Silver Spgs
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Silver Spgs in St Cloud, FL has 1 home for sale. As of September 2026, the MLS records 17 closed sales in Silver Spgs in St Cloud, FL since 2022, the most recent in September 2025. Across St Cloud as a whole, 1,837 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 519 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Silver Spgs is a newer-construction pocket inside a community that technically dates back to 1981 - but the median build year of 2022 tells the real story. Most of what's on the ground here was built recently, and buyers should expect modern layouts and systems rather than a mix of old and new stock.
With only one active listing and a single closing in the most recent window, this is a thin-trading market by definition - pricing signals here are directional, not statistical. Combined with 12 months of supply, the posture favors buyers on terms and timeline, but sellers should not read a single data point as a market trend either way.
Silver Spgs 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: Low (1 active and pending listings, 1 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
Silver Spgs is a deed-restricted Osceola County community built out largely after 2020, with a pool and playground as its shared amenities - a newer-build profile inside an established community footprint.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Silver Spgs is best for.
Best for
- Buyers who want newer construction (median build year 2022) rather than an older resale stock
- Buyers comfortable with a deed-restricted community offering a pool and playground as shared amenities
- Buyers or investors who understand non-homestead property tax treatment, given the 38% homestead share
Probably not for
- Buyers who want a large active resale pool to compare pricing against before making an offer
- Buyers seeking older, established-vintage homes rather than a majority-newer-build community
- Sellers expecting fast turnover - 12 months of supply signals a slower absorption pace
The market around Silver Spgs
Silver Spgs is a small community — 42 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
The housing mix here is 95% single family residence, 5% ?.
ZIP and county figures describe the wider market, not Silver Spgs specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Silver Spgs
Live MLS inventory for Silver Spgs. 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 Silver Spgs listings as of 2026-09-02, 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.
Life at Silver Spgs
- Pool · reported on 2 of 2 listings
- Deed Restrictions · reported on 2 of 2 listings
- Playground · reported on 1 of 2 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
- VOYAGER K-8 · Elementary
- VOYAGER K-8 · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Silver Spgs 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 Silver Spgs address.
The Silver Spgs buying strategy.
If we were buying in Silver Spgs 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 Silver Spgs.
A newer build inside an older shell
The spread between the community's earliest homes (1981) and its median build year (2022) shows this is not a uniform-vintage neighborhood - most of the 213 homes here are recent construction, with a smaller number of older properties mixed in. Median living area runs around 2,351 square feet, which puts typical homes here in a larger-format range rather than compact or entry-level.
The homestead share sits at 38%, meaning a majority of properties in this community are not filed as a primary residence for tax purposes - worth factoring into how you read comps, since non-homestead properties often carry different tax bases and can include investment or secondary holdings. With just one active listing and one closing in the tracked window, treat any single price point as a data point, not a market average.
The location and the amenities are priced into every listing in Silver Spgs. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community this thin on active inventory and closings, pricing a listing or evaluating an offer correctly depends on knowing which comps actually apply - homestead status, build year, and square footage all move the number here more than a simple per-square-foot average would suggest. We pull the full history, not just what's active today, before we advise on price.
Silver Spgs in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- 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 Silver Spgs 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 Silver Spgs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Silver Spgs, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Silver Spgs home worth?
Get a no-obligation home value based on real comparable sales in Silver Spgs, 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 Silver Spgs 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.
SILVER SPGS Market Scorecard
SILVER SPGS is currently a strong buyer's market. About 12.0 months of supply, a median asking price of $469,900, and homes go under contract in about 172 days.
Typical home value in the 34771 ZIP is $436,543, about 13.8% 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.
Frequently Asked Questions
Is Silver Spgs a buyer's or seller's market right now?
How many homes are in Silver Spgs?
What share of Silver Spgs is owner-occupied?
When were the homes in Silver Spgs built?
Do cash buyers compete in Silver Spgs?
Who is the best real estate agent for Silver Spgs?
How do I find a top St Cloud real estate agent who knows Silver Spgs?
Can Momentum Realty connect me with an agent for Silver Spgs?
Should you buy in Silver Spgs?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Silver Spgs with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| Historical depth | Closed-sale records back to 2022 (17 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.
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.
More St. Cloud & Kissimmee, St. Cloud & Osceola County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.
See how Silver Spgs fits the bigger picture — live prices, inventory, and Momentum Scores: