Reserve At Pine Tree St Cloud
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
Reserve At Pine Tree St Cloud right now
🟢 Buyer-leaning market. 12.0 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 July 15, 2026. Confidence: Medium (3 active and pending listings, 3 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 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
Reserve At Pine Tree St Cloud market snapshot (as of July 15, 2026): the median sale price is about $409K ($174 per sq ft over the trailing 12 months of closed sales), a median 33 days on market for closed sales, and 12.0 months of supply, a buyer-leaning market.
Reserve At Pine Tree St Cloud is a community of 106 homes in ST CLOUD, Osceola County, built between 2019 and 2022 (median 2020.0), with a median living area of about 2,382 square feet. 89% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Reserve At Pine Tree St Cloud. Swipe to explore the community.
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Reserve At Pine Tree St Cloud
Reserve At Pine Tree St Cloud
Reserve At Pine Tree St Cloud
Reserve At Pine Tree St Cloud
Reserve At Pine Tree St Cloud
Reserve At Pine Tree St CloudHomes For Sale Right Now in Reserve At Pine Tree St Cloud
Live MLS inventory for Reserve At Pine Tree St Cloud. 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 Reserve At Pine Tree St Cloud listings as of 2026-07-16, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Reserve At Pine Tree St Cloud 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 Reserve At Pine Tree St Cloud
- Pool · reported on 4 of 4 listings
- Community Mailbox · reported on 2 of 4 listings
- Playground · reported on 2 of 4 listings
- Park · reported on 2 of 4 listings
- Fitness Center · reported on 1 of 4 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
- Canoe Creek K-8 · Elementary
- St. Cloud Middle (6-8) · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Reserve At Pine Tree St Cloud 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 Reserve At Pine Tree St Cloud address.
=======How far is everything?
The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.
Drive times from RESERVE AT PINE TREE. They are approximate and vary with traffic and your exact start point.
Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.
Nearby Communities
Explore more neighborhoods near RESERVE AT PINE TREE Homes for Sale in St Cloud, FL with Momentum Realty’s local guides.
Carrying cost · the no-CDD edge
No CDD bond means thousands less per year than newer master plans.
Roughly $25,000 saved over 10 years in carrying cost, before resale.
Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Confirm current ratings before relying on them
- Private and parochial options nearby
RESERVE AT PINE TREE is served by Osceola County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.
Buying with schools in mind? We can confirm the exact zoned schools for any RESERVE AT PINE TREE address.
>>>>>>> origin/mainThe Reserve At Pine Tree St Cloud buying strategy.
If we were buying in Reserve At Pine Tree St Cloud 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 Reserve At Pine Tree St Cloud.
A closer look at the Reserve At Pine Tree St Cloud market
At a median of $174 per square foot, Reserve At Pine Tree St Cloud prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 12.0 months of supply, a buyer-leaning market. Homes that do trade take a median 33 days on market, useful leverage on any listing that has lingered.
The housing stock is 106 homes built between 2019 and 2022, and 89% 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 Reserve At Pine Tree St Cloud. 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 Reserve At Pine Tree St Cloud 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 3 factors (5.8). Basis: Liquidity & Demand 12.0 months of supply; Owner Commitment 89% owner-occupied; Pricing Power 97.7% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- 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.
Tools for a Reserve At Pine Tree St Cloud 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 Reserve At Pine Tree St Cloud sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Reserve At Pine Tree St Cloud, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Reserve At Pine Tree St Cloud home worth?
Get a no-obligation home value based on real comparable sales in Reserve At Pine Tree St Cloud, 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 Reserve At Pine Tree St Cloud on the map →
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.
25% of homes for sale in ZIP 34772 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 (2026-07-18).
RESERVE AT PINE TREE Market Scorecard
RESERVE AT PINE TREE is currently a buyer's market. About 8.0 months of supply, a median asking price of $517,500, and homes go under contract in about 84 days.
Typical home value in the 34772 ZIP is $398,561, about 8.1% 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.
RESERVE AT PINE TREE Market Scorecard
RESERVE AT PINE TREE is currently a buyer's market. About 8.0 months of supply, a median asking price of $517,500, and homes go under contract in about 84 days.
Typical home value in the 34772 ZIP is $398,561, about 8.1% 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.
Frequently Asked Questions
What is the median home price in Reserve At Pine Tree St Cloud?
How long do homes in Reserve At Pine Tree St Cloud take to sell?
Is Reserve At Pine Tree St Cloud a buyer's or seller's market right now?
How many homes are in Reserve At Pine Tree St Cloud?
What share of Reserve At Pine Tree St Cloud is owner-occupied?
When were the homes in Reserve At Pine Tree St Cloud built?
Do cash buyers compete in Reserve At Pine Tree St Cloud?
Who is the best real estate agent for Reserve At Pine Tree St Cloud?
How do I find a top ST CLOUD real estate agent who knows Reserve At Pine Tree St Cloud?
Can Momentum Realty connect me with an agent for Reserve At Pine Tree St Cloud?
Nearby Communities
Explore more neighborhoods near Reserve At Pine Tree St Cloud with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending July 15, 2026 |
| Housing stock & ownership | Florida DOR 2025 assessment roll (street-list match (3 streets, ZIP 34771/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2022 (7 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?
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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.
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Buying or researching Osceola County? See the full Osceola County real estate market report - prices, inventory, schools, taxes, and every Osceola County neighborhood.
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 local market average and 8 days faster, and we’ll price yours against live your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
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