Preserve/Turtle Creek
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 21 closed sales in Preserve/Turtle Crk Ph 5 in St Cloud, FL since 2018, the most recent in March 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).
| Location | St Cloud, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 412 (FL DOR 2025 assessment roll) |
| Years built | 2007–2019 (median 2017.0) |
| Typical living area | 2,454 sq ft (median) |
| Owner-occupied (homestead) share | 78% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2018 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Preserve/Turtle Crk Ph 5 key facts,” movewithmomentum.com/neighborhoods/preserve-turtle-crk-ph-5, data as of September 20, 2026.
Turtle Creek Phase 5 is a built-out section of St Cloud with homes dating from 2007 to 2019 and a median build year of 2017, so most of the housing stock here is a decade or so old rather than new construction. Living space runs to a median around 2,450 square feet, which points to larger single-family floor plans rather than compact or entry-level product.
Closing activity in the most recent window was minimal, which means current pricing signals should be read as directional rather than a firm market read. The homestead share sitting near 78% tells us most owners have filed for a homestead exemption, a marker of owner-occupancy rather than a heavy investor or rental presence, which tends to support steadier turnover and better home upkeep over time.
Nearby homes for sale
No active listings inside Preserve/Turtle Crk Ph 5 right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Preserve/Turtle Crk Ph 5 is a mid-2010s-era enclave within the larger Turtle Creek development in St Cloud, built out with 412 homes on mid-size single-family lots. The 2007-2019 build window means most of the housing stock has had at least a few years to season past initial construction.
Stellar MLS sales records identify 95 homes in Preserve/Turtle Creek that have changed hands since 2017, built between 2016 and 2019 (median 2018), with a median living area of about 2,253 sq ft and a typical 4-bedroom, 2.5-bath layout; 94% are single-family homes. 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 33 qualified sales in Preserve/Turtle Creek across 2024–2025 (21 in 2024, 12 in 2025), median $435,000 — 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.
Who Preserve/Turtle Creek is best for.
Best for
- Buyers seeking a larger single-family floor plan (median near 2,450 sq ft) without paying new-construction pricing
- Buyers comfortable with a home built sometime between 2007 and 2019 rather than brand-new
- Buyers who prioritize a community with a strong owner-occupancy pattern over one with a long list of on-site amenities
Probably not for
- Buyers specifically shopping for a community pool, clubhouse, or organized recreational amenities
- Buyers who need a large volume of recent closed comps to feel confident about current pricing
- Buyers focused exclusively on new-construction homes with builder warranties
The market around Preserve/Turtle Creek
Preserve/Turtle Creek is too small for its own price trend, so here is the market around it.
In ZIP 34771, 692 homes are on the market and 32% are under contract — a fast-moving corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 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 Preserve/Turtle Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Preserve/Turtle Crk Ph 5, 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.
The Preserve/Turtle Creek buying strategy.
If we were buying in Preserve/Turtle Creek 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 Preserve/Turtle Creek.
What the numbers actually say
With a median build year of 2017 and homes dating back to 2007, buyers here are looking at a community that isn't new construction but also isn't dated stock in need of major systems work. Living areas averaging in the 2,450 square foot range suggest this section skews toward larger family-size layouts rather than the smaller starter homes found in some adjacent phases.
The homestead share near 78% is a useful signal on its own: it points to a community where most residents are owner-occupants who've claimed the property as a primary residence, rather than a section dominated by investor-owned or short-term rental inventory. That tends to correlate with more consistent exterior maintenance and fewer absentee-owner surprises during a home inspection. No community amenities were identified from current MLS listings, so buyers should confirm directly what, if anything, an HOA covers before assuming pool, clubhouse, or recreational access.
The location and the amenities are priced into every listing in Preserve/Turtle Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With closing activity this thin in the most recent window, pricing a home correctly in Turtle Creek Phase 5 takes more than pulling a comp sheet — it means understanding which nearby phases and build years are truly comparable. We track this section as part of the broader Turtle Creek footprint so we can tell you honestly whether current listings are priced to the market or priced to a hope.
Preserve/Turtle Creek 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 Preserve/Turtle Creek 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 Preserve/Turtle Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Preserve/Turtle Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Preserve/Turtle Creek home worth?
Get a no-obligation home value based on real comparable sales in Preserve/Turtle Creek, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
How many homes are in Preserve/Turtle Creek?
What share of Preserve/Turtle Creek is owner-occupied?
When were the homes in Preserve/Turtle Creek built?
Who is the best real estate agent for Preserve/Turtle Creek?
How do I find a top St Cloud real estate agent who knows Preserve/Turtle Creek?
Can Momentum Realty connect me with an agent for Preserve/Turtle Creek?
Where is Preserve/Turtle Creek, and what county is it in?
Should you buy in Preserve/Turtle Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (7 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2018 (21 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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