Reserve at Pine Tree
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Reserve At Pine Tree in St Cloud, FL has 3 homes for sale. Over the 12 months ending 2026-09-20, 3 recorded sales closed at a median of $408,990, $174 per square foot, a median 33 days on market, sellers accepting 98% of original asking. Homes listed or recently sold were built 2019 - 2021; 5 of 5 report an HOA (median $110/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 78 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,230 ($5,630 with the full homestead exemption).
Homes For Sale Right Now in Reserve at Pine Tree
Live MLS inventory for Reserve at Pine Tree. 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 listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2022 through 2026. Tap any home to ask about it.
Every Home for Sale in Reserve At Pine Tree St Cloud Right Now (2)
All 2 active and pending Reserve At Pine Tree St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1285 Hilltop Place · $515,000 · 4 bd / 3.5 ba · listed Jun 27, 2026 · listed by Real Estate Empire Group, Inc.
- 1461 Clear Brook Place · $499,999 · 4 bd / 4 ba · listed Jun 27, 2026 · listed by Exp Realty Llc
Reserve at Pine Tree 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 September 12, 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 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
Reserve at Pine Tree market snapshot (as of September 12, 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.
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.
Reserve at Pine Tree is a community of 83 homes in St Cloud, Osceola County, built between 2019 and 2022 (median 2020), with a median living area of about 2,388 square feet. 90% 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. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Reserve at Pine Tree; content deemed reliable but not guaranteed.
Housing distress & ownership in Reserve At Pine Tree, 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.
Reserve at Pine Tree 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
- 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
- Michigan Avenue Elem (K 5) · Elementary
- St. Cloud Middle (6-8) · Middle
- St. Cloud High School · High
Zoned schools reflect the assignments reported on recent Reserve at Pine Tree 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 address.
Shop the zone: Homes zoned for St. Cloud High School · Homes zoned for Harmony High High School
The Reserve at Pine Tree buying strategy.
If we were buying in Reserve at Pine Tree 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.
A closer look at the Reserve at Pine Tree market
At a median of $174 per square foot, Reserve at Pine Tree 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 83 homes built between 2019 and 2022, and 90% 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. 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 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 90% owner-occupied; Pricing Power 97.7% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $110/month (about $1,320/yr) · median of 87 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $110 per month ($1,320 a year) - the median AssociationFee across 87 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 Reserve at Pine Tree 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 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, 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 home worth?
Get a no-obligation home value based on real comparable sales in Reserve at Pine Tree, 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 on the map →
Recently off market in Reserve At Pine Tree
Homes in Reserve At Pine Tree 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.
- 1429 Clear Brook Place · 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.
26% 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 (2026-09-26).
RESERVE AT PINE TREE Market Scorecard
RESERVE AT PINE TREE is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $499,999, and homes go under contract in about 166 days.
Typical home value in the 34772 ZIP is $398,990, about 8.0% 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?
How long do homes in Reserve at Pine Tree take to sell?
Is Reserve at Pine Tree a buyer's or seller's market right now?
How many homes are in Reserve at Pine Tree?
What share of Reserve at Pine Tree is owner-occupied?
When were the homes in Reserve at Pine Tree built?
Who is the best real estate agent for Reserve at Pine Tree?
How do I find a top St Cloud real estate agent who knows Reserve at Pine Tree?
Can Momentum Realty connect me with an agent for Reserve at Pine Tree?
Where is Reserve at Pine Tree, and what county is it in?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34771/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| 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?
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.
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See how Reserve At Pine Tree fits the bigger picture — live prices, inventory, and Momentum Scores:
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