Southern Pines
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of November 2026, Southern Pines in St Cloud, FL has 11 homes for sale and 1 pending, asking from $335,000 to $520,000 (median $383,500). Homes listed or recently sold were built 2004 - 2024; 24 of 24 report an HOA (median $105/mo); none of the 23 geocoded homes sit in a FEMA special flood hazard zone (median elevation 78 ft).
Villages & sections of Southern Pines
Southern Pines in St Cloud, FL is a master-planned community recorded as 2 named villages and sections in the MLS; 3 homes are for sale or pending across them today. Each village has its own page with its listings, sales history and HOA/CDD facts.
- Estates at Southern Pines · 2 for sale
- Seasons at Southern Pines · 1 for sale
Last 30 days in Southern Pines: 3 new listings (median asking $383,500), 1 under contract right now, 1 closed sale (median $349,900). As of November 9, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Southern Pines
Live MLS inventory for Southern Pines. 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 · 86 daysTop listing
Active · 148 days
Active · 9 days
Active · 154 days
Active · 34 days
Active · 69 days
Active · 80 days
Active · 74 days
Under Contract · 95 days
Pending · 115 daysActive and pending Southern Pines listings as of 2026-11-05, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2026. Tap any home to ask about it.
Southern Pines is a newer-built community in St. Cloud, with a median build year of 2022 and homes dating back to 2004. At a median of $375,000 and roughly $184 a square foot on about 2,188 square feet, price here is driven more by condition, lot, and finish than by age variation - most of the inventory is recent construction. The single median figure is your anchor; the spread within it comes down to the specifics of each home.
The market reads balanced, with about five months of supply and a median of roughly 68 days on market. Prices are off about 9% year over year, so sellers should price to current comparables rather than last year's peak, and buyers have time to look without the pressure of a hot market. The homestead share just over 70% points to a community held largely by owner-occupants rather than short-term turnover.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Southern Pines right now
🟡 Balanced market. 5.0 months of supply and 14% of the inventory already under contract put buyers and sellers on roughly even footing.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: Very High (14 active and pending listings, 22 closed sales in 12 months).
🔴 Off the recent peak. The trailing-12-month median ($375K) is down 9.0% from the prior 12 months ($412K) and up 271% since 2012. With about 19 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: Medium (22 and 14 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 11, 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
Southern Pines market snapshot (as of August 23, 2026): the median sale price is about $375K ($184 per sq ft over the trailing 12 months of closed sales), a median 69 days on market for closed sales, and 5.0 months of supply, a balanced market. The trailing-12-month median is down 9% from the prior 12 months and up 271% since 2012, computed from record-level Stellar MLS closed sales (22 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 2.7 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
Flood zones in Southern Pines: of 20 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
Southern Pines is a community of 545 homes in St Cloud, Osceola County, built between 2004 and 2024 (median 2022), with a median living area of about 2,188 square feet. 70% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
Southern Pines is a predominantly newer-construction community of roughly 545 homes in St. Cloud, Osceola County, with a full amenity package and inventory that currently moves at a measured pace.
The setting & the homes.
Aerial and on-site photos of Southern Pines. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Southern PinesSouthern PinesSouthern PinesSouthern PinesSouthern PinesSouthern PinesSouthern PinesSouthern PinesPhotos from Stellar MLS listings in Southern Pines; content deemed reliable but not guaranteed.
Who Southern Pines is best for.
Best for
- Buying newer construction with low near-term maintenance and modern floor plans around 2,188 square feet
- Wanting on-site amenities - pool, clubhouse, parks, and a dog park - within the community
- Buying in a balanced market where you can take time to inspect and negotiate
Probably not for
- Needing to avoid HOA dues, rules, or shared-amenity obligations
- Chasing a fast flip or a quick-appreciation play after a recent year-over-year decline
- Wanting an older or more varied-vintage home, since inventory skews recent construction
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 ($375K) IS the median in the snapshot above, and the move from 2025 ($412K) IS the -9.0% one-year change.
Windows contain 1 to 54 sales each (22 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 2005 through 2026. Deemed reliable but not guaranteed.
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.
8% of homes for sale in Southern Pines 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 (2026-11-11).
SOUTHERN PINES Market Scorecard
SOUTHERN PINES is currently a strong buyer's market. About 11.0 months of supply, a median asking price of $383,500, and homes go under contract in about 78 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: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Southern Pines 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.
Life at Southern Pines
- Pool · reported on 7 of 13 listings
- Playground · reported on 7 of 13 listings
- Park · reported on 4 of 13 listings
- Clubhouse · reported on 3 of 13 listings
- Dog Park · reported on 1 of 13 listings
- Community Mailbox · reported on 1 of 13 listings
- Irrigation-Reclaimed Water · reported on 1 of 13 listings
- Association Recreation - Owned · reported on 1 of 13 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
- Michigan Avenue Elem (K 5) · Elementary
- St. Cloud Middle (6-8) · Middle
- St. Cloud High School · High
Zoned schools reflect the assignments reported on recent Southern Pines 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 Southern Pines address.
Shop the zone: Homes zoned for St. Cloud High School
The Southern Pines buying strategy.
If we were buying in Southern Pines 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 Southern Pines.
A balanced market in newer stock
The amenity set here is substantial for a single community: pool, clubhouse, park, playground, dog park, and reclaimed-water irrigation, with recreation facilities association-owned. That carries an HOA obligation, so confirm current dues, access, and reserve status directly with the association before you write an offer. Amenities are reported across MLS listings and can change.
With about 12 active listings against 22 closings in the trailing window and five months of supply, neither side holds decisive leverage. The median near 68 days tells you homes are not flying off the shelf - pricing discipline and presentation matter. Since 2012 values are up 271%, a long-run figure that reflects how much newer construction has been delivered here, not a promise about what comes next.
The location and the amenities are priced into every listing in Southern Pines. 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 Southern Pines 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 5 factors (6.6). Basis: Long-Term Appreciation +271% since 2012; Recent Direction -9.0% year-over-year; Liquidity & Demand 5.0 months of supply; Owner Commitment 70% owner-occupied; Pricing Power 95.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a balanced market with a 9% year-over-year pullback, the gap between a well-priced home and an aspirational one shows up directly in days on market. We price to live comparables, read each home's condition and lot honestly, and tell you plainly when a listing is stretched - on either side of the deal.
Southern Pines in 15 seconds.
Tools for a Southern Pines 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 Southern Pines sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Southern Pines, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Southern Pines home worth?
Get a no-obligation home value based on real comparable sales in Southern Pines, 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 Southern Pines on the map →
Recently off market in Southern Pines
Homes in Southern Pines 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. 9 on record.
- 374 Pine Tree Bridge Trail · off market
- 3941 Southern Vista Loop · off market
- 4131 Tree Swallow Trail · off market
- 4160 Southern Vista Loop · off market
- 4250 Southern Vista Loop · off market
- 4334 Southern Vista Loop · off market
- 4362 Southern Vista Loop · off market
- 5051 Plymouth Turtle Circle · off market
| Location | St Cloud, Osceola County, FL |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Playground, Pool, Clubhouse, Park, Community Mailbox, Security System |
| For sale right now | 9 active, 2 pending · median asking $375,000 · 3.7 months of supply |
Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID. Market figures describe homes, not residents. Cite as: Momentum Realty, “Southern Pines key facts,” movewithmomentum.com/neighborhoods/southern-pines-st-cloud, data as of November 6, 2026.
Housing distress & ownership in SOUTHERN PINES UNIT 1, 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 Southern Pines
The newest homes for sale in Southern Pines right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 4319 Southern Vista Loop $383,500 · 4 bd · 2 ba · 1,919 sq ft · listed Nov 8, 2026 Courtesy of ZEMBALA GROUP
- 5170 Preserve Blvd $365,000 · 4 bd · 2.5 ba · 2,199 sq ft · listed Nov 5, 2026 Courtesy of ORCHARD BROKERAGE, LLC
- 375 Pink Ibis Bend $429,900 · 4 bd · 3 ba · 2,091 sq ft · listed Oct 30, 2026 Courtesy of EXP REALTY LLC
- 4721 Preserve Boulevard $375,000 · 4 bd · 2 ba · 1,974 sq ft · listed Oct 2, 2026 Courtesy of FLORIDA LUX LISTINGS, LLC
- 221 Daigledog Street $365,000 · 3 bd · 2 ba · 1,875 sq ft · listed Aug 24, 2026 Courtesy of EXP REALTY LLC
- 5590 Silver Thistle Lane $335,000 · 3 bd · 2 ba · 1,557 sq ft · listed Aug 23, 2026 Courtesy of LA ROSA REALTY KISSIMMEE
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in Southern Pines St Cloud Right Now (12)
All 12 active and pending Southern Pines St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4319 Southern Vista Loop · $383,500 · 4 bd / 2 ba · listed Nov 7, 2026 · listed by Zembala Group
- 5170 Preserve Blvd · $365,000 · 4 bd / 2.5 ba · listed Nov 4, 2026 · listed by Orchard Brokerage, Llc
- 375 Pink Ibis Bend · $429,900 · 4 bd / 3 ba · listed Oct 26, 2026 · listed by Exp Realty Llc
- 4721 Preserve Boulevard · $375,000 · 4 bd / 2 ba · listed Sep 30, 2026 · listed by Florida Lux Listings, Llc
- 5590 Silver Thistle Lane · $335,000 · 3 bd / 2 ba · listed Sep 10, 2026 · listed by La Rosa Realty Kissimmee
- 221 Daigledog Street · $365,000 · 3 bd / 2 ba · listed Aug 26, 2026 · listed by Exp Realty Llc
- 4210 Southern Vista Loop · $520,000 · 5 bd / 2.5 ba · listed Aug 17, 2026 · listed by Kaza Real Estate Llc
- 486 Pine Tree Bridge Trail · $354,990 · 4 bd / 2 ba · listed Aug 14, 2026 · listed by Road House Realty Inc.
- 4148 Southern Vista Loop · $480,000 · 5 bd / 3 ba · listed Aug 12, 2026 · listed by Keller Williams Realty At The Parks
- 670 Brown Bear Court · $479,900 · 5 bd / 4 ba · listed Aug 12, 2026 · listed by Lpt Realty, Llc
- 584 Pink Ibis Bend · $392,000 · 5 bd / 3 ba · listed Aug 12, 2026 · listed by Bhhs Florida Realty
- 557 Pink Ibis Bend · $375,000 · 5 bd / 3 ba · pending · listed Aug 12, 2026 · listed by Exp Realty Llc
Recently sold in Southern Pines St Cloud
- 4250 Southern Vista Loop · sold $349,900
- 4131 Tree Swallow Trail · sold $380,000
- 4334 Southern Vista Loop · sold $350,000
- 4160 Southern Vista Loop · sold $429,000
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
- Florida documentary stamp tax, explained
- Cheapest places to live 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.
- Southern Vista Loop (46 homes on record)
- Pine Tree Bridge Trail (29 homes on record)
- Pink Ibis Bend (23 homes on record)
- Silver Thistle Lane (20 homes on record)
- Silver Thistle Lane (12 homes on record)
- Silver Thistle Lane (11 homes on record)
- Silver Thistle Lane (11 homes on record)
- Preserve Boulevard (11 homes on record)
- Silver Thistle Lane (10 homes on record)
- Silver Thistle Lane (10 homes on record)
- Preserve Boulevard (9 homes on record)
- Southern Vista Loop (8 homes on record)
What it really costs to own in Southern Pines
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $105/month across 26 MLS listings (most billed quarterly; 2026-11-11). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 20 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2022 across 24 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Southern Pines
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 Southern Pines
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Southern Pines will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in Southern Pines?
How long do homes in Southern Pines take to sell?
Is Southern Pines a buyer's or seller's market right now?
How many homes are in Southern Pines?
What share of Southern Pines is owner-occupied?
When were the homes in Southern Pines built?
Have Southern Pines home prices gone up?
Who is the best real estate agent for Southern Pines?
How do I find a top St Cloud real estate agent who knows Southern Pines?
Can Momentum Realty connect me with an agent for Southern Pines?
Where is Southern Pines, and what county is it in?
Is Southern Pines in a flood zone?
Should you buy in Southern Pines?
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 5, 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 (6 streets, ZIP 34769/34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2005 (236 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?
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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.
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See how SOUTHERN PINES UNIT 1 fits the bigger picture — live prices, inventory, and Momentum Scores:
