Crystal Creek
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Crystal Creek is a community in St Cloud, Osceola County, FL. Across St Cloud as a whole, 2,425 homes closed in the last 12 months at a median of $410,000, 48 median days on market, with 1,067 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,250 ($5,640 with the full homestead exemption).
Crystal Creek is a small, built-out pocket of 47 homes in St Cloud, all dating to a tight 2005 - 2007 window with a median build year of 2006. With no community amenities identified in the current listings, price here isn't being driven by lifestyle extras - it's driven by the homes themselves. The median living area sits at a substantial 2,296 square feet, so condition, updates, and lot matter more than square footage spread. Expect a wide price spread that tracks how much work a given home needs rather than any floor or ceiling the neighborhood sets.
The current posture is tight. There are zero active listings and only a couple of closings in the recent window, which means buyers have almost nothing to choose from and sellers face little direct competition. That's a thin-inventory market: a well-prepared listing can move quickly, but with so few trades it's hard to read a precise trend, and both sides should price off the specific home, not a headline average.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Nearby homes for sale
No active listings inside Crystal Creek right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Crystal Creek is a compact, fully established neighborhood of mid-2000s homes in St Cloud, Osceola County, with roomy floor plans and no shared amenities to carry the HOA story - the house is the product here.
Stellar MLS sales records identify 44 homes in Crystal Creek that have changed hands since 2006, built between 2005 and 2007 (median 2006), with a median living area of about 2,014 sq ft and a typical 4-bedroom, 2-bath layout; 100% are single-family homes. 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.
Who Crystal Creek is best for.
Best for
- Buying to hold in a stable, built-out St Cloud neighborhood with uniform-era homes
- Seeking a larger floor plan near the 2,296 sqft median rather than a starter footprint
- Buyers who are patient enough to wait for scarce inventory and act when it appears
Probably not for
- Needing to choose from several active listings on your timeline
- Wanting pools, trails, or other shared community amenities built into the HOA
- Relying on a deep run of recent comps to pin down exact value
The market around Crystal Creek
Crystal Creek is too small for its own price trend, so here is the market around it.
In ZIP 34772, 498 homes are on the market and 26% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,437 homes are active and 1,077 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 1.9 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 Crystal Creek specifically. Momentum Research analysis of MLS records.
Recent Developments in Crystal Creek
Development, infrastructure, retail, and school activity affecting Crystal Creek, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Orange County commissioners approve Tuscana land use plan in Shingle Creek Basin on 4-3 vote
Commissioners voted 4-3 to approve the Tuscana land use application from Shingle Creek Co-Owners LLC and Geyer Development, reversing a unanimous rejection in May 2025. The plan includes more than 1,000 hotel rooms, about 4,000 apartments and commercial buildings, with conditions for a raised road, flood mitigation and wetland protection. The developer projects thousands of jobs at full build-out.
What it may mean for the marketThe approval could add substantial rental housing, hotel capacity and commercial space in the Shingle Creek area, while flood-mitigation conditions will shape how and when it is built. The site is about 3 miles west of Crystal Creek.
Source: Spectrum News 13 - 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 14 miles east of Crystal Creek, elsewhere in Osceola County.
Source: Spectrum News 13 - August 2026Retail & Dining
Plans for Mattel indoor water park near Lake Buena Vista Factory Stores expand to 13 acres
Updated plans for the site off State Road 535 show a 95,000-square-foot indoor water park designed by Martin Aquatic, a separate 45,000-square-foot entertainment building and nearly 900 parking spaces. The tower height rises to as much as 100 feet and still needs Orange County approval. About 200 jobs are expected, and no opening date has been announced.
What it may mean for the marketThe project would add visitor attractions, dining and roughly 200 jobs near the State Road 535 corridor, with added traffic and parking demand nearby. The site is about 5 miles west of Crystal Creek.
Source: FOX 35 Orlando - 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 project is about 13 miles southeast of Crystal Creek, elsewhere in Osceola County.
Source: Spectrum News 13 - March 2026Development
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
What it may mean for the marketA new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 9 miles east of Crystal Creek.
Source: ClickOrlando
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.
The Crystal Creek buying strategy.
If we were buying in Crystal Creek 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 Crystal Creek.
A small, built-out pocket
With all 47 homes built across just three years, Crystal Creek has the uniformity of a single construction era. That tends to mean comparable bones, similar-age roofs and systems, and a median living area near 2,296 square feet - larger-format homes rather than starter footprints. Because the vintage is consistent, your diligence should focus on how each individual home has been maintained and updated over roughly two decades, not on guessing which builder phase you're in.
Just under 60% of homes carry a homestead exemption, which points to a neighborhood held largely by owner-occupants rather than investors. For a buyer, that can mean homes that have been lived in and cared for; for a seller, it means your competition - when it appears - is usually another owner who knows the home, not a flipper racing the clock. With no amenities on the books, verify any HOA scope and dues directly before you write.
The location and the amenities are priced into every listing in Crystal Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a neighborhood this thin - zero active listings and only a couple of recent closings - pricing and timing come down to reading the few trades that exist and the condition of the specific home. We track Crystal Creek at the parcel level so sellers aren't guessing and buyers aren't overpaying when something finally hits the market. If inventory stays scarce, we'll help you move decisively; if it loosens, we'll tell you to wait.
Crystal Creek in 15 seconds.
Tools for a Crystal Creek 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 Crystal Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Crystal Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Crystal Creek home worth?
Get a no-obligation home value based on real comparable sales in Crystal Creek, 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 Crystal Creek on the map →
| Location | St Cloud, Osceola County, FL · ZIP 34772 |
|---|---|
| Homes in the community | 47 (FL DOR 2025 assessment roll) |
| Years built | 2005–2007 (median 2006) |
| Typical living area | 2,296 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 60% |
Data as of September 16, 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, “Crystal Creek key facts,” movewithmomentum.com/neighborhoods/crystal-creek-st-cloud, data as of September 16, 2026.
Housing distress & ownership in Crystal Creek, 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.
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
- Gated communities in St Cloud
- St Cloud home values: what is my house worth?
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
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Creekview Court (43 homes on record)
- Creekview Court (1 homes on record)
Email me new listings in Crystal Creek
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 Crystal Creek
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Crystal Creek will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Crystal Creek?
What share of Crystal Creek is owner-occupied?
When were the homes in Crystal Creek built?
Who is the best real estate agent for Crystal Creek?
How do I find a top St Cloud real estate agent who knows Crystal Creek?
Can Momentum Realty connect me with an agent for Crystal Creek?
Where is Crystal Creek, and what county is it in?
Should you buy in Crystal Creek?
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: September 11, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-12 |
| Historical depth | Closed-sale records back to 2014 (13 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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