2701 TIMBERGROVE STREET, ST CLOUD, FL, 34771
Active42 days on marketListed Jun 11, 2026MLS #O6412988
About this home
2701 TIMBERGROVE STREET
Welcome to luxury Florida living in highly sought-after Split Oak Reserve. Ideally located just minutes from Lake Nona, Sunbridge, Medical City, Orlando International Airport, and major roadways, this stunning Pulte Pinnacle model offers 3 bedrooms, a private office, 3 full bathrooms, and an exceptional collection of custom upgrades inside and out. Situated on a premium corner homesite near the community amenities, this thoughtfully designed split-bedroom floor plan features an open-concept layout perfect for both everyday living and entertaining. The gourmet kitchen showcases quartz countertops, 42-inch cabinetry, a large center island, and seamless flow into the spacious gathering room and dining area. The owner's retreat is privately positioned at the rear of the home and features a spa-inspired bathroom with dual vanities, an oversized walk-in shower, and a custom California Closet system. Additional California Closets have been installed throughout the home, providing exceptional organization and storage. Step outside to your own private resort-style backyard featuring a heated and chilled saltwater pool, custom grotto with dedicated pump system, outdoor kitchen, and covered lanai with built-in surround sound speakers. Whether you're hosting guests or enjoying a quiet evening at home, this outdoor space was designed to impress. Additional upgrades include owned solar panels, an electric vehicle charging station, Polywood plantation shutters, custom barn doors, a hidden Murphy door bookcase connecting the living area and primary suite, water softener system, kitchen water filtration system, security system with four exterior cameras and interior motion detection, custom lighting, designer ceiling fans, garage workbench and storage system, and built-in surround sound speakers in both the living room and lanai. Residents of Split Oak Reserve enjoy a community pool, cabana, playground, low HOA fees, and no CDD while being conveniently located near shopping, dining, entertainment, and top employment centers. This is a rare opportunity to own a highly upgraded, move-in-ready home in one of St. Cloud's most desirable communities.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,500
Sqft
0.24 ac
Lot size
2
Garage
2022
Year built
One
Levels
$286
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.
$5,042 /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
$5,042/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
−16.9%
Days on market
42 vs 33 typical
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
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 67% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
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 2701 TIMBERGROVE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2701 TIMBERGROVE STREET — 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
2701 TIMBERGROVE STREET FAQs
What would the monthly payment be for 2701 TIMBERGROVE STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,042/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 2701 TIMBERGROVE STREET?+
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 2701 TIMBERGROVE STREET?+
The most recent tax bill on record (2025) was $7,688. 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 2701 TIMBERGROVE STREET?+
The listing reports pets: Breed Restrictions. 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 $715,000, this home is listed about 68% 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 2701 TIMBERGROVE STREET?+
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.
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Ryan Leitter. MLS #O6412988.
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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