S L & I C
Homes for Sale in St. Cloud, FL

S L & I C market snapshot (as of September 20, 2026): the median sale price is about $560K ($264 per sq ft over the trailing 12 months of closed sales), a median 45 days on market for closed sales, and 6.2 months of supply, a buyer-leaning market. The trailing-12-month median is down 1% from the prior 12 months, computed from record-level Stellar MLS closed sales (54 closings in the current window).

In ZIP 34769 (St Cloud), 630 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 0.7% year over year, with a median 58 days on market. Right now 141 active and 49 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 34769 housing market and the Osceola County market.

County records show 62 qualified sales in S L & I C across 2024–2025 (34 in 2024, 28 in 2025), median $450,000 — 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 45 listing addresses checked against the FEMA National Flood Hazard Layer, 60% sit outside the FEMA Special Flood Hazard Area (Zone X); 40% 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 911 homes in St Cloud, Osceola County, built between 1922 and 2024 (median 1996), with a median living area of about 2,052 square feet. 71% 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.

• 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.

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.

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.

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.