Canoe Creek Villas
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
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.

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 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.
The setting & the homes.
Aerial and on-site photos of Canoe Creek Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Canoe Creek Villas; content deemed reliable but not guaranteed.
Who Canoe Creek Villas is best for.
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.
Canoe Creek Villas 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.
Schools
- 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.
Shop the zone: Homes zoned for St. Cloud High School
The Canoe Creek Villas buying strategy.
If we were buying in Canoe Creek Villas 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 Canoe Creek Villas.
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.
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.
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 dues | Median $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 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 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.
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.
HOA, CDD & Fees
- 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.
Tools for a Canoe Creek Villas 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 Canoe Creek Villas sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Canoe Creek Villas, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Homes in the community | 53 (FL DOR 2025 assessment roll) |
| Years built | 1994–1998 (median 1996) |
| Typical living area | 1,157 sq ft (median) |
| Home types (current listings and sales) | townhouses 80%, villas 20% |
| Amenities listed by sellers | Pool, Community Mailbox |
| For sale right now | 2 active, 0 pending · median asking $252,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 55% |
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.
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.
- 3231 Villa Way Circle $250,000 · 3 bd · 2 ba · 1,154 sq ft · 11 days on market Courtesy of EXP REALTY LLC
- 3200 Villa Way Circle $249,000 · 3 bd · 2 ba · 1,156 sq ft · 27 days on market Courtesy of ORANGE SLICE PROPERTIES
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.
- 3231 Villa Way Circle · $250,000 · 3 bd / 2 ba · listed Oct 9, 2026 · listed by Exp Realty Llc
- 3200 Villa Way Circle · $249,000 · 3 bd / 2 ba · listed Oct 8, 2026 · listed by Orange Slice Properties
- 3219 Villa Way Circle · $242,000 · 2 bd / 2 ba · pending · listed Aug 29, 2026 · listed by Remax Premier Properties
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St Cloud guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- New construction
- New construction (Osceola County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
Real estate agent in St Cloud? Join Momentum in St Cloud: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Villa Way Circle (37 homes on record)
- Villa Way Circle (1 homes on record)
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.
- 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 15 miles northeast of Canoe Creek Villas, 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 5 miles northeast of Canoe Creek Villas.
Source: Spectrum News 13
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?
How many homes are in Canoe Creek Villas?
What share of Canoe Creek Villas is owner-occupied?
When were the homes in Canoe Creek Villas built?
Who is the best real estate agent for Canoe Creek Villas?
How do I find a top St Cloud real estate agent who knows Canoe Creek Villas?
Can Momentum Realty connect me with an agent for Canoe Creek Villas?
Where is Canoe Creek Villas, and what county is it in?
Should you buy in Canoe Creek Villas?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 19, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34769)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-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.
Own a home here?
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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.
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