Pine Lake Villas
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Pine Lake Villas in St Cloud, FL has 1 home for sale. As of September 2026, the MLS records 11 closed sales in Pine Lake Villas in St Cloud, FL since 2014, the most recent in September 2026. 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).
Pine Lake Villas is a small St Cloud community with almost no current MLS footprint - as of this snapshot there are zero active listings and only a single closing in the window, so there simply isn't enough transaction volume here to draw a pricing trend from. What we can say is structural: the homes were built in 1984, and the one recorded unit runs around 1,421 square feet of living space, consistent with an attached-villa or patio-home layout rather than a larger detached floor plan.
The 0% homestead share is worth noting for anyone doing diligence here - it suggests the properties in this community's MLS record are not currently owner-occupied as a primary residence, which can point toward rental or investment use. For a buyer or seller, that combination - very low inventory plus non-homesteaded ownership - means pricing here should be evaluated unit-by-unit against condition and comparable sales elsewhere in St Cloud, not against a community-wide median.
Pine Lake Villas right now
🟡 Balanced market. 6.0 months of supply and 0% 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 September 12, 2026. Confidence: Low (1 active and pending listings, 1 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
Pine Lake Villas is a compact, 1984-built villa community in St Cloud with community pool and clubhouse access; MLS activity is currently minimal, so this is a community to evaluate on a per-unit basis rather than by broad market trend.
Stellar MLS sales records identify 24 homes in Pine Lake Villas that have changed hands since 2004, built between 1984 and 1986 (median 1984), with a median living area of about 1,084 sq ft and a typical 2-bedroom, 2-bath layout; 88% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 5 qualified sales in Pine Lake Villas across 2024 - 2025 (2 in 2024, 3 in 2025), median $229,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Pine Lake Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Pine Lake Villas; content deemed reliable but not guaranteed.
Who Pine Lake Villas is best for.
Best for
- A buyer looking for a smaller-footprint, 1984-built villa with shared pool and clubhouse access in St Cloud.
- An investor comfortable with a low-homestead, potentially rental-oriented community and willing to verify occupancy and HOA terms directly.
- A patient buyer who can wait for a unit to list rather than needing immediate inventory to choose from.
Probably not for
- Anyone needing a larger detached home well beyond the 1,421 sqft range on file here.
- A buyer who wants to compare multiple active listings before deciding.
- Someone on a tight closing timeline who cannot wait for a unit to come to market.
The market around Pine Lake Villas
Pine Lake Villas is too small for its own price trend, so here is the market around it.
In ZIP 34769, 189 homes are on the market and 21% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34769 (ST CLOUD), 630 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 0.7% year over year, with a median 58 days on market. Right now 141 active and 49 pending listings put supply at about 3.9 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Pine Lake Villas specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Pine Lake Villas, 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 Pine Lake Villas
Live MLS inventory for Pine Lake Villas. 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 Pine Lake Villas listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Pine Lake Villas 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 Pine Lake Villas
- Pool · reported on 2 of 2 listings
- Clubhouse · reported on 1 of 2 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.
The Pine Lake Villas buying strategy.
If we were buying in Pine Lake Villas 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 Pine Lake Villas.
A Small, Quiet Villa Community
There isn't much MLS data to work with in Pine Lake Villas at this snapshot - no active listings and a single closing in the recent window. That's a function of the community's small size and low turnover, not necessarily a signal about demand. Anyone shopping here should expect to wait for the right unit to surface rather than choosing from a live inventory list.
What is known: homes date to 1984, sized around 1,421 square feet in the recorded unit, and residents have access to a shared pool and clubhouse per the community's MLS-reported amenities. Given the 0% homestead share on file, buyers should verify with the HOA and county records whether a given unit is owner-occupied, rented, or held as an investment property before making assumptions about condition or occupancy.
The location and the amenities are priced into every listing in Pine Lake Villas. 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 listings, having someone track off-market activity, HOA documentation, and recent closings in real time matters more than a search portal. We monitor Pine Lake Villas alongside comparable St Cloud communities so that when a unit does list, you're not starting diligence from zero.
Pine Lake Villas in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $315/month (about $3,780/yr) · median of 35 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $315 per month ($3,780 a year) - the median AssociationFee across 35 MLS records, normalised to a monthly figure; most are billed monthly. 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 Pine Lake Villas 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 Pine Lake Villas sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Pine Lake Villas, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Pine Lake Villas home worth?
Get a no-obligation home value based on real comparable sales in Pine Lake Villas, 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 Villas on the map →
Recently off market in Pine Lake Villas
Homes in Pine Lake Villas 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.
- 3613 Bay Court · off market
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.
21% 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 (2026-09-25).
PINE LAKE VILLAS Market Scorecard
PINE LAKE VILLAS is currently a buyer's market. About 6.0 months of supply, a median asking price of $260,000, and homes go under contract in about 21 days.
Typical home value in the 34769 ZIP is $318,664, about 8.6% above 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 Pine Lake Villas a buyer's or seller's market right now?
Who is the best real estate agent for Pine Lake Villas?
How do I find a top St Cloud real estate agent who knows Pine Lake Villas?
Can Momentum Realty connect me with an agent for Pine Lake Villas?
Where is Pine Lake Villas, and what county is it in?
Should you buy in Pine Lake Villas?
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 2014 (11 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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See how Pine Lake Villas fits the bigger picture — live prices, inventory, and Momentum Scores:
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