7134 FIVE OAKS DR UNIT 4B, ST CLOUD, FL, 34773
Active22 days on marketListed Jun 28, 2026MLS #S5152411
About this home
7134 FIVE OAKS DR UNIT 4B
You will fall in love with the golf course views from the front porch and Owner's Suite. Lovely townhome available in Harmony! Featuring 3 bedrooms, 2.5 bathrooms, and a 2 car garage, this home offers spacious living with both a formal living room and family room. The kitchen features wood cabinetry, recessed lighting, stainless steel appliances, and a closet pantry. The Owner’s Suite offers a large walk-in closet, while the en-suite bathroom includes dual sink vanities and a shower/tub combination. Enjoy entertaining in the private rear courtyard that leads to the detached 2 car garage. Ideally situated close to the neighborhood school; Harmony Elementary, Harmony Middle School and Harmony High School, this home also offers golf-cart-friendly access through a nearby tunnel that goes under the highway making it a top choice for those who value education and convenience. Harmony residents enjoy exceptional amenities, including Buck Lake, where you can take out community pontoon boats, kayaks, or canoes, or cast a line from the community fishing pier. Additional perks include two resort-style pools, dog parks, playgrounds, walking trails, fitness center, and bike paths. Enjoy strolls or golf cart rides to the local coffee shop, pizza place, and Mexican restaurant—all within the neighborhood. With convenient access to Orlando International Airport, Medical City in Lake Nona, and the East Coast Beaches, Harmony offers a perfect blend of nature, lifestyle, and location. Don’t miss your chance to own this move-in ready home! Schedule your private showing today! Buyer to verify all room measurements.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,472
Sqft
0.06 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$214
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.
$2,443 /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
$2,443/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
+2.3%
$/sqft vs St Cloud actives
$214 vs $221
Days on market
22 vs 33 typical
Where $214/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 Harmony
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
Harmony — neighborhood snapshot
Population
3,988
Median age
37
Median income
$78,260
Median home value
$354,100
Avg household
3
Households w/ children
524
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)
189 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 7134 FIVE OAKS DR UNIT 4B
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$411,990
2852 HOUSE FINCH · same community
4 bd · 2 ba · 1,800 sqft · $229/sqft · 0 DOM
Sold · Nov ’25$330,000
7013 BEARGRASS RD · same community
3 bd · 2 ba · 1,825 sqft · $181/sqft · 116 DOM
Sold · May ’26$385,000
3137 DARK SKY DRIVE · same community
3 bd · 2 ba · 1,957 sqft · $197/sqft · 137 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
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 7134 FIVE OAKS DR UNIT 4B — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7134 FIVE OAKS DR UNIT 4B — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
7134 FIVE OAKS DR UNIT 4B FAQs
What would the monthly payment be for 7134 FIVE OAKS DR UNIT 4B?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,443/mo — principal and interest, the actual property-tax bill, the $6/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 7134 FIVE OAKS DR UNIT 4B?+
The association fee works out to $6 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7134 FIVE OAKS DR UNIT 4B?+
The most recent tax bill on record (2025) was $3,402. 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 7134 FIVE OAKS DR UNIT 4B?+
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 $315,000, this home is listed about 26% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7134 FIVE OAKS DR UNIT 4B?+
Harmony Community School (elementary), Harmony High School (high), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Jeanine Corcoran. MLS #S5152411.
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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