S L & I C
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
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.
S L & I C right now
🟢 Still climbing. The trailing-12-month median ($562K) is up 8.2% from the prior 12 months ($520K). With about 21 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending July 15. Confidence: Very High (52 and 45 sales in the two windows).
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
S L & I C right now
🟢 Still climbing. The trailing-12-month median ($562K) is up 8.2% from the prior 12 months ($520K). With about 21 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending July 15. Confidence: Very High (52 and 45 sales in the two windows).
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
S L & I C market snapshot (as of July 15, 2026): the median sale price is about $562K ($258 per sq ft over the trailing 12 months of closed sales), and a median 39 days on market for closed sales. The trailing-12-month median is up 8% from the prior 12 months, computed from record-level Stellar MLS closed sales (52 closings in the current window).
S L & I C is a community of 1,499 homes in St Cloud, Osceola County, built between 1910 and 2024 (median 1993), with a median living area of about 1,980 square feet. 70% 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.
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
Median sale price over the trailing 12 months ending July 15 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($562K) IS the median in the snapshot above, and the move from 2025 ($520K) IS the +8.2% one-year change.
Windows contain 0 to 52 sales each (52 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Deemed reliable but not guaranteed.
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.
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 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 (7.2). Basis: Recent Direction +8.2% year-over-year; Owner Commitment 70% owner-occupied; Pricing Power 94.8% 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.
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 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.
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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?
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?
Do cash buyers compete in S L & I C?
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?
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
| 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 (25 streets, ZIP 34769/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2022 (105 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.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending July 15 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($562K) IS the median in the snapshot above, and the move from 2025 ($520K) IS the +8.2% one-year change.
Windows contain 0 to 52 sales each (52 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Deemed reliable but not guaranteed.
Data sources & freshness
| 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 (25 streets, ZIP 34769/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2022 (105 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 your area comps.
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