Maple Terrace
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Maple Terrace in St Cloud, FL has 1 home for sale. As of September 2026, the MLS records 2 closed sales in Maple Terrace in St Cloud, FL since 2016, the most recent in August 2023. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Maple Terrace is a small, older pocket of St Cloud - six homes total, with only one active listing at last count. That kind of inventory means there is no real 'market' in the statistical sense; each sale is its own event, priced against condition and updates rather than against a run of comparable closings.
With homes dating to the 1960s and early 1970s and a median build year of 1970, most of the value conversation here is about mechanical systems, roof age, and how much has been touched since original construction. A buyer or seller in this pocket should expect the appraisal and inspection process to carry more weight than typical neighborhood comps.
The 60-Second Overview
Maple Terrace is a compact, established section of St Cloud in Osceola County, built out mostly between 1962 and 1973, with a typical home running just over 2,000 square feet of living space.
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 Maple Terrace is best for.
Best for
- A buyer who has already identified this specific listing and wants a straightforward, inspection-driven purchase.
- Someone comfortable evaluating an older-vintage home (1962-1973) on its individual mechanical and structural condition.
- A buyer prioritizing living space - the median home here runs just over 2,000 square feet - over community amenities.
Probably not for
- Anyone expecting organized community amenities, since none are identified from current MLS listings.
- A buyer who wants a deep comp set or recent sales history to benchmark price before making an offer.
- Someone set on newer construction, given every home here was built between 1962 and 1973.
The market around Maple Terrace
Maple Terrace is too small for its own price trend, so here is the market around it.
In ZIP 34771, 708 homes are on the market and 31% are under contract — a fast-moving corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 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 Maple Terrace specifically. Momentum Research analysis of MLS records.
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.
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 (2026-09-24).
MAPLE TERRACE Market Scorecard
MAPLE TERRACE is currently a thin data market. Limited supply, a median asking price of $429,900, and homes go under contract in about 29 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.
Homes For Sale Right Now in Maple Terrace
Live MLS inventory for Maple Terrace. 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 Maple Terrace listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2023. Tap any home to ask about it.
Every Home for Sale in Maple Terrace St Cloud Right Now (1)
All 1 active and pending Maple Terrace St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 2234 W Maple Terrace · $429,900 · 3 bd / 2 ba · listed Aug 12, 2026 · listed by Dalton Wade Inc
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 Maple Terrace 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 Maple Terrace address.
Shop the zone: Homes zoned for Harmony High High School
The Maple Terrace buying strategy.
If we were buying in Maple Terrace 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 Maple Terrace.
A tiny, older-vintage pocket
This is a six-home community with a single active listing as of this snapshot - too small a sample to draw trend lines from. What you can say with confidence is the age profile: every home here was built between 1962 and 1973, with the median falling right at 1970. That puts the whole community in the same general construction era, which matters for roofing, electrical, and plumbing conversations more than it does for style or floor plan.
Homestead exemption is filed on only about one in six of these properties, which is a data point worth noting rather than interpreting - it can reflect a mix of ownership situations across a small set of homes. No community amenities are identified from current MLS listings, so this reads as a standalone residential pocket rather than a planned or amenitized neighborhood. Buyers should treat each home on its own merits and lean on inspection findings rather than assumptions carried over from newer construction elsewhere in St Cloud.
The location and the amenities are priced into every listing in Maple Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin - six homes, one listing - there is no substitute for someone who will actually pull the individual sale history and inspection context rather than lean on canned comps. We treat a pocket like Maple Terrace as a house-by-house evaluation, not a neighborhood trend, and we will tell you plainly when the data is too sparse to support a confident price opinion.
Maple Terrace 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 Maple Terrace 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 Maple Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Maple Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Maple Terrace home worth?
Get a no-obligation home value based on real comparable sales in Maple Terrace, 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 Maple Terrace on the map →
Should you buy in Maple Terrace?
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 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2016 (2 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 Maple Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Maple Terrace
Where is Maple Terrace?
Maple Terrace is a community in ST CLOUD, Osceola County, Florida, ZIP 34771.
Are there homes for sale in Maple Terrace right now?
Yes - 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Maple Terrace have an HOA or CDD?
No HOA is on record for Maple Terrace in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
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