Natchez Trace
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Natchez Trace in St Cloud, FL has 1 home for sale. Natchez Trace is a community in St Cloud, Osceola County, FL. Across St Cloud as a whole, 2,425 homes closed in the last 12 months at a median of $410,000, 48 median days on market, with 1,067 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,250 ($5,640 with the full homestead exemption).
Natchez Trace right now
🟢 Buyer-leaning market. 12.0 months of supply and 50% 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, 1 closed sales in 12 months).
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· Updated November 7, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The market around Natchez Trace
Natchez Trace is too small for its own price trend, so here is the market around it.
In ZIP 34769, 181 homes are on the market and 22% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
ZIP and county figures describe the wider market, not Natchez Trace specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Natchez Trace
Live MLS inventory for Natchez Trace. 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 Natchez Trace listings as of 2026-11-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2025. Tap any home to ask about it.
Life at Natchez Trace
- Community Mailbox · reported on 1 of 1 listings
- Deed Restrictions · reported on 1 of 1 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.
Recent Developments in Natchez Trace
Development, infrastructure, retail, and school activity affecting Natchez Trace, 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 northeast of Natchez Trace, 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 2 miles east of Natchez Trace.
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 10 miles north of Natchez Trace.
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 Natchez Trace buying strategy.
If we were buying in Natchez Trace 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 Natchez Trace.
A closer look at the Natchez Trace market
Inventory runs at 12.0 months of supply, a buyer-leaning market.
The housing stock is 48 homes built between 1988 and 2018, and 79% 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 Natchez Trace. The deal is won or lost on condition, the comps, and the renovation math.
Tools for a Natchez Trace 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 Natchez Trace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Natchez Trace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Natchez Trace home worth?
Get a no-obligation home value based on real comparable sales in Natchez Trace, 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 Natchez Trace on the map →
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Homes in the community | 48 (FL DOR 2025 assessment roll) |
| Years built | 1988–2018 (median 1993.0) |
| Typical living area | 1,565 sq ft (median) |
| For sale right now | 1 active, 1 pending · median asking $311,000 · 12.0 months of supply |
| Owner-occupied (homestead) share | 79% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2007 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Natchez Trace key facts,” movewithmomentum.com/neighborhoods/natchez-trace-st-cloud, data as of September 20, 2026.
Housing distress & ownership in Natchez Trace, 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.
Every Home for Sale in Natchez Trace Right Now (2)
All 2 active and pending Natchez Trace listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3917 Natchez Trace Drive · $250,000 · 4 bd / 2 ba · pending · listed Aug 26, 2026 · listed by Exp Realty Llc
- 4100 Natchez Trace Drive · $311,000 · 3 bd / 2 ba · listed Aug 8, 2026 · listed by Armand & Associates Realty Inc
More St Cloud home searches
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- St Cloud home values: what is my house worth?
St Cloud guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- New construction
- New construction (Osceola County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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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.
- Natchez Trace Drive (33 homes on record)
- Kissimmee Park Road (1 homes on record)
What it really costs to own in Natchez Trace
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 | MLS listings here mostly enter dues as billed annually, but the median entry is only $223/year across 3 listings (2026-11-07), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
|---|---|
| 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. |
Email me new listings in Natchez Trace
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 Natchez Trace
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Natchez Trace will answer, and the answer is published on this page for the next buyer.
19% of homes for sale in ZIP 34769 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 (2026-11-05).
Frequently Asked Questions
Is Natchez Trace a buyer's or seller's market right now?
How many homes are in Natchez Trace?
What share of Natchez Trace is owner-occupied?
When were the homes in Natchez Trace built?
Who is the best real estate agent for Natchez Trace?
How do I find a top St Cloud real estate agent who knows Natchez Trace?
Can Momentum Realty connect me with an agent for Natchez Trace?
Where is Natchez Trace, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 2, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (1 streets, ZIP 34769)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2007 (22 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.
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See how Natchez Trace fits the bigger picture — live prices, inventory, and Momentum Scores:
