Pine Lake Estates Unit 3
Homes for Sale in St Cloud, FL

Community in St Cloud · Osceola County
70 homesBuilt 1978–1984
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True comps, carrying-cost math, and listings before the portals.

Built fromLive Stellar MLS data19 years of closingsFL DOR public recordsUpdated twice daily
Live · Pine Lake Estates Unit 3 Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · Top 1% in Florida (RealTrends)
Tempo
1
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
81%
Owner-occupied · Pine Lake Estates Unit 3
57 of 70 parcels homesteaded (FL DOR 2025)
19%
Non-owner-occupied · Pine Lake Estates Unit 3
incl. 4% trust or LLC-held · 3% out-of-state
0%
Cash buyers · Pine Lake Estates Unit 3
0 of 3 sales, 12 mo ending June 2025
70
Homes in the community
70 residential parcels (FL DOR 2025)
Track record · 19 years of records
Est. 1978
Community established
homes built 1978-1984, median 1980 (FL DOR 2025)
0
Failed listings · 2022
peaked at 3 in 2008
1.4%/yr
Turnover rate
about 1 of 70 homes trade a year

The market around Pine Lake Estates Unit 3

Pine Lake Estates Unit 3 is a small community — 9 recorded sales on file, most recently in 2022 — 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 Pine Lake Estates Unit 3 specifically. Momentum Research analysis of MLS records.

If we were buying in Pine Lake Estates Unit 3 today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 Pine Lake Estates Unit 3.

A closer look at the Pine Lake Estates Unit 3 market

The housing stock is 70 homes built between 1978 and 1984, and 81% 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 Pine Lake Estates Unit 3. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

HOA, CDD & Fees

In short
  • Mandatory HOA — confirm current dues
  • 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.

The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Pine Lake Estates Unit 3 sales matched to your home.

What is your Pine Lake Estates Unit 3 home worth?

Get a no-obligation home value based on real comparable sales in Pine Lake Estates Unit 3, 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 Pine Lake Estates Unit 3 on the map →

Real comps, not an automated estimate.

Frequently Asked Questions

How many homes are in Pine Lake Estates Unit 3?
The Florida DOR 2025 assessment roll shows 70 homes in Pine Lake Estates Unit 3 (public records).
What share of Pine Lake Estates Unit 3 is owner-occupied?
81% of Pine Lake Estates Unit 3 parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Pine Lake Estates Unit 3 built?
Homes in Pine Lake Estates Unit 3 were built between 1978 and 1984, with a median year built of 1979.5 (FL DOR 2025 roll).
Do cash buyers compete in Pine Lake Estates Unit 3?
Cash buyers took 0% of Pine Lake Estates Unit 3 sales in the 12 months ending June 2025 (0 of 3 closings, Stellar MLS).
Who is the best real estate agent for Pine Lake Estates Unit 3?
The best agent for Pine Lake Estates Unit 3 is one who actively works St Cloud and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Pine Lake Estates Unit 3.
How do I find a top St Cloud real estate agent who knows Pine Lake Estates Unit 3?
Share a few details in the form on this page. Momentum Realty has 280+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Pine Lake Estates Unit 3 and the wider St Cloud area.
Can Momentum Realty connect me with an agent for Pine Lake Estates Unit 3?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Pine Lake Estates Unit 3 purchase or sale - no call center and no pressure.

Data sources & freshness

Housing stock & ownershipFlorida DOR 2025 assessment roll (street-list match (4 streets, ZIP 34769))
Under-contract sharesStellar MLS records, as of 2026-07-12
Historical depthClosed-sale records back to 2007 (9 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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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.

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