Center Lake Ranch Homes for Sale in St Cloud, FL
Center Lake Ranch is one community to a buyer and 3 to the MLS: each phase, tract or condominium was platted and recorded separately, so its listings, sales and HOA facts sit on separate records. This page adds them up and links every section, so you can compare prices across Center Lake Ranch before you narrow to one street.
Center Lake Ranch in St Cloud, FL is 3 MLS subdivisions, with 35 homes for sale or pending across them as of October 20, 2026. Asking prices run $315,000 to $999,768 (median $549,274). Over the last 12 months the sections recorded 108 closed sales at a median of $503,750, $225 per square foot, a median 88 days on market. Homes listed today were built 2024–2027. The MLS holds 141 closed sales for Center Lake Ranch in total, the most recent in September 2026.
Center Lake Ranch homes for sale by section
Click a section for its own page: the homes for sale there, its sales history, HOA and flood facts.
| Section | For sale | Median asking | Sold / 12 mo | Median sold | Days on market |
|---|---|---|---|---|---|
| Waters at Center Lake Ranch | 21 | $532,449 | 65 | $492,500 | 49 |
| Esplanade at Center Lake Ranch | 14 | $557,809 | 43 | $515,000 | 127 |
| Splanade at Center Lake Ranch | 0 | — | 0 | — | — |
How to read Center Lake Ranch prices
Sections of one community can price very differently: build year, lot size, water or golf frontage and HOA scope all move the median. Compare the section medians above before judging a single listing, and treat the community-wide median as the reference point, not a value for any specific home.
What it really costs to own in Center Lake Ranch
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $2,442/yr in CDD or special-district assessments on the tax bill (5 listings, MLS, 2026-10-20). 100% of the 5 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | Median $86/month across 5 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 2025 across 5 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Center Lake Ranch
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 Center Lake Ranch
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Center Lake Ranch will answer, and the answer is published on this page for the next buyer.
Common questions
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Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only for the 3 MLS sections of Center Lake Ranch; no individual listing is displayed here. Prices are asking or recorded sale prices, not values. Property facts only; nothing on this page describes residents. Equal Housing Opportunity.