Citrus Ponds
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Citrus Ponds in St Cloud, FL has 1 home for sale. As of October 2026, the MLS records 1 closed sale in Citrus Ponds in St Cloud, FL, the most recent in April 2022. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 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).
Citrus Ponds is a small pocket in St Cloud, six homes total, and with just one active listing at any given time, pricing here is set home by home rather than by broad market trend. The build years span 1990 to 2023, so condition and vintage do more to explain price than location or comparable sales volume ever could.
With homestead exemptions on only half the parcels, this is a mix of owner-occupied and non-owner-occupied use, which is worth asking about directly if you are trying to gauge how the community actually functions day to day. Because so few homes exist here, a buyer or seller should treat every listing as its own case rather than lean on neighborhood-wide averages.
The 60-Second Overview
Citrus Ponds is a compact enclave of six homes in St Cloud, Osceola County, spanning builds from 1990 through 2023 with a median year built of 2000 - small enough that each listing tends to set its own terms rather than follow a broader trend line.
County records show 5 qualified sales in Citrus Ponds across 2024 - 2025 (3 in 2024, 2 in 2025), median $481,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Citrus Ponds is best for.
Best for
- A buyer targeting this specific St Cloud location who has flexibility on build year and home age.
- Someone comfortable evaluating a single home on its own condition rather than relying on neighborhood comps.
- A buyer who does not need on-site community amenities and is fine sourcing recreation elsewhere.
Probably not for
- A buyer who wants a large pool of active listings to compare before deciding.
- Someone specifically seeking built-in community amenities as part of the purchase.
- A buyer who needs a fast, high-volume market with frequent turnover to work with.
The market around Citrus Ponds
Citrus Ponds is too small for its own price trend, so here is the market around it.
In ZIP 34772, 496 homes are on the market and 26% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34772 (ST CLOUD), 1,994 homes closed in the last 12 months at a median of $410K ($206/sq ft), down 1.0% year over year, with a median 43 days on market. Right now 321 active and 158 pending listings put supply at about 3.7 months - a healthy market. See the live ZIP 34772 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Citrus Ponds specifically. Momentum Research analysis of MLS records.
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.
26% of homes for sale in ZIP 34772 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 (2026-10-01).
CITRUS PONDS Market Scorecard
CITRUS PONDS is currently a thin data market. Limited supply, a median asking price of $575,000, and homes go under contract in about 63 days.
Typical home value in the 34772 ZIP is $398,990, about 8.0% below 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.
Homes For Sale Right Now in Citrus Ponds
Live MLS inventory for Citrus Ponds. 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 Citrus Ponds listings as of 2026-07-16, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2022. Tap any home to ask about it.
Every Home for Sale in Citrus Ponds St Cloud Right Now (1)
All 1 active and pending Citrus Ponds St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3620 Kaiser Avenue · $575,000 · 3 bd / 2 ba · listed Jul 9, 2026 · listed by Florida Realty Results Llc
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Michigan Avenue Elem (K 5) · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Citrus Ponds 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 Citrus Ponds address.
Shop the zone: Homes zoned for Harmony High High School
The Citrus Ponds buying strategy.
If we were buying in Citrus Ponds 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Citrus Ponds.
A Six-Home Market
At just six homes, Citrus Ponds does not behave like a typical subdivision with recurring turnover and a predictable pricing band. The median living area sits at 1,800 square feet, and with a median year built of 2000 against a range running back to 1990 and up to 2023, you will find both older and newly built product under the same community name.
No community amenities are identified from current MLS listings, so any recreational or common-area features would need to be verified directly rather than assumed from the name or area. With only one active listing at a time, timing matters more here than in larger communities - a buyer working this pocket should be ready to move when something appears, and a seller should expect a smaller pool of directly comparable recent sales to lean on.
The location and the amenities are priced into every listing in Citrus Ponds. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this small, generic market data will not tell you much - we track Citrus Ponds listing by listing, verify what is actually built and updated on each property, and help you price or bid based on the individual home rather than an average that only reflects six data points.
Citrus Ponds 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 Citrus Ponds 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 Citrus Ponds sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Citrus Ponds, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Citrus Ponds home worth?
Get a no-obligation home value based on real comparable sales in Citrus Ponds, 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 Citrus Ponds on the map →
Should you buy in Citrus Ponds?
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: July 16, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2022 (1 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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Citrus Ponds fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Citrus Ponds
Where is Citrus Ponds?
Citrus Ponds is a community in ST CLOUD, Osceola County, Florida, ZIP 34772.
Are there homes for sale in Citrus Ponds right now?
Yes - 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Citrus Ponds have an HOA or CDD?
No HOA is on record for Citrus Ponds in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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