Lake Lizzie Reserve
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Lake Lizzie Reserve in St Cloud, FL has 2 homes 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).
| Location | ST CLOUD, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 53 (FL DOR 2025 assessment roll) |
| Years built | 2003–2023 (median 2004) |
| Typical living area | 3,235 sq ft (median) |
| Amenities listed by sellers | Association Recreation - Owned, Basketball Court, Community Mailbox, Deed Restrictions, Gated, Gated Community |
| For sale right now | 2 active, 0 pending · median asking $554,949 · 12.0 months of supply |
| Owner-occupied (homestead) share | 83% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2011 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Lake Lizzie Reserve key facts,” movewithmomentum.com/neighborhoods/lake-lizzie-reserve-st-cloud, data as of September 20, 2026.
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 right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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: Low (2 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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.
Stellar MLS sales records identify 33 homes in Lake Lizzie Reserve that have changed hands since 2009, built between 2003 and 2005 (median 2004), with a median living area of about 2,846 sq ft and a typical 4-bedroom, 2.5-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.
The setting & the homes.
Aerial and on-site photos of Lake Lizzie Reserve. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Lake Lizzie Reserve; content deemed reliable but not guaranteed.
Who Lake Lizzie Reserve 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
Lake Lizzie Reserve is too small for its own price trend, so here is the market around it.
In ZIP 34771, 692 homes are on the market and 32% are under contract — a fast-moving corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
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.
ZIP and county figures describe the wider market, not Lake Lizzie Reserve specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Lake Lizzie Reserve, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Lake Lizzie Reserve
Live MLS inventory for Lake Lizzie Reserve. 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 listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2011 through 2026. Tap any home to ask about it.
Every Home for Sale in Lake Lizzie Reserve St Cloud Right Now (2)
All 2 active and pending Lake Lizzie Reserve St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6113 Waterfield Way · $629,998 · 5 bd / 2.5 ba · listed Aug 17, 2026 · listed by Zeff Realty Llc,
- 6120 Waterfield Way · $479,900 · 4 bd / 2 ba · listed Jul 7, 2026 · listed by Karla Robinson Realty, Inc.
Lake Lizzie Reserve 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, tiles © CARTO.
Life at Lake Lizzie Reserve
- 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 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 address.
Shop the zone: Homes zoned for Harmony High High School
The Lake Lizzie Reserve buying strategy.
If we were buying in Lake Lizzie Reserve 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
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. 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 in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $159/month (about $1,908/yr) · median of 60 MLS listings, most billed quarterly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $159 per month ($1,908 a year) - the median AssociationFee across 60 MLS records, normalised to a monthly figure; most are billed quarterly. 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, 2026-09.
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 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Lake Lizzie Reserve, 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 on the map →
Recently off market in Lake Lizzie Reserve
Homes in Lake Lizzie Reserve 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.
- 6107 Waterfield Way · off market
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 (2026-09-25).
Frequently Asked Questions
Is Lake Lizzie Reserve a buyer's or seller's market right now?
How many homes are in Lake Lizzie Reserve?
What share of Lake Lizzie Reserve is owner-occupied?
When were the homes in Lake Lizzie Reserve built?
Who is the best real estate agent for Lake Lizzie Reserve?
How do I find a top St Cloud real estate agent who knows Lake Lizzie Reserve?
Can Momentum Realty connect me with an agent for Lake Lizzie Reserve?
Where is Lake Lizzie Reserve, and what county is it in?
Should you buy in Lake Lizzie Reserve?
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 26, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2011 (19 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 Lake Lizzie Reserve fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Lake Lizzie Reserve with Momentum Realty’s local guides.