Terra Haven
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Over the 12 months ending 2026-09-20, 18 recorded sales closed at a median of $350,992, $188 per square foot, a median 45 days on market, sellers accepting 97% of original asking (-9% versus the prior year). Homes listed or recently sold were built 2025 - 2026 with 18 new construction; 18 of 18 report an HOA (median $165/mo); none of the 17 geocoded homes sit in a FEMA special flood hazard zone (median elevation 78 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,350 ($4,740 with the full homestead exemption).
| Location | ST CLOUD, Osceola County, FL · ZIP 34771 |
|---|---|
| Home types (current listings and sales) | townhouses 100% |
| Amenities listed by sellers | None |
| Sale prices, last 12 months | $350,992 median across 18 closed sales · $188 per sq ft · -9.3% vs the prior 12 months |
| Days on market (closed sales) | 45 median |
| For sale right now | 0 active, 5 pending |
| Owner-occupied (homestead) share | 0% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Terra Haven key facts,” movewithmomentum.com/neighborhoods/terra-haven-st-cloud, data as of September 20, 2026.
Terra Haven right now
🔴 Off the recent peak. The trailing-12-month median ($351K) is down 9.3% from the prior 12 months ($387K). With about a dozen 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 (18 and 5 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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
Terra Haven market snapshot (as of September 20, 2026): the median sale price is about $351K ($188 per sq ft over the trailing 12 months of closed sales), and a median 45 days on market for closed sales. The trailing-12-month median is down 9% from the prior 12 months, computed from record-level Stellar MLS closed sales (18 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.
Stellar MLS sales records identify 29 homes in Terra Haven that have changed hands since 2025, built between 2025 and 2026 (median 2026), with a median living area of about 1,860 sq ft and a typical 4-bedroom, 2.5-bath layout; 100% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Flood zones in Terra Haven: of 14 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
The setting & the homes.
Aerial and on-site photos of Terra Haven. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Terra Haven; content deemed reliable but not guaranteed.
Housing distress & ownership in Terra Haven, 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.
Homes For Sale Right Now in Terra Haven
Live MLS inventory for Terra Haven. 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 Terra Haven listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Tap any home to ask about it.
Every Home for Sale in Terra Haven St Cloud Right Now (6)
All 6 active and pending Terra Haven St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5212 Luisa Court · $345,999 · 4 bd / 2.5 ba · pending · listed Sep 7, 2026 · listed by Maltbie Realty Group
- 5213 Luisa Court · $344,999 · 4 bd / 2.5 ba · pending · listed Aug 10, 2026 · listed by Maltbie Realty Group
- 5204 Luisa Court · $335,999 · 4 bd / 2.5 ba · pending · listed Jun 30, 2026 · listed by Maltbie Realty Group
- 5229 Luisa Court · $349,999 · 4 bd / 2.5 ba · pending · listed Jun 27, 2026 · listed by Maltbie Realty Group
- 5224 Luisa Court · $369,999 · 4 bd / 3.5 ba · pending · listed Jun 27, 2026 · listed by Maltbie Realty Group
- 5200 Luisa Court · $364,999 · 4 bd / 3.5 ba · pending · listed Jun 27, 2026 · listed by Maltbie Realty Group
Terra Haven 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.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- VOYAGER K-8 · Elementary
- VOYAGER K-8 · Middle
- Tohopekaliga High School · High
Zoned schools reflect the assignments reported on recent Terra Haven 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 Terra Haven address.
Shop the zone: Homes zoned for Tohopekaliga High School
The Terra Haven buying strategy.
If we were buying in Terra Haven 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 Terra Haven.
A closer look at the Terra Haven market
At a median of $188 per square foot, Terra Haven prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
The trailing-12-month median down 9% year over year. Homes that do trade take a median 45 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in Terra Haven. 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 Terra Haven 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 3 factors (3.8). Basis: Recent Direction -9.3% year-over-year; Owner Commitment 0% owner-occupied; Pricing Power 96.8% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $165/month (about $1,980/yr) · median of 265 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $165 per month ($1,980 a year) - the median AssociationFee across 265 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 Terra Haven 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 Terra Haven sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Terra Haven, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Terra Haven home worth?
Get a no-obligation home value based on real comparable sales in Terra Haven, 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 Terra Haven on the map →
Recently off market in Terra Haven
Homes in Terra Haven 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.
- 5245 Luisa Court · off market
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).
Frequently Asked Questions
What is the median home price in Terra Haven?
How long do homes in Terra Haven take to sell?
What share of Terra Haven is owner-occupied?
Who is the best real estate agent for Terra Haven?
How do I find a top St Cloud real estate agent who knows Terra Haven?
Can Momentum Realty connect me with an agent for Terra Haven?
Where is Terra Haven, and what county is it in?
Is Terra Haven in a flood zone?
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 September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2025 (23 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 Terra Haven fits the bigger picture — live prices, inventory, and Momentum Scores:
Nearby Communities
Explore more neighborhoods near Terra Haven with Momentum Realty’s local guides.