S L & I C
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of November 2026, S L & I C in St Cloud, FL has 34 homes for sale and 6 pending, asking from $225,000 to $15,880,000 (median $784,950). Over the 12 months ending 2026-11-06, 24 recorded sales closed at a median of $525,800, $277 per square foot, a median 66 days on market, sellers accepting 93% of original asking. Homes listed or recently sold were built 1925–2026 with 4 new construction; 40 listings state no HOA; 15 of the 48 geocoded homes sit in a FEMA special flood hazard zone (median elevation 70 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $8,010 ($7,410 with the full homestead exemption).
Last 30 days in S L & I C: 5 new listings (median asking $455,000), 6 under contract right now, 5 closed sales (median $560,000). As of November 7, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in S L & I C
Live MLS inventory for S L & I C. 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 · 39 daysTop listing
Active · 70 days
Active · 123 days
Active · 56 days
Active · 106 days
Active · 137 days
Active · 181 days
Active · 868 days
Active · 92 days
Active · 164 days
Active · 91 days
Active · 59 days
Active · 113 days
Active · 63 daysActive and pending S L & I C listings as of 2026-11-06, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Tap any home to ask about it.
Price here is driven by condition and vintage, not a uniform product. With a median build year of 1993 but a range stretching from 1910 all the way to 2024, this is a mixed-age pocket where a renovated older home and a newer build can trade at very different levels. The median sits at $562,500, or about $258 per square foot on roughly 1,980 square feet — but treat that as a center of gravity, not a going rate. The spread around it is wide, and what you pay tracks the work already done to the house.
The current posture is balanced leaning toward sellers. A median 39 days on market means well-prepared listings move at a steady clip without the frenzy, and the 8.2% year-over-year change points to firm demand rather than a spike. Sellers still need to price to condition; buyers have enough time to inspect and negotiate but not enough to stall on a sharp listing.
Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.
S L & I C right now
🟢 Buyer-leaning market. 6.1 months of supply and 18% 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 November 6, 2026. Confidence: Very High (40 active and pending listings, 24 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 7, 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
S L & I C market snapshot (as of November 6, 2026): the median sale price is about $526K ($277 per sq ft over the trailing 12 months of closed sales), a median 67 days on market for closed sales, and 6.1 months of supply, a buyer-leaning market.
In ZIP 34769 (St Cloud), 230 homes closed in the last 12 months at a median of $375K ($196/sq ft), up 0.2% year over year, with a median 64 days on market. Right now 71 active and 27 pending listings put supply at about 3.7 months — a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
County records show 53 qualified sales in S L & I C across 2024–2025 (28 in 2024, 25 in 2025), median $465,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in S L & I C: of 38 listing addresses checked against the FEMA National Flood Hazard Layer, 61% sit outside the FEMA Special Flood Hazard Area (Zone X); 39% 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.
S L & I C is a community of 790 homes in St Cloud, Osceola County, built between 1922 and 2024 (median 1997.0), with a median living area of about 2,112 square feet. 72% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
S L & I C is an established, mixed-vintage part of St Cloud in Osceola County — nearly 1,500 homes spanning more than a century of construction, which means inventory quality varies far more than the single median suggests.
The setting & the homes.
Aerial and on-site photos of S L & I C. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
S L & I CS L & I C
S L & I C
S L & I C
S L & I C
S L & I CS L & I CS L & I CPhotos from Stellar MLS listings in S L & I C; content deemed reliable but not guaranteed.
Who S L & I C is best for.
Best for
- Buyers comfortable underwriting an older or updated home on its individual condition rather than a neighborhood average
- Owner-occupants planning to stay put, drawn to an established area with a large homesteaded core
- Value-minded buyers willing to take on some deferred work in exchange for a lower entry on a home that needs a plan
Probably not for
- Buyers who want the consistency and warranties of a single new-construction subdivision
- Anyone needing fully turnkey finishes with no appetite for updates or system replacements
- Investors expecting rapid flips in a market with limited turnover and a median 39 days on market
S L & I C 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.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hickory Tree Elem · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent S L & I C 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 S L & I C address.
Shop the zone: Homes zoned for St. Cloud High School · Homes zoned for Harmony High High School
The S L & I C buying strategy.
If we were buying in S L & I C 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 S L & I C.
A mixed-vintage pocket where condition sets the price
The defining feature here is age diversity. A build range from 1910 to 2024 tells you two houses on the same block can be a full renovation apart. The median year built of 1993 puts the middle of the market in solidly established territory, so expect mature lots and homes that have often seen at least one update cycle. Buyers should budget attention for roofs, systems, and finishes rather than assume turnkey.
About 70% of homes carry a homestead exemption, which points to a large owner-occupied core and comparatively limited turnover. That tends to keep the resale pool tighter and rewards buyers who are ready to act on the right listing. At a median 39 days on market, the well-priced homes don't linger, but the range of conditions means patient buyers can still find value in a property that needs work.
The location and the amenities are priced into every listing in S L & I C. 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 S L & I C 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 (5.4). Basis: Liquidity & Demand 6.1 months of supply; Owner Commitment 72% owner-occupied; Pricing Power 92.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a market this varied by age and condition, the median number does more harm than good if you read it as a price tag. We underwrite each home on its own — vintage, systems, and finish level — so you know whether a listing is priced to its condition or coasting on the neighborhood average. That's the difference between overpaying for cosmetics and buying real value in a home that needs a plan.
S L & I C in 15 seconds.
Tools for a S L & I C 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 S L & I C sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in S L & I C, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your S L & I C home worth?
Get a no-obligation home value based on real comparable sales in S L & I C, 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 S L & I C on the map →
Recently off market in S L & I C
Homes in S L & I C 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. 18 on record.
- 1726 Missouri Avenue · off market
- 233 Eastern Avenue · off market
- 2955 Godwin Road · off market
- 305 E 5Th Street · off market
- 3211 Lakeshore Boulevard · off market
- 3805 Lakeview Acres Road · off market
- 3925 Kaiser Avenue · off market
- 3954 Mcclelland Road · off market
| Location | St Cloud, Osceola County, FL · ZIP 34769, 34772 |
|---|---|
| Homes in the community | 790 (FL DOR 2025 assessment roll) |
| Years built | 1922–2024 (median 1997.0) |
| Typical living area | 2,112 sq ft (median) |
| Home types (current listings and sales) | single-family 81%, manufactured homes 17% |
| Amenities listed by sellers | Security Gate, Security Lights, Horses Allowed, Security System, Closed Circuit Camera(s), Fire Alarm |
| Sale prices, last 12 months | $525,800 median across 24 closed sales · $277 per sq ft |
| Days on market (closed sales) | 66 median |
| For sale right now | 33 active, 7 pending · median asking $799,900 · 6.1 months of supply |
| Owner-occupied (homestead) share | 72% |
Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “S L & I C key facts,” movewithmomentum.com/neighborhoods/s-l-i-c, data as of November 6, 2026.
Housing distress & ownership in S L & I C, 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 S L & I C
The newest homes for sale in S L & I C right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4805 Hunting Lodge Drive $434,500 · 3 bd · 2 ba · 1,388 sq ft · listed Nov 6, 2026 Courtesy of REALLOOK.COM
- 3800 Chaplain Rd $455,000 · 3 bd · 2 ba · 1,500 sq ft · listed Oct 16, 2026 Courtesy of TIE TEAM REALTY LLC
- 3079 Rambler Avenue $15,880,000 · 9 bd · 13 ba · 12,980 sq ft · listed Sep 29, 2026 Courtesy of AAA GLOBAL VENTURES PA
- 4349 Packard Avenue $729,000 · 3 bd · 2.5 ba · 1,951 sq ft · listed Sep 26, 2026 Courtesy of EAST PARK REALTY LLC
- 3980 Doe Drive $595,900 · 3 bd · 2 ba · 1,456 sq ft · listed Sep 22, 2026 Courtesy of NONA LEGACY POWERED BY LA ROSA
- 1800 Crawford Avenue $285,000 · 2 bd · 1 ba · 768 sq ft · listed Sep 22, 2026 Courtesy of 407 PROPERTIES
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in S L I C Right Now (38)
All 38 active and pending S L I C listings with a detail page, newest first, refreshed twice a day from the MLS.
- 550 Orange Avenue · $385,900 · 3 bd / 2 ba · listed by Roman'S Pro Realty Llc
- 4805 Hunting Lodge Drive · $434,500 · 3 bd / 2 ba · listed Nov 5, 2026 · listed by Reallook.Com
- 3755 Lakeview Acres Road · $779,000 · 4 bd / 4 ba · pending · listed Oct 20, 2026 · listed by Sun Seekers Real Estate Inc
- 4060 Packard Avenue · $300,000 · 3 bd / 2 ba · pending · listed Oct 16, 2026 · listed by Bhhs Florida Realty
- 3800 Chaplain Rd · $455,000 · 3 bd / 2 ba · listed Oct 15, 2026 · listed by Tie Team Realty Llc
- 3079 Rambler Avenue · $15,880,000 · 9 bd / 13 ba · listed Sep 29, 2026 · listed by Aaa Global Ventures Pa
- 4349 Packard Avenue · $729,000 · 3 bd / 2.5 ba · listed Sep 26, 2026 · listed by East Park Realty Llc
- 3980 Doe Drive · $595,900 · 3 bd / 2 ba · listed Sep 21, 2026 · listed by Nona Legacy Powered By La Rosa
- 1800 Crawford Avenue · $285,000 · 2 bd / 1 ba · listed Sep 21, 2026 · listed by 407 Properties
- 4600 Hickory Tree Rd · $850,000 · 3 bd / 2.5 ba · listed Sep 11, 2026 · listed by Corcoran Connect Llc
- 4594 Hickory Tree Rd · $1,450,000 · 4 bd / 3 ba · listed Sep 11, 2026 · listed by Corcoran Connect Llc
- 4410 Mildred Bass Road · $999,000 · 6 bd / 5.5 ba · listed Sep 10, 2026 · listed by Legacy Realty Of Central Florida Llc
- 3145 Packard Avenue · $859,900 · 5 bd / 4.5 ba · listed Sep 10, 2026 · listed by Vesti Llc
- 4465 Story Road · $515,000 · 2 bd / 2 ba · listed Sep 10, 2026 · listed by Exp Realty Llc
- 4450 Quail Roost Rd · $549,900 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Tie Team Realty Llc
- 5381 Alligator Lake Road · $545,000 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Exp Realty Llc
- 4460 Runway Lane · $1,250,000 · 3 bd / 2.5 ba · listed Sep 10, 2026 · listed by Lifestyle International Realty
- 4125 Hickory Tree Road · $1,080,000 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by Dream Builders Realty
- 3060 Rambler Avenue · $990,000 · 3 bd / 2 ba · listed Sep 8, 2026 · listed by Marview International Realty Llc
- 3135 Old Hickory Tree Road · $255,000 · 2 bd / 1.5 ba · pending · listed Sep 7, 2026 · listed by G First Realty Llc
- 4410 Albritton Road · $1,800,000 · 5 bd / 6.5 ba · listed Sep 5, 2026 · listed by Exp Realty Llc
- 4024 Sylvester Drive · $1,295,000 · 3 bd / 3.5 ba · listed Sep 5, 2026 · listed by Charles Rutenberg Realty Orlando
- 3845 Chaplain Road · $1,100,000 · 2 bd / 2 ba · listed Aug 30, 2026 · listed by Deese Management & Real Estate
- 634 Grape Avenue · $565,000 · 3 bd / 2 ba · listed Aug 28, 2026 · listed by Weichert Realtors Hallmark Pro
- 4664 Hickory Tree Ln · $1,599,000 · 4 bd / 4.5 ba · listed Aug 14, 2026 · listed by Tie Team Realty Llc
- 4901 Manor House Lane · $1,250,000 · 5 bd / 3 ba · listed Aug 14, 2026 · listed by Central Florida Real Estate Management Llc
- 4657 Hickory Tree Road · $999,990 · 5 bd / 3.5 ba · listed Aug 11, 2026 · listed by La Rosa Realty Llc
- 3050 S Indiana Avenue · $799,900 · 3 bd / 2.5 ba · listed Aug 8, 2026 · listed by Monument Resource Partners Llc
- 450 Rosedale Avenue · $539,000 · 3 bd / 2 ba · listed Aug 8, 2026 · listed by Florida Pines Realty, Llc
- 4256 La Salle Ave · $769,999 · 4 bd / 2.5 ba · listed Aug 8, 2026 · listed by Tie Team Realty Llc
- 1705 Delaware Avenue · $225,000 · 1 bd / 1 ba · listed Aug 8, 2026 · listed by Exp Realty Llc
- 3954 La Salle Avenue · $489,000 · 3 bd / 1 ba · listed Aug 8, 2026 · listed by Heritage Real Estate Agency Llc
- 4730 Quail Roost Road · $699,900 · 5 bd / 3 ba · listed Aug 8, 2026 · listed by Real Broker, Llc
- 2925 Godwin Road · $825,000 · 3 bd / 3 ba · listed Aug 8, 2026 · listed by Coldwell Banker Realty
- 4450 Kaiser Ave · $1,179,900 · 6 bd / 3 ba · listed Aug 8, 2026 · listed by Tie Team Realty Llc
- 3845 Rambler Avenue · $430,000 · 3 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Real Broker, Llc
- 3844 Kaiser Avenue · $560,000 · 4 bd / 2 ba · pending · listed Aug 8, 2026 · listed by Premier Properties Llc
- 4055 Edsel Avenue · $850,000 · 6 bd / 6 ba · pending · listed Aug 8, 2026 · listed by Florida Realty Results Llc
Recently sold in S L I C
- 3834 Hixon Avenue · sold $380,000
- 4623 Mildred Bass Road · sold $815,000
- 3954 Mcclelland Road · sold $604,000
- 420 Jacks Memorial Rd · sold $370,000
- 4279 Henry J Ave · sold $560,000
- 233 Eastern Avenue · sold $650,000
- 305 E 5Th Street · sold $350,000
- 3925 Kaiser Avenue · sold $250,000
- 3805 Lakeview Acres Road · sold $1,000,000
- 4280 Tucker Avenue · sold $775,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
- Gated communities in St Cloud
- St Cloud home values: what is my house worth?
St Cloud guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- New construction
- New construction (Osceola County)
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
Real estate agent in St Cloud? Join Momentum in St Cloud: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Rambler Avenue (11 homes on record)
- Hickory Tree Road (9 homes on record)
- Packard Avenue (8 homes on record)
- La Salle Avenue (7 homes on record)
- Kissimmee Park Road (5 homes on record)
- Orange Avenue (4 homes on record)
- Kaiser Avenue (4 homes on record)
- Grape Avenue (4 homes on record)
- Albritton Road (4 homes on record)
- Henry J Avenue (4 homes on record)
- Robinson Avenue (4 homes on record)
- Alligator Lake Road (2 homes on record)
15% of homes for sale in S L & I C 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 (2026-11-07).
S L I C Market Scorecard
S L I C is currently a strong buyer's market. About 30.0 months of supply, a median asking price of $837,500, and homes go under contract in about 106 days.
Typical home value in the 34772 ZIP is $393,754, about 15.5% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Email me new listings in S L & I C
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 S L & I C
Have a question about the homes, fees, rules or commute here? A Momentum agent who works S L & I C will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in S L & I C?
How long do homes in S L & I C take to sell?
Is S L & I C a buyer's or seller's market right now?
How many homes are in S L & I C?
What share of S L & I C is owner-occupied?
When were the homes in S L & I C built?
Who is the best real estate agent for S L & I C?
How do I find a top St Cloud real estate agent who knows S L & I C?
Can Momentum Realty connect me with an agent for S L & I C?
Where is S L & I C, and what county is it in?
Is S L & I C in a flood zone?
Is S L & I C a good place to live?
Should you buy in S L & I C?
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 6, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 6, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (12 streets, ZIP 34769/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-06 |
| Historical depth | Closed-sale records back to 2024 (26 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. A Momentum agent can price yours against live local 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.
See how S L & I C fits the bigger picture — live prices, inventory, and Momentum Scores:
