Silver Springs
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Silver Springs in St Cloud, FL has 5 homes for sale, asking from $344,900 to $459,000 (median $400,000). Over the 12 months ending 2026-08-23, 3 recorded sales closed at a median of $435,000, $177 per square foot, a median 63 days on market, sellers accepting 97% of original asking (+10% versus the prior year). Homes listed or recently sold were built 2022 - 2023; 7 of 8 report an HOA (median $110/mo); none of the 7 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 $6,630 ($6,020 with the full homestead exemption).
| Location | ST CLOUD, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 89 (FL DOR 2025 assessment roll) |
| Years built | 2022–2023 (median 2023) |
| Typical living area | 2,411 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Playground, Pool, Park, Security System, Clubhouse, Fire Alarm |
| Sale prices, last 12 months | $435,000 median across 3 closed sales · $177 per sq ft · +10.1% vs the prior 12 months |
| Days on market (closed sales) | 63 median |
| For sale right now | 5 active, 0 pending · median asking $419,000 · 20.0 months of supply |
| Owner-occupied (homestead) share | 39% |
Data as of August 23, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “SILVER SPRINGS key facts,” movewithmomentum.com/neighborhoods/silver-springs-st-cloud, data as of August 23, 2026.
Homes For Sale Right Now in Silver Springs
Live MLS inventory for Silver Springs. 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 Silver Springs listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Tap any home to ask about it.
Every Home for Sale in Silver Springs St Cloud Right Now (5)
All 5 active and pending Silver Springs St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 360 Whistling Duck Trail · $419,000 · 3 bd / 2.5 ba · listed Jul 13, 2026 · listed by Creegan Group
- 5252 Sanders Oak Trail · $459,000 · 4 bd / 2.5 ba · listed Jun 27, 2026 · listed by Wra Business & Real Estate
- 520 Whistling Duck Trail · $378,000 · 3 bd / 2.5 ba · listed Jun 27, 2026 · listed by Lpt Realty, Llc
- 5264 Stephs Field Street · $344,900 · 3 bd / 2.5 ba · listed Jun 27, 2026 · listed by Coldwell Banker Realty
- 491 Whistling Duck Trail · $425,000 · 4 bd / 2.5 ba · listed Jun 27, 2026 · listed by Ct Homes Realty Corporation
Silver Springs right now
🟢 Buyer-leaning market. 20.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 August 23, 2026. Confidence: Medium (5 active and pending listings, 3 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($435K) is up 10.1% from the prior 12 months ($395K). With about 20 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 August 23. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 28, 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
Silver Springs market snapshot (as of August 23, 2026): the median sale price is about $435K ($177 per sq ft over the trailing 12 months of closed sales), a median 63 days on market for closed sales, and 20.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 10% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
In ZIP 34771 (ST CLOUD), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
Silver Springs is a community of 89 homes in St Cloud, Osceola County, built between 2022 and 2023 (median 2023), with a median living area of about 2,411 square feet. 39% 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 Silver Springs. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Silver Springs; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 23 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($435K) IS the median in the snapshot above, and the move from 2025 ($395K) IS the +10.1% one-year change.
Windows contain 0 to 55 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 2021 through 2026. Deemed reliable but not guaranteed.
31% of homes for sale in ZIP 34771 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 (2026-09-24).
Silver Springs Market Scorecard
Silver Springs is currently a buyer-leaning market. About 20.0 months of supply, a median asking price of $419,000, and homes go under contract in about 165 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.
Housing distress & ownership in SILVER SPRINGS, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
Silver Springs 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, tiles © CARTO.
Life at Silver Springs
- Playground · reported on 6 of 6 listings
- Pool · reported on 6 of 6 listings
- Park · reported on 3 of 6 listings
- Clubhouse · reported on 1 of 6 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- VOYAGER K-8 · Elementary
- Narcoossee Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Silver Springs listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Silver Springs address.
Shop the zone: Homes zoned for Harmony High High School
The Silver Springs buying strategy.
If we were buying in Silver Springs 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 Silver Springs.
A closer look at the Silver Springs market
At a median of $177 per square foot, Silver Springs 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 20.0 months of supply, a buyer-leaning market and the trailing-12-month median up 10% year over year. Homes that do trade take a median 63 days on market, useful leverage on any listing that has lingered.
The housing stock is 89 homes built between 2022 and 2023, and 39% 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 Silver Springs. 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 Silver Springs 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 (5.1). Basis: Recent Direction +10.1% year-over-year; Liquidity & Demand 20.0 months of supply; Owner Commitment 39% owner-occupied; Pricing Power 96.7% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $110/month (about $1,320/yr) · median of 112 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $110 per month ($1,320 a year) - the median AssociationFee across 112 MLS records, normalised to a monthly figure; most are billed monthly. 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, 2026-09.
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 Silver Springs 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 Silver Springs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Silver Springs, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Silver Springs home worth?
Get a no-obligation home value based on real comparable sales in Silver Springs, 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 Silver Springs on the map →
Recently off market in SILVER SPRINGS
Homes in SILVER SPRINGS 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.
- 551 Amadoras Way · off market
Frequently Asked Questions
What is the median home price in Silver Springs?
How long do homes in Silver Springs take to sell?
Is Silver Springs a buyer's or seller's market right now?
How many homes are in Silver Springs?
What share of Silver Springs is owner-occupied?
When were the homes in Silver Springs built?
Who is the best real estate agent for Silver Springs?
How do I find a top St Cloud real estate agent who knows Silver Springs?
Can Momentum Realty connect me with an agent for Silver Springs?
Where is Silver Springs, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2021 (121 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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how SILVER SPRINGS fits the bigger picture — live prices, inventory, and Momentum Scores:
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