David Ramirez
$719,000$749,0004 bd3 ba2,804 sqft$256 /sqft$5,050 /mo all-in ↓

5367 CROOKED OAK CIRCLE, ST CLOUD, FL, 34771

Active43 days on marketListed Jun 7, 2026MLS #O6414655

Reduced $30KWaterfrontPrivate poolSingle Family ResidenceMAJESTIC OAKS SUB

About this home

5367 CROOKED OAK CIRCLE

PRICE REDUCED! NEW ROOF IS BEING INSTALLED! Tucked along the quiet edge of the East Toho chain, this stunning 4-bedroom, 3-bath waterfront retreat sits on over half an acre of lush, oak-canopied land with a PRIVATE DOCK, BOAT ACCESS, LARGE PRIVATE POOL and a multi-lake boating life waiting right outside your back door. At 2,804 square feet, there’s room here to breathe, to gather, and to finally exhale. ACCESS TO LAKE NONA AND ALL THE AMENITIES WITHOUT THE TRAFFIC CONCERNS- there are two access points into the community. Step inside and you’ll feel it immediately — the vaulted great room draws you in with soaring ceilings and a gorgeous fireplace that anchors the space with warmth and character. The kitchen is the heart of this home in every sense: quartz surfaces, updated cabinetry, and a chef-worthy 60/40 oven and cooktop that makes cooking feel like a pleasure, not a chore. Every appliance conveys — move in and start living. The split floor plan gives everyone their own corner of peace, and the fourth bedroom is something special — privately positioned with its own bath, multiple entrances, and French doors that open directly to the backyard. Whether it becomes a mother-in-law suite, a guest retreat, or a quiet home office, the flexibility is entirely yours. And then there’s the enclosed patio — a true bonus living space with sliding doors, so you can fling them open to the breeze or close them in and enjoy the view year-round. It flows seamlessly from the main living area and sets the tone for everything just beyond: the screened pool, the private dock, private sun deck and the water views. Every Sunday gathering, every lazy afternoon, every golden Florida evening has a home here. The canal connects you to Lake Ajay, Fells Cove, Lake Runnymede, Boggy Creek, and East Lake Toho — all just a short boat ride away. The community boat ramp at the end of the canal makes it effortless. Canal-fed irrigation keeps the lawn green without the water bill. Paver driveway. Oversized 3-car garage. Walk-in closets. Enormous attic. And yes — all of this with a septic system, low HOA, and the kind of lower-tax, laid-back living that feels increasingly rare. You’re practically in the heart of Lake Nona — but you’re in the country. One mile from Publix. Three from Walmart and Sam’s. Four from the 417. Multiple Access points to get anywhere without hassle. The magnificent grandfather oaks have been here for generations. Now it’s your turn. Available furnished — just ask for details.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,804

Sqft

0.52 ac

Lot size

3

Garage

1983

Year built

One

Levels

$256

Per sqft

Private poolWaterfrontFireplacePool & Water viewNegotiable

Inside

FlooringLaminate · Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBrick · Stucco
FoundationSlab
ViewPool · Water
FacesSouth
ParkingDriveway · Garage Door Opener · Ground Level
ExteriorIrrigation System · Rain Gutters · Sliding Doors

Community & fees

HOA fee$83/mo
Taxes (2025)$7,896/yr
PetsNo
CommunityCommunity Boat Ramp · Dock · Fishing · Private Boat Ramp · Water Access · Waterfront · Deed Restrictions

Utilities & systems

UtilitiesCable Available · Electricity Connected · Underground Utilities · Water Connected
WaterCanal/Lake For Irrigation · Public

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.

$5,050 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,880
PMI (est., until 20% equity)$270
Property tax — 2025 actual bill$658
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $71,900Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $71,900
Interest rate6.00%
Loan term

Estimated payment

$5,050/mo

Principal & interest$3,880
PMI (est., until 20% equity)$270
Property taxes (actual bill)$658
HOA / condo fee$83
Est. insurance$160

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.

List $719K
$668KedgeAI estimate $792,945 · range $696K$893K$929K

vs edgeAI estimate

−9.3%

$/sqft vs St Cloud actives

$256 vs $221

Days on market

43 vs 33 typical

Where $256/sqft sits among the 400 St Cloud actives

99
126
87 · this home
37
16
35
$156–192$192–228$228–264$264–300$300–335$335+

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

Map of 5367 CROOKED OAK CIRCLE

Drive times from this address

Orlando Int’l Airport (MCO)25 min
Downtown Orlando30 min
Universal Orlando38 min
Walt Disney World42 min

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

ElementaryLakeview Elementary School★★★★★
MiddleNarcoossee Middle School★★★★★
HighHarmony High School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s 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 70% above the ST CLOUD 34771 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $719,000 $30K
Jun 7, 2026Listed at $749,000 · 43 days on market since
1983Built · MAJESTIC OAKS SUB

Reality check

What actually sold near 5367 CROOKED OAK CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2551 12TH SQUARE SWSold · Mar ’26

$340,000

2551 12TH SQUARE SW · same community

3 bd · 2.5 ba · 1,893 sqft · $180/sqft · 34 DOM

5311 BRYDON WOODS CIRCLESold · Apr ’26

$453,000

5311 BRYDON WOODS CIRCLE

4 bd · 2.5 ba · 2,818 sqft · $161/sqft · 73 DOM

5213 BRYDON WOODS CIRCLESold · Dec ’25

$515,000

5213 BRYDON WOODS CIRCLE

4 bd · 2.5 ba · 2,820 sqft · $183/sqft · 2 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5367 CROOKED OAK CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5367 CROOKED OAK CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

5367 CROOKED OAK CIRCLE FAQs

What would the monthly payment be for 5367 CROOKED OAK CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,050/mo — principal and interest, the actual property-tax bill, the $83/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 5367 CROOKED OAK CIRCLE?+

The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5367 CROOKED OAK CIRCLE?+

The most recent tax bill on record (2025) was $7,896. 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 5367 CROOKED OAK CIRCLE?+

The listing reports pets: No. 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 $719,000, this home is listed about 69% 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 5367 CROOKED OAK CIRCLE?+

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

$719,000 runs 70% above the ST CLOUD 34771 median — but at 2,804 sqft it's also 42% larger than the typical St Cloud listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03The price has already moved

Listed at $749,000, now $719,000 — a $30K cut. The full history is in the market section below.

Listing courtesy of ORLANDO REGIONAL REALTY · Kimberley Beaudry. MLS #O6414655.

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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