Charleston Square
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Charleston Square St Cloud in St Cloud, FL has 1 home for sale. As of September 2026, the MLS records 4 closed sales in Charleston Square St Cloud in St Cloud, FL since 2017, the most recent in August 2026. Across St Cloud as a whole, 1,837 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 519 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Charleston Square St Cloud is not a single-builder subdivision behaving like one. A year-built range stretching from 1909 to 2022, with a median build year of 1983, tells you this is a mixed-vintage pocket of Osceola County - original homesteads sitting near recent construction. That spread is the real driver of price and condition variation here, not square footage or amenities, since none are noted on current listings.
With only 3 active listings against 103 total homes, this is a thin market. There is not enough current inventory to establish a reliable price trend from listings alone, so any pricing conversation here has to lean on comparable closed sales and a house-by-house read on age and condition rather than a headline number.
Charleston Square 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 12, 2026. Confidence: Low (1 active and pending listings, 0 closed sales in 12 months).
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Updated September 12, 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
A modest-footprint pocket of St Cloud - median living area of about 1,451 square feet - where more than half of homes carry a homestead exemption, pointing to an owner-occupied base rather than a rental-heavy or investor-driven block.
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.
Who Charleston Square is best for.
Best for
- Buyers who want a modest square-footage home and are comfortable vetting age and condition individually
- Buyers prioritizing an owner-occupied setting over a rental-heavy block
- Buyers open to either an older, individually built home or newer infill construction under the same community name
Probably not for
- Buyers who want a community pool, clubhouse, or organized common-area amenities
- Buyers who need a large, consistent inventory of active listings to compare before deciding
- Buyers who want a single, uniform build era rather than a mix spanning more than a century
The market around Charleston Square
Charleston Square is too small for its own price trend, so here is the market around it.
In ZIP 34769, 189 homes are on the market and 21% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
ZIP and county figures describe the wider market, not Charleston Square specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Charleston Square
Live MLS inventory for Charleston Square. 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 Charleston Square listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2017 through 2026. Tap any home to ask about it.
The Charleston Square buying strategy.
If we were buying in Charleston Square 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 Charleston Square.
A community defined by vintage spread, not a build era
Most named communities in this part of Osceola County read as a single development phase - one builder, one decade, similar floor plans. Charleston Square doesn't fit that mold. With homes dating back to 1909 and others built as recently as 2022, buyers here are really choosing between two different products under one name: older, individually built homes and newer infill construction. That distinction matters more than any single community-wide statistic.
No community amenities surface in current MLS listings, which reinforces that this is a location and housing-stock play rather than a lifestyle-amenity purchase. Evaluate it on lot, structure, and proximity to the surrounding St Cloud corridor - not on a clubhouse or pool that isn't there.
The location and the amenities are priced into every listing in Charleston Square. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market with only 3 active listings across 103 homes, generic search portals won't show you enough to compare intelligently. We track off-market and recently closed activity in this specific pocket of St Cloud so you're pricing against real comparables - matched by build era and condition - instead of a thin, misleading active-listing sample.
Charleston Square in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Charleston Square 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 Charleston Square sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Charleston Square, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Charleston Square home worth?
Get a no-obligation home value based on real comparable sales in Charleston Square, 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 Charleston Square on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
23% 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 (2026-09-12).
CHARLESTON SQUARE Market Scorecard
CHARLESTON SQUARE is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $327,000, and homes go under contract in about 120 days.
Typical home value in the 34769 ZIP is $318,664, about 8.6% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Charleston Square a buyer's or seller's market right now?
Who is the best real estate agent for Charleston Square?
How do I find a top St Cloud real estate agent who knows Charleston Square?
Can Momentum Realty connect me with an agent for Charleston Square?
Should you buy in Charleston Square?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Charleston Square with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2017 (4 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.
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