Silver Springs
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Homes For Sale Right Now in Silver Springs
Live MLS inventory for Silver Springs. 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 · 132 daysTop listing
Active · 59 days
Active · 465 days
Active · 139 days
Active · 54 days
Active · 204 daysActive and pending Silver Springs listings as of 2026-09-10, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Tap any home to ask about it.
Silver Springs right now
🟢 Buyer-leaning market. 20.0 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 August 23, 2026. Confidence: Medium (5 active and pending listings, 3 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($435K) is up 10.1% from the prior 12 months ($395K). With about 20 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 August 23. Confidence: Low (3 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 23, 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 Springs market snapshot (as of August 23, 2026): the median sale price is about $435K ($177 per sq ft over the trailing 12 months of closed sales), a median 63 days on market for closed sales, and 20.0 months of supply, a buyer-leaning market. The trailing-12-month median is up 10% from the prior 12 months, computed from record-level Stellar MLS closed sales (3 closings in the current window).
Silver Springs is a community of 89 homes in St Cloud, Osceola County, built between 2022 and 2023 (median 2023), with a median living area of about 2,411 square feet. 39% 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 Silver Springs. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Silver Springs
Silver SpringsPhotos from Stellar MLS listings in Silver Springs; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 23 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($435K) IS the median in the snapshot above, and the move from 2025 ($395K) IS the +10.1% one-year change.
Windows contain 0 to 55 sales each (3 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2021 through 2026. Deemed reliable but not guaranteed.
34% of homes for sale in ZIP 34771 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 (2026-08-18).
Silver Springs Market Scorecard
Silver Springs is currently a buyer-leaning market. About 20.0 months of supply, a median asking price of $419,000, and homes go under contract in about 139 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Housing distress & ownership in SILVER SPRINGS, 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.
Silver Springs 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 Silver Springs
- Playground · reported on 6 of 6 listings
- Pool · reported on 6 of 6 listings
- Park · reported on 3 of 6 listings
- Clubhouse · reported on 1 of 6 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 Springs 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 Springs address.
The Silver Springs buying strategy.
If we were buying in Silver Springs 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 Springs.
A closer look at the Silver Springs market
At a median of $177 per square foot, Silver Springs 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 20.0 months of supply, a buyer-leaning market and the trailing-12-month median up 10% year over year. Homes that do trade take a median 63 days on market, useful leverage on any listing that has lingered.
The housing stock is 89 homes built between 2022 and 2023, and 39% 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 Silver Springs. 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 Silver Springs 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 4 factors (5.1). Basis: Recent Direction +10.1% year-over-year; Liquidity & Demand 20.0 months of supply; Owner Commitment 39% owner-occupied; Pricing Power 96.7% sale-to-list. Refreshed with each data update.
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 Springs 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 Springs sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Silver Springs, 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 Springs home worth?
Get a no-obligation home value based on real comparable sales in Silver Springs, 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 Springs on the map →
Frequently Asked Questions
What is the median home price in Silver Springs?
How long do homes in Silver Springs take to sell?
Is Silver Springs a buyer's or seller's market right now?
How many homes are in Silver Springs?
What share of Silver Springs is owner-occupied?
When were the homes in Silver Springs built?
Who is the best real estate agent for Silver Springs?
How do I find a top St Cloud real estate agent who knows Silver Springs?
Can Momentum Realty connect me with an agent for Silver Springs?
Nearby Communities
Explore more neighborhoods near Silver Springs with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 23, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (2 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2021 (121 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.
Looking to buy here? Search homes for sale →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how SILVER SPRINGS fits the bigger picture — live prices, inventory, and Momentum Scores: