Pine Chase Estates
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Pine Chase Estates in St Cloud, FL has 1 home for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $345,000, $235 per square foot, a median 15 days on market, sellers accepting 100% of original asking (-6% versus the prior year). Homes listed or recently sold were built 1989 - 2001; 5 of 5 report an HOA (median $19/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 75 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,260 ($4,650 with the full homestead exemption).
Pine Chase Estates right now
🟡 Balanced market. 2.4 months of supply and 0% of the inventory already under contract put buyers and sellers on roughly even footing.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Low (1 active and pending listings, 3 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($345K) is down 5.5% from the prior 12 months ($365K). With about 2 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (3 and 4 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Pine Chase Estates market snapshot (as of September 20, 2026): the median sale price is about $345K ($235 per sq ft over the trailing 12 months of closed sales), a median 15 days on market for closed sales, and 2.4 months of supply, a balanced market. The trailing-12-month median is down 6% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
In ZIP 34769 (St Cloud), 630 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 0.7% year over year, with a median 58 days on market. Right now 141 active and 49 pending listings put supply at about 3.9 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
County records show 8 qualified sales in Pine Chase Estates across 2024 - 2025 (4 in 2024, 4 in 2025), median $342,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pine Chase Estates is a community of 107 homes in St Cloud, Osceola County, built between 1989 and 2002 (median 1991), with a median living area of about 1,798 square feet. 70% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Pine Chase Estates. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Pine Chase Estates
Pine Chase Estates
Pine Chase Estates
Pine Chase Estates
Pine Chase EstatesPhotos from Stellar MLS listings in Pine Chase Estates; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($345K) IS the median in the snapshot above, and the move from 2025 ($365K) IS the -5.5% one-year change.
Windows contain 0 to 11 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Deemed reliable but not guaranteed.
20% of homes for sale in ZIP 34769 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-18).
Pine Chase Estates Market Scorecard
Pine Chase Estates is currently a balanced market. About 2.4 months of supply, a median asking price of $365,000, and homes go under contract in about 69 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Pine Chase Estates
Live MLS inventory for Pine Chase Estates. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Pine Chase Estates listings as of 2026-10-17, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Pine Chase Estates on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Recent Developments in Pine Chase Estates
Development, infrastructure, retail, and school activity affecting Pine Chase Estates, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Infrastructure
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
What it may mean for the marketIf built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The project is about 13 miles northeast of Pine Chase Estates, elsewhere in Osceola County.
Source: Spectrum News 13 - August 2026Civic
St. Cloud council approves $6.7 million downtown apartment and parking garage agreement
The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.
What it may mean for the marketNew downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The site is about 2 miles northeast of Pine Chase Estates.
Source: Spectrum News 13 - March 2026Development
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
What it may mean for the marketA new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 10 miles north of Pine Chase Estates.
Source: ClickOrlando
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Pine Chase Estates buying strategy.
If we were buying in Pine Chase Estates today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Pine Chase Estates.
A closer look at the Pine Chase Estates market
At a median of $235 per square foot, Pine Chase Estates prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 2.4 months of supply, a balanced market and the trailing-12-month median down 6% year over year. Homes that do trade take a median 15 days on market, useful leverage on any listing that has lingered.
The housing stock is 107 homes built between 1989 and 2002, and 70% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Pine Chase Estates. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Pine Chase Estates buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.3). Basis: Recent Direction -5.5% year-over-year; Liquidity & Demand 2.4 months of supply; Owner Commitment 70% owner-occupied; Pricing Power 100.0% sale-to-list. Refreshed with each data update.
What it really costs to own in Pine Chase Estates
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $228/year (about $19/month) across 195 MLS listings (most billed annually; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. |
| Roof and age | Median build year 1991 across 5 listings. An original roof here would be about 35 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Pine Chase Estates
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Pine Chase Estates
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Pine Chase Estates will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $228/year (about $19/month) · median of 195 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $228 a year ($19 a month) - the median AssociationFee across 195 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Pine Chase Estates buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Pine Chase Estates sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine Chase Estates, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pine Chase Estates home worth?
Get a no-obligation home value based on real comparable sales in Pine Chase Estates, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Pine Chase Estates on the map →
Recently off market in Pine Chase Estates
Homes in Pine Chase Estates that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 1 on record.
- 2495 Pine Chase Circle · off market
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Homes in the community | 107 (FL DOR 2025 assessment roll) |
| Years built | 1989–2002 (median 1991) |
| Typical living area | 1,798 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Fire Alarm |
| Sale prices, last 12 months | $345,000 median across 3 closed sales · $235 per sq ft · -5.5% vs the prior 12 months |
| Days on market (closed sales) | 15 median |
| For sale right now | 1 active, 0 pending · median asking $365,000 · 2.4 months of supply |
| Owner-occupied (homestead) share | 70% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Pine Chase Estates key facts,” movewithmomentum.com/neighborhoods/pine-chase-estates-st-cloud, data as of September 20, 2026.
Housing distress & ownership in Pine Chase Estates, St Cloud
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
- St Cloud pool homes for sale
- St Cloud waterfront homes for sale
- Gated communities in St Cloud
- St Cloud golf course homes
- Homes under $300K in St Cloud
- Homes from $300K to $500K in St Cloud
- 4-bedroom homes for sale in St Cloud
- St Cloud home values: what is my house worth?
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Pine Chase Circle (31 homes on record)
- Pine Chase Circle (5 homes on record)
- Pine Chase Circle (4 homes on record)
- Pine Chase Circle (2 homes on record)
- Pine Chase Circle (2 homes on record)
- Pine Chase Circle (1 homes on record)
- Pine Chase Circle (1 homes on record)
- Pine Chase Circle (1 homes on record)
- Pine Chase Circle (1 homes on record)
Frequently Asked Questions
What is the median home price in Pine Chase Estates?
How long do homes in Pine Chase Estates take to sell?
Is Pine Chase Estates a buyer's or seller's market right now?
How many homes are in Pine Chase Estates?
What share of Pine Chase Estates is owner-occupied?
When were the homes in Pine Chase Estates built?
Who is the best real estate agent for Pine Chase Estates?
How do I find a top St Cloud real estate agent who knows Pine Chase Estates?
Can Momentum Realty connect me with an agent for Pine Chase Estates?
Where is Pine Chase Estates, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 17, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34769)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (41 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Pine Chase Estates fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Pine Chase Estates with Momentum Realty’s local guides.
More on Pine Chase Estates
- Home values · What homes in Pine Chase Estates actually sell for