Lake Lizzie Reserve St Cloud
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Lake Lizzie Reserve St Cloud in ST CLOUD, FL has 1 home for sale. Homes listed or recently sold were built 2004 - 2004; 4 of 4 report an HOA (median $159/mo); 1 of the 4 geocoded homes sit in a FEMA special flood hazard zone (median elevation 69 ft).
Lake Lizzie Reserve is a small, gated section of St Cloud, and the numbers reflect that scale directly: with just one active listing and one closing in the most recent window, there is not enough transaction volume here to read a pricing trend with any confidence. What you can read is inventory pressure - at six months of supply, the community sits in balanced territory, meaning neither buyers nor sellers hold a clear structural edge right now.
For a seller, that thin listing count is actually leverage: there is almost no competing inventory to shop against inside the gates. For a buyer, it means patience and a wider search radius may be necessary, since waiting for a second or third option to surface in this specific community could take a while.
Lake Lizzie Reserve St Cloud right now
🟡 Balanced market. 6.0 months of supply and 50% 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 July 15, 2026. Confidence: Low (2 active and pending listings, 1 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 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
Lake Lizzie Reserve is a gated, deed-restricted community in St Cloud built around community-owned recreation rather than a resort-style clubhouse package, which keeps its footprint compact and its resale pool small.
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.
The setting & the homes.
Aerial and on-site photos of Lake Lizzie Reserve St Cloud. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Lake Lizzie Reserve St Cloud
Lake Lizzie Reserve St Cloud
Lake Lizzie Reserve St Cloud
Lake Lizzie Reserve St Cloud
Lake Lizzie Reserve St Cloud
Lake Lizzie Reserve St CloudWho Lake Lizzie Reserve St Cloud is best for.
Best for
- A buyer targeting a gated, deed-restricted community in St Cloud who is flexible on timing.
- Someone who values association-owned recreation and a park setting over a large clubhouse amenity package.
- A seller who wants to list into a community with almost no competing active inventory.
Probably not for
- A buyer who wants to compare several homes within the same gated community before choosing.
- Anyone opposed to HOA vehicle restrictions or deed-restricted community rules.
- A buyer relying on recent local closings to negotiate price with confidence.
The market around Lake Lizzie Reserve St Cloud
Lake Lizzie Reserve St Cloud is a small community — 47 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
Homes here are single family residence.
ZIP and county figures describe the wider market, not Lake Lizzie Reserve St Cloud specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Lake Lizzie Reserve St Cloud, 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 August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Lake Lizzie Reserve St Cloud
Live MLS inventory for Lake Lizzie Reserve St Cloud. 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 Lake Lizzie Reserve St Cloud listings as of 2026-09-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Lake Lizzie Reserve St Cloud 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 Lake Lizzie Reserve St Cloud
- Gated Community · reported on 3 of 4 listings
- Basketball Court · reported on 3 of 4 listings
- Gated · reported on 3 of 4 listings
- Community Mailbox · reported on 3 of 4 listings
- Deed Restrictions · reported on 3 of 4 listings
- Gated Community - No Guard · reported on 3 of 4 listings
- Vehicle Restrictions · reported on 2 of 4 listings
- Association Recreation - Owned · reported on 2 of 4 listings
- Park · reported on 1 of 4 listings
- Security Lights · reported on 1 of 4 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 Lake Lizzie Reserve St Cloud 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 Lake Lizzie Reserve St Cloud address.
The Lake Lizzie Reserve St Cloud buying strategy.
If we were buying in Lake Lizzie Reserve St Cloud 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 Lake Lizzie Reserve St Cloud.
A gated pocket with a thin resale market
The amenity set here - a gated entry without a guard gate, a basketball court, community mailboxes, security lighting, a park, and association-owned recreation space - points to a community designed for low-maintenance, deed-restricted living rather than heavy shared-amenity overhead. Vehicle restrictions and deed restrictions suggest an HOA that actively manages the look and use of the neighborhood, which is worth reviewing in detail before writing an offer.
With only one home on the market and one closing in the last window, this is not a community where you can pull a reliable comp set from recent activity. Anyone pricing a listing or evaluating an offer here should treat the six-month supply figure as the more stable signal - a balanced market, not a shortage and not a glut - and lean on broader St Cloud and Osceola County data to fill in the gaps a single-digit listing count cannot.
The location and the amenities are priced into every listing in Lake Lizzie Reserve St Cloud. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin on active inventory, the value we add is context: knowing what the last closing actually looked like, what the HOA's deed restrictions and vehicle rules mean day-to-day, and how Lake Lizzie Reserve prices relative to comparable gated sections nearby - not just what one listing happens to say today.
Lake Lizzie Reserve St Cloud 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 Lake Lizzie Reserve St Cloud 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 Lake Lizzie Reserve St Cloud sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lake Lizzie Reserve St Cloud, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lake Lizzie Reserve St Cloud home worth?
Get a no-obligation home value based on real comparable sales in Lake Lizzie Reserve St Cloud, 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 Lake Lizzie Reserve St Cloud 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.
LAKE LIZZIE RESERVE Market Scorecard
LAKE LIZZIE RESERVE is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $562,450, and homes go under contract in about 51 days.
Typical home value in the 34771 ZIP is $436,543, about 13.8% 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.
Frequently Asked Questions
Is Lake Lizzie Reserve St Cloud a buyer's or seller's market right now?
Do cash buyers compete in Lake Lizzie Reserve St Cloud?
Who is the best real estate agent for Lake Lizzie Reserve St Cloud?
How do I find a top ST CLOUD real estate agent who knows Lake Lizzie Reserve St Cloud?
Can Momentum Realty connect me with an agent for Lake Lizzie Reserve St Cloud?
Should you buy in Lake Lizzie Reserve St Cloud?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Lake Lizzie Reserve St Cloud with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2011 (18 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 your area comps.
Looking to buy here? Search homes for sale →
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More St. Cloud & Kissimmee, St. Cloud & Osceola County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.
See how Lake Lizzie Reserve St Cloud fits the bigger picture — live prices, inventory, and Momentum Scores: