Prairie Oaks
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Prairie Oaks in St Cloud, FL has 12 homes for sale, asking from $355,000 to $595,000 (median $442,450). Homes listed or recently sold were built 2023 - 2025 with 3 new construction; 18 of 18 report an HOA (median $160/mo); 2 of the 18 geocoded homes sit in a FEMA special flood hazard zone (median elevation 72 ft).
Homes For Sale Right Now in Prairie Oaks
Live MLS inventory for Prairie Oaks. 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 · 46 daysTop listing
Active · 32 days
Active · 164 days
Active · 47 days
Active · 32 days
Active · 73 days
Active · 251 days
Active · 186 days
Active · 327 days
Active · 296 days
Active · 34 daysActive and pending Prairie Oaks listings as of 2026-11-04, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. Tap any home to ask about it.
Prairie Oaks is a new-build pocket in St Cloud, with homes dated between 2022 and 2024 and a median build year of 2023. Price here is driven less by location gymnastics than by product: a median living area around 2,242 square feet, a median of $470,000, and roughly $209 per square foot. Because the inventory is so young and so similar, condition, lot, and builder finish level do most of the work separating one listing from the next.
The posture is firmly buyer-leaning. At 22 months of supply against just 11 active listings and a very thin five-closing window, this market moves slowly - median days on market sits at 192, far longer than a balanced market would tolerate. Year-over-year price change is essentially flat at 1.1%. For sellers, that means pricing to the median and being patient; for buyers, it means time, leverage, and room to negotiate rather than a bidding war.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Prairie Oaks right now
🟢 Buyer-leaning market. 22.0 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: High (11 active and pending listings, 5 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($470K) is up 1.1% from the prior 12 months ($465K).Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Low (5 and 61 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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
Prairie Oaks market snapshot (as of September 20, 2026): the median sale price is about $470K ($209 per sq ft over the trailing 12 months of closed sales), a median 192 days on market for closed sales, and 22.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 1% from the prior 12 months, computed from record-level Stellar MLS closed sales (5 closings in the current window).
In ZIP 34771 (St Cloud), 1,023 homes closed in the last 12 months at a median of $445K ($201/sq ft), down 1.9% year over year, with a median 48 days on market. Right now 104 active and 99 pending listings put supply at about 1.2 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
County records show 71 qualified sales in Prairie Oaks across 2024 - 2024, median $465,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Prairie Oaks: of 14 listing addresses checked against the FEMA National Flood Hazard Layer, 86% sit outside the FEMA Special Flood Hazard Area (Zone X); 14% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
Prairie Oaks is a community of 207 homes in St Cloud, Osceola County, built between 2022 and 2024 (median 2023), with a median living area of about 2,242 square feet. 52% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Prairie Oaks is a compact, almost entirely new community of 207 homes in St Cloud, amenity-rich for its size and still filling in as recent construction clears the market.
The setting & the homes.
Aerial and on-site photos of Prairie Oaks. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Prairie OaksPrairie OaksPrairie OaksPrairie OaksPrairie OaksPrairie OaksPrairie OaksPrairie OaksPhotos from Stellar MLS listings in Prairie Oaks; content deemed reliable but not guaranteed.
Who Prairie Oaks is best for.
Best for
- Buying to hold, where a slow market and flat 1.1% year-over-year movement are tolerable on a long horizon
- Buyers who want recent construction (2022-2024) with minimal near-term maintenance
- Buyers who value a full amenity set - pool, clubhouse, dog park, trails - and accept an HOA with deed restrictions
Probably not for
- Needing to resell quickly, given 22 months of supply and a 192-day median on market
- Wanting full exterior autonomy or a private curbside mailbox, which deed restrictions and a community mailbox rule out
- Chasing near-term appreciation, which flat year-over-year pricing does not support
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($470K) IS the median in the snapshot above, and the move from 2025 ($465K) IS the +1.1% one-year change.
Windows contain 5 to 120 sales each (5 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. Deemed reliable but not guaranteed.
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.
0% of homes for sale in Prairie Oaks 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 (2026-11-14).
Prairie Oaks Market Scorecard
Prairie Oaks is currently a strong buyer's market. About 24.0 months of supply, a median asking price of $442,450, and homes go under contract in about 70 days.
Typical home value in the 34771 ZIP is $432,082, about 6.7% 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.
Prairie Oaks 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 contributors.
Life at Prairie Oaks
- Pool · reported on 9 of 15 listings
- Deed Restrictions · reported on 8 of 15 listings
- Community Mailbox · reported on 7 of 15 listings
- Dog Park · reported on 6 of 15 listings
- Playground · reported on 4 of 15 listings
- Clubhouse · reported on 2 of 15 listings
- Trail(s) · reported on 2 of 15 listings
- Irrigation-Reclaimed Water · reported on 2 of 15 listings
- Maintenance · reported on 1 of 15 listings
- Park · reported on 1 of 15 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
- VOYAGER K-8 · Elementary
- Narcoossee Middle · Middle
- Tohopekaliga High School · High
Zoned schools reflect the assignments reported on recent Prairie Oaks 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 Prairie Oaks address.
Shop the zone: Homes zoned for Tohopekaliga High School
Recent Developments in Prairie Oaks
Development, infrastructure, retail, and school activity affecting Prairie Oaks, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Parks & Amenities
145,000 sq ft All Sports Dome planned on Gus Road in Kissimmee
All Sports Dome Southeast plans a climate-controlled indoor inflatable dome at 3070 Gus Road with multi-sport courts, turf fields and training areas. It would be the brand's first Greater Orlando location, with an opening expected in 2027 and no exact date given.
What it may mean for the marketAn indoor sports venue would add year-round recreation and event space on Kissimmee's Gus Road area. The project is about 14 miles west of Prairie Oaks, elsewhere in Osceola County.
Source: What Now Orlando - October 2026Infrastructure
Turnpike widening in Osceola County runs ahead of schedule at Fortune Road Bridge
Steel beams for the new westbound Fortune Road Bridge are in place a month early as Florida's Turnpike is widened from two to four lanes each way between Partin Settlement Road and Osceola Parkway. Westbound bridge traffic is expected at the start of 2027, and the broader project targets 2031. The bridge adds bike lanes and sidewalks.
What it may mean for the marketDoubling Turnpike capacity through this stretch should ease regional commutes between Kissimmee and the Orlando area once complete. The project is about 10 miles west of Prairie Oaks, elsewhere in Osceola County.
Source: WFTV - October 2026Development
Experience Kissimmee launches Film Kissimmee commission to recruit productions
The new film commission markets Osceola County to production companies through an online database of more than 100 filming locations and has hired a location manager. Leaders say productions could become a new economic driver, citing spending on hotels, vehicles, food and crew services.
What it may mean for the marketFilm work could add temporary jobs and visitor spending for hospitality and service businesses across Osceola County. The site is about 11 miles west of Prairie Oaks.
Source: WFTV - 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 site is about 7 miles north of Prairie Oaks.
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 4 miles southwest of Prairie Oaks.
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 7 miles northwest of Prairie Oaks.
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 Prairie Oaks buying strategy.
If we were buying in Prairie Oaks 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 Prairie Oaks.
A new-build community working through a slow market
The amenity list is unusually full for a community this size: a pool, clubhouse, dog park, playground, park, and trails, plus reclaimed-water irrigation and HOA-covered maintenance. Deed restrictions and a community mailbox come with that structure, so buyers who want full autonomy over their exterior or a private mailbox at the door should factor the HOA in. Verify current amenities and access directly with the HOA before you count on any of it.
Roughly 52% of homes here carry a homestead exemption, which tracks with a community still absorbing new construction and resale turnover. The combination of 22 months of supply and a 192-day median on market tells you the pace is deliberate. That is an opportunity for an unhurried buyer and a reality check for a seller who needs a fast close.
The location and the amenities are priced into every listing in Prairie Oaks. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Prairie Oaks buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (3.4). Basis: Recent Direction +1.1% year-over-year; Liquidity & Demand 22.0 months of supply; Owner Commitment 52% owner-occupied; Pricing Power 87.9% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a slow, new-build market, the spread between a well-priced home and an overpriced one is the difference between a close and a listing that ages past 192 days. We price to the real median, read condition and finish differences that the raw stats hide, and negotiate the time and leverage this buyer-leaning market actually gives you - on either side of the table.
Prairie Oaks in 15 seconds.
Tools for a Prairie Oaks 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 Prairie Oaks sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Prairie Oaks, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Prairie Oaks home worth?
Get a no-obligation home value based on real comparable sales in Prairie Oaks, 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 Prairie Oaks on the map →
Recently off market in Prairie Oaks
Homes in Prairie Oaks 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. 3 on record.
- 5805 Arboretum Street · off market
- 5808 Arboretum Street · off market
- 5820 Arboretum Street · off market
Last 30 days in Prairie Oaks: 1 new listing (median asking $449,900). As of November 13, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
| Location | St Cloud, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 229 (FL DOR 2025 assessment roll) |
| Years built | 2022–2024 (median 2023) |
| Typical living area | 2,243 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Pool, Deed Restrictions, Community Mailbox, Dog Park, Playground, Security System |
| For sale right now | 12 active, 0 pending · median asking $442,450 · 24.0 months of supply |
| Owner-occupied (homestead) share | 49% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2024; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Prairie Oaks key facts,” movewithmomentum.com/neighborhoods/prairie-oaks-st-cloud, data as of November 13, 2026.
Housing distress & ownership in Prairie Oaks, 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 November 2026 through November 2026. Deemed reliable but not guaranteed.
Just listed in Prairie Oaks
The newest homes for sale in Prairie Oaks right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 5785 Wallis Lane $449,900 · 4 bd · 2 ba · 2,006 sq ft · listed Nov 7, 2026 Courtesy of RE/MAX 200 REALTY
- 1172 Silverbell Trail $440,000 · 4 bd · 2.5 ba · 2,308 sq ft · listed Oct 4, 2026 Courtesy of CENTURY 21 EDGE
- 1352 Silo Drive $594,900 · 5 bd · 3.5 ba · 3,220 sq ft · listed Oct 3, 2026 Courtesy of BHHS FLORIDA REALTY
- 5792 Arboretum Street $355,000 · 4 bd · 2 ba · 1,828 sq ft · listed Oct 1, 2026 Courtesy of MY REALTY GROUP, LLC.
- 1270 Fox Hedge Lane $595,000 · 5 bd · 4 ba · 3,082 sq ft · listed Sep 19, 2026 Courtesy of RE/MAX VANTAGE
- 1274 Silo Drive $464,900 · 4 bd · 4 ba · 2,683 sq ft · listed Sep 18, 2026 Courtesy of FLORIDA REALTY RESULTS LLC
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Prairie Oaks Right Now (12)
All 12 active and pending Prairie Oaks listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5785 Wallis Lane · $449,900 · 4 bd / 2 ba · listed Nov 5, 2026 · listed by Re/Max 200 Realty
- 1172 Silverbell Trail · $440,000 · 4 bd / 2.5 ba · listed Oct 2, 2026 · listed by Century 21 Edge
- 1352 Silo Drive · $594,900 · 5 bd / 3.5 ba · listed Oct 2, 2026 · listed by Bhhs Florida Realty
- 5792 Arboretum Street · $355,000 · 4 bd / 2 ba · listed Sep 30, 2026 · listed by My Realty Group, Llc.
- 1270 Fox Hedge Lane · $595,000 · 5 bd / 4 ba · listed Sep 18, 2026 · listed by Re/Max Vantage
- 1274 Silo Drive · $464,900 · 4 bd / 4 ba · listed Sep 16, 2026 · listed by Florida Realty Results Llc
- 5724 Camilla Street · $440,000 · 4 bd / 2 ba · listed Aug 28, 2026 · listed by Exp Realty Llc
- 1021 Silverbell Trail · $444,900 · 4 bd / 2.5 ba · listed Aug 22, 2026 · listed by The Valenzuela Real Estate Gro
- 1304 Silo Drive · $495,000 · 4 bd / 3 ba · listed Aug 15, 2026 · listed by Exp Realty Llc
- 1225 Fox Hedge Lane · $409,000 · 4 bd / 2 ba · listed Aug 15, 2026 · listed by Novak Realty Corp
- 1177 Fox Hedge Lane · $359,000 · 4 bd / 2 ba · listed Aug 15, 2026 · listed by Odry Vargas Realty Group
- 5745 Wallis Lane · $397,990 · 4 bd / 2 ba · listed Aug 15, 2026 · listed by Hartney Realty & Development
More St Cloud home searches
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St Cloud guides & data
- Market data
- Cost of living
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- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
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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
- Florida documentary stamp tax, explained
- Cheapest places to live 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.
- Silo Drive (34 homes on record)
- Wallis Lane (30 homes on record)
- Camilla Street (28 homes on record)
- Fox Hedge Lane (28 homes on record)
- Silverbell Trail (26 homes on record)
- Springer Street (15 homes on record)
- Camilla Street (1 homes on record)
- Fox Hedge Lane (1 homes on record)
What it really costs to own in Prairie Oaks
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 | Median $160/month across 18 MLS listings (most billed monthly; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| 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. Flood: of 14 listing addresses checked against the FEMA flood map, 86% sit outside the high-risk zone and 14% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2023 across 18 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Prairie Oaks
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 Prairie Oaks
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Prairie Oaks will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Prairie Oaks?
How long do homes in Prairie Oaks take to sell?
Is Prairie Oaks a buyer's or seller's market right now?
How many homes are in Prairie Oaks?
What share of Prairie Oaks is owner-occupied?
When were the homes in Prairie Oaks built?
Who is the best real estate agent for Prairie Oaks?
How do I find a top St Cloud real estate agent who knows Prairie Oaks?
Can Momentum Realty connect me with an agent for Prairie Oaks?
Where is Prairie Oaks, and what county is it in?
Is Prairie Oaks in a flood zone?
Should you buy in Prairie Oaks?
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: November 4, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2023 (218 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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