Canoe Creek Villas in St Cloud

Canoe Creek Villas
Homes for Sale in St Cloud, FL

Community in St Cloud · Osceola County · ZIP 34769
53 homesBuilt 1994–1998
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Photo via Stellar MLS

Built fromLive Stellar MLS data12 years of closingsFL DOR public recordsUpdated twice daily

As of October 2026, Canoe Creek Villas in St Cloud, FL has 2 homes for sale. Homes listed or recently sold were built 1994–1997; 5 of 5 report an HOA (median $182/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 74 ft).

Last 30 days in Canoe Creek Villas: 2 new listings (median asking $249,500), 1 under contract right now. As of October 20, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

Live · Canoe Creek Villas Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
12.0mo
Supply
3 to 6 months is the balanced band
0%
Under contract
Osceola: 20% (1,093 of 5,558)
2 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
55%
Owner-occupied · Canoe Creek Villas
29 of 53 parcels homesteaded (FL DOR 2025)
45%
Non-owner-occupied · Canoe Creek Villas
incl. 6% trust or LLC-held · 15% out-of-state
53
Homes in the community
53 residential parcels (FL DOR 2025)
Track record · 12 years of records
Est. 1994
Community established
homes built 1994-1998, median 1996 (FL DOR 2025)
3.8%/yr
Turnover rate
about 2 of 53 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 13, 2026

Canoe Creek Villas is a small, defined community in St Cloud, and with a closings window of just the last couple of months, the data here is thin. That means condition and specific unit location — not headline averages — set the price on any given sale. Treat any one comp as a starting point for a conversation, not a rule.

For a buyer, thin recent activity cuts both ways: less competition on the ground, but fewer clean comparables to anchor an offer. For a seller, pricing has to lean on the details of your specific villa rather than a deep sales history. In a market this quiet, preparation and presentation do more work than they would in a high-volume neighborhood.

Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Canoe Creek Villas Housing Pulse · Momentum Research · as of September 20, 2026

Canoe Creek Villas right now

🟢 Buyer-leaning market. 12.0 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 September 20, 2026. Confidence: Low (2 active and pending listings, 2 closed sales in 12 months).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated October 20, 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

Canoe Creek Villas is a compact villa community in St Cloud, in Osceola County, where the small scale means each sale carries more weight in setting the tone than it would in a larger subdivision.

Stellar MLS sales records identify 40 homes in Canoe Creek Villas that have changed hands since 2004, built between 1994 and 1998 (median 1996), with a median living area of about 1,041 sq ft and a typical 2-bedroom, 2-bath layout; 98% 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.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Buyers seeking a lower-maintenance villa over a larger single-family home
  • Buyers who prioritize St Cloud location and county access over a long sales record
  • Buyers comfortable evaluating a home on its specific condition rather than neighborhood averages

Probably not for

  • Buyers who need a deep pool of recent comparables before making an offer
  • Buyers wanting a large-lot single-family home rather than a villa
  • Buyers looking for a high-turnover market with constant new inventory

The market around Canoe Creek Villas

Canoe Creek Villas is too small for its own price trend, so here is the market around it.

In ZIP 34769, 181 homes are on the market and 22% are under contract — a steady corner of St Cloud.

Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).

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.

ZIP and county figures describe the wider market, not Canoe Creek Villas specifically. Momentum Research analysis of MLS records.

Homes For Sale Right Now in Canoe Creek Villas

Live MLS inventory for Canoe Creek Villas. 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 Canoe Creek Villas listings as of 2026-10-19, 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.

Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.

Schools

In short
  • Osceola County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Neptune Elementary · Elementary
  • St. Cloud Middle (6-8) · Middle
  • St. Cloud High School · High

Zoned schools reflect the assignments reported on recent Canoe Creek Villas 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 Canoe Creek Villas address.

If we were buying in Canoe Creek Villas today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

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.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Canoe Creek Villas.

Best Buy
Buyers who want a low-maintenance villa in St Cloud and value location over a deep comp history.
Biggest Risk
Thin recent sales make pricing harder to anchor with confidence.
Sweet Spot
A well-maintained villa priced honestly against its actual condition.
Avoid If
You need deep, active comps to feel confident before you commit.

A small St Cloud villa pocket

Villa communities like this one tend to trade on the things you can't change — floor plan, position within the community, and how well the unit has been maintained. With a limited run of recent closings, the honest read is that pricing here is condition-driven and best assessed unit by unit rather than by a broad neighborhood number.

Location does the quiet work here: St Cloud sits in Osceola County with straightforward access to the wider central Florida corridor. That matters for resale and for anyone weighing this community against alternatives, since the appeal is as much about where St Cloud sits as about the villas themselves.

“

The location and the amenities are priced into every listing in Canoe Creek Villas. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a community with few recent closings, the value we add is judgment where the data runs out. We'll walk your specific villa against what little has actually traded, tell you where a comp genuinely applies and where it doesn't, and keep your pricing or your offer grounded in the details rather than a thin average.

Canoe Creek Villas in 15 seconds.

Best forBuyers who want a low-maintenance villa in St Cloud and value location over a deep comp history.
Biggest advantageA small, defined community with straightforward Osceola County access.
Biggest riskThin recent sales make pricing harder to anchor with confidence.
Sweet spotA well-maintained villa priced honestly against its actual condition.
Avoid ifYou need deep, active comps to feel confident before you commit.

What it really costs to own in Canoe Creek Villas

The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.

HOA duesMedian $182/month across 4 MLS listings (most billed monthly; 2026-10-20). Dues cover what the documents say they cover; ask for the budget and reserve study.
Home and flood insuranceThe 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 ageMedian build year 1995 across 4 listings. An original roof here would be about 31 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 Canoe Creek Villas

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.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Canoe Creek Villas

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Canoe Creek Villas will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Canoe Creek Villas homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Canoe Creek Villas.
In short
  • HOA dues reported around $182/month (about $2,184/yr) · median of 4 MLS listings, most billed monthly
  • Any club/amenity membership is billed separately

Listings in this community report association dues of about $182 per month ($2,184 a year) — the median AssociationFee across 4 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, 2026-10.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Canoe Creek Villas sales matched to your home.

What is your Canoe Creek Villas home worth?

Get a no-obligation home value based on real comparable sales in Canoe Creek Villas, 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 Canoe Creek Villas on the map →

Real comps, not an automated estimate.
Canoe Creek Villas key facts
LocationSt Cloud, Osceola County, FL · ZIP 34769
Homes in the community53 (FL DOR 2025 assessment roll)
Years built1994–1998 (median 1996)
Typical living area1,157 sq ft (median)
Home types (current listings and sales)townhouses 80%, villas 20%
Amenities listed by sellersPool, Community Mailbox
For sale right now2 active, 0 pending · median asking $252,000 · 12.0 months of supply
Owner-occupied (homestead) share55%

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, “Canoe Creek Villas key facts,” movewithmomentum.com/neighborhoods/canoe-creek-villas, data as of September 20, 2026.

Housing distress & ownership in Canoe Creek Villas, St Cloud

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 5 listings
Distress share trend — 0.0% now (2026-09-13 → 2026-10-09)

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.

Just listed in Canoe Creek Villas

The newest homes for sale in Canoe Creek Villas right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS Oct 20, 2026. All new listings in this market.

Every Home for Sale in Canoe Creek Villas Right Now (3)

All 3 active and pending Canoe Creek Villas listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

How much local inventory is already under contract

19% 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 (2026-10-20).

Recent Developments in Canoe Creek Villas

Development, infrastructure, retail, and school activity affecting Canoe Creek Villas, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.

  1. September 2026
    Infrastructure

    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 15 miles northeast of Canoe Creek Villas, elsewhere in Osceola County.

    Source: Spectrum News 13
  2. August 2026
    Civic

    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 5 miles northeast of Canoe Creek Villas.

    Source: Spectrum News 13

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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.

Frequently Asked Questions

Is Canoe Creek Villas a buyer's or seller's market right now?
As of September 20, 2026, Canoe Creek Villas leans toward buyers: 12.0 months of supply at the current sales pace (Stellar MLS live counts).
How many homes are in Canoe Creek Villas?
The Florida DOR 2025 assessment roll shows 53 homes in Canoe Creek Villas (public records).
What share of Canoe Creek Villas is owner-occupied?
55% of Canoe Creek Villas parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Canoe Creek Villas built?
Homes in Canoe Creek Villas were built between 1994 and 1998, with a median year built of 1996 (FL DOR 2025 roll).
Who is the best real estate agent for Canoe Creek Villas?
The best agent for Canoe Creek Villas is one who actively works St Cloud and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Canoe Creek Villas.
How do I find a top St Cloud real estate agent who knows Canoe Creek Villas?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Canoe Creek Villas and the wider St Cloud area.
Can Momentum Realty connect me with an agent for Canoe Creek Villas?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Canoe Creek Villas purchase or sale - no call center and no pressure.
Where is Canoe Creek Villas, and what county is it in?
Canoe Creek Villas is in St Cloud, Osceola County, FL, ZIP 34769. The community's center is about 5 miles north of the center of St Cloud (straight-line).
Buyers seeking a lower-maintenance villa over a larger single-family homeExcellent fit
Buyers who prioritize St Cloud location and county access over a long sales recordExcellent fit
Buyers comfortable evaluating a home on its specific condition rather than neighborhood averagesExcellent fit
Buyers who need a deep pool of recent comparables before making an offerProbably not
Buyers wanting a large-lot single-family home rather than a villaProbably not
Buyers looking for a high-turnover market with constant new inventoryProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: October 19, 2026)
Housing stock & ownershipFlorida DOR assessment roll (street-list match (1 streets, ZIP 34769))
Under-contract sharesStellar MLS records, as of 2026-09-20
Historical depthClosed-sale records back to 2014 (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.

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Nearby Communities

Explore more neighborhoods near Canoe Creek Villas with Momentum Realty’s local guides.

VGVillage Green Townhouses0.1 mi away · 38 homes, built 2000–03Pine Chase Estates0.2 mi away · median $345K, 3 sales/12 moCPCypress Point0.2 mi away · median $310K, 7 sales/12 moKOKing Oak Villas0.3 mi away · 205 homes, built 1987–94

Browse all neighborhood guides →

Thinking of selling in Canoe Creek Villas? 2 recorded closings (window ending 2026-09-20). See the Osceola County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.
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