Hammock Pointe
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, Hammock Pointe in St Cloud, FL has 6 homes for sale and 1 pending, asking from $510,000 to $714,900 (median $554,495). Over the 12 months ending 2026-09-20, 4 recorded sales closed at a median of $548,000, $238 per square foot, a median 22 days on market, sellers accepting 96% of original asking (-2% versus the prior year). Homes listed or recently sold were built 1994 - 2005; 12 of 12 report an HOA (median $44/mo); 7 of the 12 geocoded homes sit in a FEMA special flood hazard zone (median elevation 63 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $8,350 ($7,750 with the full homestead exemption).
Last 30 days in Hammock Pointe: 2 new listings (median asking $554,950), 1 under contract right now. As of October 17, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Hammock Pointe
Live MLS inventory for Hammock Pointe. 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 · 103 daysTop listing
Active · 9 days
Active · 344 days
Active · 354 days
Active · 135 days
Active · 17 days
Pending · 133 daysActive and pending Hammock Pointe listings as of 2026-10-17, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. Tap any home to ask about it.
Hammock Pointe right now
🟡 Balanced market. 6.0 months of supply and 25% 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: Medium (4 active and pending listings, 4 closed sales in 12 months).
🟡 Off the recent peak. The trailing-12-month median ($548K) is down 2.4% from the prior 12 months ($562K). With about 4 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: Low (4 and 6 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 18, 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
Hammock Pointe market snapshot (as of September 20, 2026): the median sale price is about $548K ($238 per sq ft over the trailing 12 months of closed sales), a median 23 days on market for closed sales, and 6.0 months of supply, a balanced market. The trailing-12-month median is down 2% from the prior 12 months, computed from record-level Stellar MLS closed sales (4 closings in the current window).
In ZIP 34771 (St Cloud), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
County records show 11 qualified sales in Hammock Pointe across 2024 - 2025 (8 in 2024, 3 in 2025), median $535,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Hammock Pointe: of 11 listing addresses checked against the FEMA National Flood Hazard Layer, 36% sit outside the FEMA Special Flood Hazard Area (Zone X); 64% 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.
Hammock Pointe is a community of 123 homes in St Cloud, Osceola County, built between 1993 and 2006 (median 1999), with a median living area of about 2,741 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 Hammock Pointe. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Hammock PointePhotos from Stellar MLS listings in Hammock Pointe; 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 ($548K) IS the median in the snapshot above, and the move from 2025 ($562K) IS the -2.4% one-year change.
Windows contain 0 to 11 sales each (4 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 2006 through 2026. Deemed reliable but not guaranteed.
31% of homes for sale in ZIP 34771 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 (2026-10-18).
Hammock Pointe Market Scorecard
Hammock Pointe is currently a balanced market. About 6.0 months of supply, a median asking price of $565,000, and homes go under contract in about 135 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Hammock Pointe 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 Hammock Pointe
- Community Mailbox · reported on 2 of 3 listings
- Deed Restrictions · reported on 1 of 3 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
- Narcoossee Elementary · Elementary
- Narcoossee Middle · Middle
- Tohopekaliga High School · High
Zoned schools reflect the assignments reported on recent Hammock Pointe 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 Hammock Pointe address.
Shop the zone: Homes zoned for Harmony High High School · Homes zoned for Tohopekaliga High School
The Hammock Pointe buying strategy.
If we were buying in Hammock Pointe 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 Hammock Pointe.
A closer look at the Hammock Pointe market
At a median of $238 per square foot, Hammock Pointe 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 6.0 months of supply, a balanced market and the trailing-12-month median down 2% year over year. Homes that do trade take a median 23 days on market, useful leverage on any listing that has lingered.
The housing stock is 123 homes built between 1993 and 2006, 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 Hammock Pointe. 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 Hammock Pointe 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 -2.4% year-over-year; Liquidity & Demand 6.0 months of supply; Owner Commitment 85% owner-occupied; Pricing Power 96.4% sale-to-list. Refreshed with each data update.
What it really costs to own in Hammock Pointe
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $42/month across 288 MLS listings (most billed semi-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 11 listing addresses checked against the FEMA flood map, 36% sit outside the high-risk zone and 64% 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 1999 across 10 listings. An original roof here would be about 27 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Hammock Pointe
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 Hammock Pointe
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Hammock Pointe will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $42/month (about $504/yr) · median of 288 MLS listings, most billed twice a year
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $42 per month ($504 a year) - the median AssociationFee across 288 MLS records, normalised to a monthly figure; most are billed twice a year. 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 11 sampled listing addresses in this community: 36% outside the FEMA Special Flood Hazard Area (Zone X/B/C); 64% 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=11) · as of 2026-10
Tools for a Hammock Pointe 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 Hammock Pointe sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Hammock Pointe, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Hammock Pointe home worth?
Get a no-obligation home value based on real comparable sales in Hammock Pointe, 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 Hammock Pointe on the map →
Recently off market in Hammock Pointe
Homes in Hammock Pointe 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. 1 on record.
- 5204 Hammock Pointe Court · off market
| Location | St Cloud, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 123 (FL DOR 2025 assessment roll) |
| Years built | 1993–2006 (median 1999) |
| Typical living area | 2,741 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Community Mailbox, Deed Restrictions, Security System, Irrigation-Reclaimed Water |
| Sale prices, last 12 months | $548,000 median across 4 closed sales · $238 per sq ft · -2.4% vs the prior 12 months |
| Days on market (closed sales) | 22 median |
| For sale right now | 3 active, 1 pending · median asking $565,000 · 6.0 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 2006 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Hammock Pointe key facts,” movewithmomentum.com/neighborhoods/hammock-pointe-st-cloud, data as of September 20, 2026.
Housing distress & ownership in Hammock Pointe, 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 Hammock Pointe
The newest homes for sale in Hammock Pointe right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 5232 Hammock Circle $599,900 · 4 bd · 3 ba · 2,317 sq ft · 9 days on market Courtesy of WEICHERT REALTORS HALLMARK PRO
- 5243 Hammock Pointe Court $510,000 · 3 bd · 2 ba · 2,093 sq ft · 18 days on market Courtesy of PREMIUM PROPERTIES R.E SERVICE
- 5210 Hammock Circle $714,900 · 4 bd · 3.5 ba · 3,811 sq ft · 103 days on market Courtesy of KELLER WILLIAMS REALTY AT THE PARKS
- 2807 Deerfield Street $540,000 · 3 bd · 2.5 ba · 2,436 sq ft · 135 days on market Courtesy of AGENT TRUST REALTY CORPORATION
- 5260 Hammock Circle $559,000 · 4 bd · 2.5 ba · 2,676 sq ft · 344 days on market Courtesy of THE PROPERTY PROS REAL ESTATE
- 2808 Deerfield Street $549,990 · 4 bd · 2 ba · 2,178 sq ft · 365 days on market Courtesy of LA ROSA REALTY LLC
Checked against the MLS Oct 18, 2026. All new listings in this market.
Every Home for Sale in Hammock Pointe St Cloud Right Now (7)
All 7 active and pending Hammock Pointe St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5243 Hammock Pointe Court · $510,000 · 3 bd / 2 ba · listed Sep 25, 2026 · listed by Premium Properties R.E Service
- 5232 Hammock Circle · $599,900 · 4 bd / 3 ba · listed Sep 24, 2026 · listed by Weichert Realtors Hallmark Pro
- 5260 Hammock Circle · $559,000 · 4 bd / 2.5 ba · listed Sep 22, 2026 · listed by The Property Pros Real Estate
- 5210 Hammock Circle · $714,900 · 4 bd / 3.5 ba · listed Jul 16, 2026 · listed by Keller Williams Realty At The Parks
- 2807 Deerfield Street · $540,000 · 3 bd / 2.5 ba · listed Jul 16, 2026 · listed by Agent Trust Realty Corporation
- 2808 Deerfield Street · $549,990 · 4 bd / 2 ba · listed Jul 16, 2026 · listed by La Rosa Realty Llc
- 5222 Hammock Pointe Court · $499,000 · 3 bd / 2 ba · pending · listed Jul 16, 2026 · listed by Re/Max Town & Country Realty
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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.
- Hammock Circle (37 homes on record)
Frequently Asked Questions
What is the median home price in Hammock Pointe?
How long do homes in Hammock Pointe take to sell?
Is Hammock Pointe a buyer's or seller's market right now?
How many homes are in Hammock Pointe?
What share of Hammock Pointe is owner-occupied?
When were the homes in Hammock Pointe built?
Who is the best real estate agent for Hammock Pointe?
How do I find a top St Cloud real estate agent who knows Hammock Pointe?
Can Momentum Realty connect me with an agent for Hammock Pointe?
Where is Hammock Pointe, and what county is it in?
Is Hammock Pointe in a flood zone?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 17, 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 (3 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2006 (59 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?
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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 Hammock Pointe fits the bigger picture — live prices, inventory, and Momentum Scores:
More on Hammock Pointe
- Home values · What homes in Hammock Pointe actually sell for
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