6340 JUDITH COURT, ST CLOUD, FL 34771
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
- No CDD assessment on record
- Built 1967 · 59 yrs
- 1,200 sq ft of living area
- 2-car garage
- 58 days on market
- HOA ~$50/mo (estimate; confirm)
This home’s history
- 1967BuiltPer public record
- Jul 10, 2026First trackedObserved at $439,000
- NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Estimated monthly payment
- Principal & interest $2,224/mo 77%
- Taxes $384/mo 13%
- Insurance $238/mo 8%
- HOA $50/mo 2%
$2,897/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Momentum Property Score
54/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 7.2 months of supply in the surrounding market and 58 days on market for this home, against a 63-day area median.Days on market:this home 58Area median: 63 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. As of July 15, 2026.
🟡 Asking $366 per square foot, about 68% above the community’s $218 median. New Eden On The Lakes Units 11 14 Rep St Cloud’s 12-month median sold price per square foot is $218. Median sold price per square foot is up 9.7% year over year. Confidence: Low · 5 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
73% of homes in New Eden On The Lakes Units 11 14 Rep St Cloud are owner-occupied. An estimated 27% are non-owner-occupied, including 4% held in a company or trust and 7% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 123 homes matched. Community-level context.
Recent New Eden On The Lakes Units 11 14 Rep St Cloud sales closed near 96.7% of original asking. Cash paid for about 20% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in New Eden On The Lakes Units 11 14 Rep St Cloud, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated July 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Tucked away at the end of a quiet cul-de-sac in New Eden on the Lakes, this waterfront retreat captures the laid-back Florida lifestyle that’s becoming harder to find. Set on over half an acre, the property stretches from a peaceful canal out to the open waters of Center Lake, offering direct access to the Chain of Lakes and breathtaking sunset views right from your backyard. Inside, the home offers a functional split-bedroom floor plan with three bedrooms, two bathrooms, and two separate living spaces designed for both entertaining and everyday comfort.
Terrazzo flooring and tile run throughout the home, complemented by crown molding in every room, adding timeless character and charm. Natural light fills the interior while serene water views create a relaxing atmosphere throughout. The spacious screened-in patio is the perfect place to enjoy peaceful mornings or unwind in the evening as the sun sets over the lake.
This home has great bones and is ready for your vision and updates to truly make it your own. With plenty of room to expand, the oversized lot provides endless opportunities to renovate, redesign, or even add onto the home to create your dream waterfront retreat. Beyond the main residence, a 343 SqFt detached workshop offers incredible flexibility and potential.
Whether transformed into a guest cottage, private office, art studio, or hobby space, it’s ready to adapt to your lifestyle needs. Out back, the private dock and boathouse make lake living effortless, while a public boat ramp just one block away adds even more convenience for boating enthusiasts. With no HOA or CDD, you’ll enjoy the freedom and flexibility you’ve been looking for while still being conveniently close to shopping, dining, medical facilities, and within easy driving distance to Florida’s beautiful beaches.
The washer and dryer are included and located in the garage, along with a riding mower to help maintain the expansive property. If you’ve been searching for waterfront living, privacy, space, and unlimited potential in a truly special setting, this property presents a rare opportunity to create the Florida dream home you’ve always imagined. One-year home warranty included with a full-price offer.
Description provided by WEICHERT REALTORS HALLMARK PRO and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
Actual list price: $439,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
- Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
- Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
- This home: 58 days on market vs. a 63-day community median
- 3 active listings competing, 2 under contract
- ≈7.2 months of supply
- 5 closed here in the last 12 months
For reference, this home is listed at $439,000 ($366/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 1,200 sq ft × $192–$244/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 25, 2026.
Similar homes for sale near NEW EDEN ON THE LAKES UNITS 11 & 14 REP
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS. Run --online for a live reading.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
Recent sales activity in NEW EDEN ON THE LAKES UNITS 11 & 14 REP
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the NEW EDEN ON THE LAKES UNITS 11 & 14 REP neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on NEW EDEN ON THE LAKES UNITS 11 & 14 REP
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in Osceola County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
See schools in the NEW EDEN ON THE LAKES UNITS 11 & 14 REP guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
- Confirm roof age and condition during inspection.
- Confirm HVAC age and condition during inspection.
- Request current HOA documents before relying on dues or restrictions.
- Obtain an insurance quote for this specific property.
- Confirm school zoning directly with the district.
- Order a survey to confirm lot boundaries.
- Review permit history with the county.
- Confirm whether flood insurance is required for this parcel.
- Confirm square footage and room dimensions independently.
- Ask the county how property taxes may change after a sale.
Approximate distances
Approximate drive times for general reference only.
Groceries, dining, and parks for this city — see the city guide.
Schools, taxes, and services are county-administered — see the county guide.
View →Amenities and HOA/CDD detail on the neighborhood guide.
View →Data sources & freshness
| Listing record | realMLS, refreshed twice daily (last: July 25, 2026) |
| Community market stats | realMLS closed sales, as of July 15, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Estimated from county rates; not a quote |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.