
5367 CROOKED OAK CIRCLE, ST CLOUD, FL, 34771
Active43 days on marketListed Jun 7, 2026MLS #O6414655
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
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.
$5,050 /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
$5,050/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
−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
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 70% 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 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.
Sold · Mar ’26$340,000
2551 12TH SQUARE SW · same community
3 bd · 2.5 ba · 1,893 sqft · $180/sqft · 34 DOM
Sold · Apr ’26$453,000
5311 BRYDON WOODS CIRCLE
4 bd · 2.5 ba · 2,818 sqft · $161/sqft · 73 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5367 CROOKED OAK CIRCLE — start here.

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.
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.
Keep looking
Similar homes nearby
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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