing. The chef-inspired kitchen is equipped with Whirlpool stainless steel appliances (including a refrigerator and microwave vented to the exterior), a convenient walk-in pantry, and a large center island ideal for meal prep and socializing. It’s complemented by elegant 42” soft-close white cabinetry and quartz countertops, with a single-bowl stainless steel sink, upgraded faucet, and pendant lighting pre-wiring for added luxury. The private Owner’s Suite includes a large walk-in closet and a spa-like en suite bathroom featuring dual sinks set on a quartz-topped vanity, a private water closet, and a spacious frameless glass enclosed shower. Three additional bedrooms, a second bathroom, and a well-appointed laundry room are thoughtfully positioned at the front of the home, ensuring ample privacy and space for the whole family. This Highgate home is filled with professionally curated design selections, including a tray ceiling at gathering room, 2” faux wood blinds, Sherwin Williams City Loft interior paint, 8’ interior doors, Whirlpool washer and dryer, and pavers at the driveway and lanai. Enjoy wood-look luxury vinyl plank flooring throughout the entire home, except for in the bathrooms and laundry spaces, which are outfitted with tile, adding style and convenience to your everyday life. For added convenience and peace of mind, the Highgate includes a video doorbell, smart thermostat, and LED down lights. This brand-new home offers the perfect balance of comfort, style, and functionality – schedule your tour today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,850
Sqft
0.14 ac
Lot size
2
Garage
2026
Year built
One
Levels
$254
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.
$3,316 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$3,316/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.
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
+12.7%
$/sqft vs St Cloud actives
$254 vs $221
Days on market
74 vs 33 typical
Where $254/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 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 2126 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 · Sep ’25$450,000
2153 MOSSY VINE AVENUE · same community
4 bd · 2 ba · 1,850 sqft · $243/sqft · 19 DOM
Sold · Aug ’25$390,990
1959 BRANCHED OAK ROAD · same community
3 bd · 2.5 ba · 1,896 sqft · $206/sqft · 131 DOM
Sold · Apr ’26$392,390
5036 HOLM OAK DRIVE · same community
4 bd · 2.5 ba · 1,913 sqft · $205/sqft · 225 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2126 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 2126 BRANCHED OAK ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2126 BRANCHED OAK ROAD FAQs
What would the monthly payment be for 2126 BRANCHED OAK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,316/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 2126 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 2126 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 2126 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 $469,110, this home is listed about 10% 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 2126 BRANCHED OAK ROAD?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$469,110 runs 11% above the ST CLOUD 34771 median.
02Time on market is leverage
74 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $474,110, now $469,110 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PULTE REALTY OF NORTH FLORIDA LLC · Adrienne Escott. MLS #O6406089.
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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