Gramercy Farms
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, gramercy farms in St Cloud, FL has 15 homes for sale and 4 pending, asking from $310,000 to $465,000 (median $349,990). Over the 12 months ending 2026-09-20, 27 recorded sales closed at a median of $356,000, $199 per square foot, a median 47 days on market, sellers accepting 97% of original asking (-5% versus the prior year). Homes listed or recently sold were built 2014 - 2022; 31 of 31 report an HOA (median $8/mo); 2 of the 31 geocoded homes sit in a FEMA special flood hazard zone (median elevation 78 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $5,420 ($4,820 with the full homestead exemption).
Last 30 days in Gramercy Farms: 5 new listings (median asking $344,900), 4 under contract right now, 2 closed sales (median $337,450). As of October 16, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Gramercy Farms
Live MLS inventory for Gramercy Farms. 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 · 104 daysTop listing
Active · 48 days
Active · 117 days
Active · 5 days
Active · 1 days
Active · 175 days
Active · 56 days
Active · 215 days
Active · 172 days
Active · 1 days
Active · 39 days
Active · 280 days
Active · 61 days
Active · 22 daysActive and pending Gramercy Farms listings as of 2026-10-14, 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.
Gramercy Farms right now
🟡 Balanced market. 5.8 months of supply and 10% of the inventory already under contract put buyers and sellers on roughly even footing.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: Very High (20 active and pending listings, 27 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($356K) is down 5.1% from the prior 12 months ($375K). With about 18 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: High (27 and 25 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 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
Gramercy Farms market snapshot (as of September 20, 2026): the median sale price is about $356K ($199 per sq ft over the trailing 12 months of closed sales), a median 47 days on market for closed sales, and 5.8 months of supply, a balanced market. The trailing-12-month median is down 5% from the prior 12 months, computed from record-level Stellar MLS closed sales (27 closings in the current window).
In ZIP 34772 (St Cloud), 1,990 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.
County records show 33 qualified sales in gramercy farms across 2024 - 2025 (21 in 2024, 12 in 2025), median $380,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Gramercy Farms: of 26 listing addresses checked against the FEMA National Flood Hazard Layer, 92% sit outside the FEMA Special Flood Hazard Area (Zone X); 8% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
Gramercy Farms is a community of 654 homes in St Cloud, Osceola County, built between 2013 and 2023 (median 2019.0), with a median living area of about 2,059 square feet. 85% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Gramercy Farms. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Gramercy FarmsGramercy FarmsGramercy Farms
Gramercy FarmsGramercy FarmsGramercy FarmsGramercy FarmsGramercy FarmsPhotos from Stellar MLS listings in Gramercy Farms; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($356K) IS the median in the snapshot above, and the move from 2025 ($375K) IS the -5.1% one-year change.
Windows contain 0 to 49 sales each (27 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Deemed reliable but not guaranteed.
21% of homes for sale in Gramercy Farms 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 (2026-10-17).
GRAMERCY FARMS Market Scorecard
GRAMERCY FARMS is currently a balanced market. About 5.0 months of supply, a median asking price of $349,990, and homes go under contract in about 56 days.
Typical home value in the 34772 ZIP is $393,754, about 8.4% 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.
Gramercy Farms 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.
Life at Gramercy Farms
- Playground · reported on 20 of 25 listings
- Park · reported on 11 of 25 listings
- Dog Park · reported on 11 of 25 listings
- Deed Restrictions · reported on 10 of 25 listings
- Community Mailbox · reported on 6 of 25 listings
- Irrigation-Reclaimed Water · reported on 4 of 25 listings
- Basketball Court · reported on 4 of 25 listings
- Pool · reported on 2 of 25 listings
- Fence Restrictions · reported on 1 of 25 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hickory Tree Elem · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Gramercy Farms 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 Gramercy Farms address.
Shop the zone: Homes zoned for Harmony High High School
Recent Developments in Gramercy Farms
Development, infrastructure, retail, and school activity affecting Gramercy Farms, 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 12 miles north of Gramercy Farms, 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 3 miles northwest of Gramercy Farms.
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 12 miles north of Gramercy Farms.
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 Gramercy Farms buying strategy.
If we were buying in Gramercy Farms 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 Gramercy Farms.
A closer look at the Gramercy Farms market
At a median of $199 per square foot, Gramercy Farms prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 5.8 months of supply, a balanced market and the trailing-12-month median down 5% year over year. Homes that do trade take a median 47 days on market, useful leverage on any listing that has lingered.
The housing stock is 654 homes built between 2013 and 2023, and 85% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Gramercy Farms. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Gramercy Farms buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (6.4). Basis: Recent Direction -5.1% year-over-year; Liquidity & Demand 5.8 months of supply; Owner Commitment 85% owner-occupied; Pricing Power 97.0% sale-to-list. Refreshed with each data update.
What it really costs to own in Gramercy Farms
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 $1,913/yr in CDD or special-district assessments on the tax bill (21 listings, MLS, 2026-10-16). 91% of the 23 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 $8/month across 946 MLS listings (most billed annually; 2026-10-15). 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. Flood: of 26 listing addresses checked against the FEMA flood map, 92% sit outside the high-risk zone and 8% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2019 across 28 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Gramercy Farms
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 Gramercy Farms
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Gramercy Farms will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $8/month · median of 946 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $8 per month - the median AssociationFee across 946 MLS records, normalised to a monthly figure; most are billed annually. 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.
Flood & Insurance Context
Of 26 sampled listing addresses in this community: 92% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 8% in an A-series Special Flood Hazard Area zone.
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=26) · as of 2026-10
Tools for a Gramercy Farms 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 Gramercy Farms sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Gramercy Farms, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Gramercy Farms home worth?
Get a no-obligation home value based on real comparable sales in Gramercy Farms, 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 Gramercy Farms on the map →
Recently off market in gramercy farms
Homes in gramercy farms that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 8 on record.
- 2809 Shelburne Way · off market
- 2837 Shelburne Way · off market
- 3040 Lakes Crest Avenue · off market
- 3071 Fieldwood Circle · off market
- 3201 Sweet Acres Place · off market
- 4531 Calumet Drive · off market
- 4571 Calumet Drive · off market
- 4621 Glencrest Loop · off market
| Location | St Cloud, Osceola County, FL · ZIP 34772 |
|---|---|
| Homes in the community | 654 (FL DOR 2025 assessment roll) |
| Years built | 2013–2023 (median 2019.0) |
| Typical living area | 2,059 sq ft (median) |
| Home types (current listings and sales) | single-family 84%, townhouses 16% |
| Amenities listed by sellers | Playground, Community Mailbox, Dog Park, Deed Restrictions, Park, Basketball Court |
| Sale prices, last 12 months | $356,000 median across 27 closed sales · $199 per sq ft · -5.1% vs the prior 12 months |
| Days on market (closed sales) | 47 median |
| For sale right now | 18 active, 2 pending · median asking $349,995 · 5.8 months of supply |
| Owner-occupied (homestead) share | 85% |
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, “Gramercy Farms key facts,” movewithmomentum.com/neighborhoods/gramercy-farms-st-cloud, data as of September 20, 2026.
Housing distress & ownership in gramercy farms, 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 Gramercy Farms
The newest homes for sale in Gramercy Farms right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 2942 Fieldwood Circle $344,900 · 3 bd · 2.5 ba · 1,884 sq ft · 1 day on market Courtesy of EXP REALTY LLC
- 3045 Sweet Acres Place $386,000 · 4 bd · 2 ba · 1,696 sq ft · 1 day on market Courtesy of HOME WISE REALTY GROUP, INC.
- 2956 Fieldwood Circle $310,000 · 3 bd · 2.5 ba · 1,713 sq ft · 13 days on market Courtesy of PREFERRED REAL ESTATE BROKERS
- 2934 Fieldwood Circle $315,000 · 3 bd · 2.5 ba · 1,884 sq ft · 22 days on market Courtesy of CENTURY 21 NEXT LEVEL REALTY
- 4597 Baler Trails Drive $454,999 · 4 bd · 2.5 ba · 2,914 sq ft · 48 days on market Courtesy of TROPICAL SPRINGS REALTY
- 4563 Orchard Grove Road $350,000 · 4 bd · 2 ba · 1,894 sq ft · 56 days on market Courtesy of PRIMUS CRE GROUP
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in Gramercy Farms St Cloud Right Now (18)
All 18 active and pending Gramercy Farms St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3045 Sweet Acres Place · $386,000 · 4 bd / 2 ba · listed Sep 18, 2026 · listed by Home Wise Realty Group, Inc.
- 2942 Fieldwood Circle · $344,900 · 3 bd / 2.5 ba · listed Sep 16, 2026 · listed by Exp Realty Llc
- 2894 Mosshire Circle · $334,000 · 4 bd / 2 ba · pending · listed Sep 14, 2026 · listed by Jmp Realty, Inc.
- 2956 Fieldwood Circle · $310,000 · 3 bd / 2.5 ba · listed Sep 8, 2026 · listed by Preferred Real Estate Brokers
- 2934 Fieldwood Circle · $315,000 · 3 bd / 2.5 ba · listed Sep 8, 2026 · listed by Century 21 Next Level Realty
- 2933 Fieldwood Circle · $325,000 · 3 bd / 2.5 ba · listed Sep 2, 2026 · listed by La Rosa Realty Kissimmee
- 4602 Harvest Row Lane · $360,000 · 3 bd / 2 ba · pending · listed Aug 24, 2026 · listed by Lpt Realty, Llc
- 3075 Fieldwood Circle · $339,990 · 3 bd / 2.5 ba · listed Aug 16, 2026 · listed by Sunny 365 Realty Group
- 4597 Baler Trails Drive · $454,999 · 4 bd / 2.5 ba · listed Jul 24, 2026 · listed by Tropical Springs Realty
- 4563 Orchard Grove Road · $350,000 · 4 bd / 2 ba · listed Jul 16, 2026 · listed by Primus Cre Group
- 4539 Calumet Drive · $465,000 · 4 bd / 3 ba · listed Jul 16, 2026 · listed by Lpt Realty, Llc
- 4569 Baler Trails Drive · $419,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Keller Williams Legacy Realty
- 4637 Glencrest Loop · $345,000 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by Blue Chip Realty Preferred Inc
- 4548 Orchard Grove Road · $370,000 · 4 bd / 2 ba · listed Jul 16, 2026 · listed by Imperial Realty Of Florida Inc
- 3166 Sweet Acres Place · $349,990 · 3 bd / 2 ba · listed Jul 16, 2026 · listed by My Realty Group, Llc.
- 2922 Fieldwood Circle · $337,000 · 3 bd / 2.5 ba · listed Jul 16, 2026 · listed by Lifestyle International Realty
- 2962 Harlow Avenue · $339,500 · 3 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Florida Realty Investments
- 2865 Mosshire Circle · $339,999 · 4 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Nona Legacy Powered By La Rosa
Recently sold in Gramercy Farms St Cloud
- 4621 Glencrest Loop · sold $325,000
- 2809 Shelburne Way · sold $349,900
- 4571 Calumet Drive · sold $365,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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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.
- Calumet Drive (50 homes on record)
- Baler Trails Drive (37 homes on record)
- Harlow Avenue (34 homes on record)
- Fieldwood Circle (29 homes on record)
- Shelburne Way (26 homes on record)
- Orchard Grove Road (17 homes on record)
- Glencrest Loop (17 homes on record)
- Mosshire Circle (16 homes on record)
- Sweet Acres Place (15 homes on record)
- Sweet Acres Place (11 homes on record)
- Fieldwood Circle (9 homes on record)
- Mosshire Circle (9 homes on record)
Frequently Asked Questions
What is the median home price in Gramercy Farms?
How long do homes in Gramercy Farms take to sell?
Is Gramercy Farms a buyer's or seller's market right now?
How many homes are in Gramercy Farms?
What share of Gramercy Farms is owner-occupied?
When were the homes in Gramercy Farms built?
Who is the best real estate agent for Gramercy Farms?
How do I find a top St Cloud real estate agent who knows Gramercy Farms?
Can Momentum Realty connect me with an agent for Gramercy Farms?
Where is Gramercy Farms, and what county is it in?
Is Gramercy Farms in a flood zone?
Is Gramercy Farms a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (8 streets, ZIP 34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (192 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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See how gramercy farms fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Gramercy Farms
- Home values · What homes in Gramercy Farms actually sell for
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