Springhead Lakes 40S
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Springhead Lakes 40S in St Cloud, FL has 4 homes for sale and 12 pending, asking from $407,990 to $484,490 (median $457,740). Over the 12 months ending 2026-09-20, 19 recorded sales closed at a median of $453,990, $186 per square foot, a median 29 days on market, sellers accepting 99% of original asking. Homes listed or recently sold were built 2025 - 2026 with 28 new construction; 28 of 28 report an HOA (median $143/mo); 8 of the 22 geocoded homes sit in a FEMA special flood hazard zone (median elevation 61 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,920 ($6,310 with the full homestead exemption).
| Location | ST CLOUD, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 216 (FL DOR 2025 assessment roll) |
| Years built | 1981–2024 (median 2022) |
| Typical living area | 2,351 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Deed Restrictions, Dog Park, Fitness Center, Park, Playground, Pool |
| Sale prices, last 12 months | $453,990 median across 19 closed sales · $186 per sq ft |
| Days on market (closed sales) | 29 median |
| For sale right now | 4 active, 12 pending · median asking $458,990 · 2.5 months of supply |
| Owner-occupied (homestead) share | 20% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Springhead Lakes 40S key facts,” movewithmomentum.com/neighborhoods/springhead-lakes-40s-st-cloud, data as of September 20, 2026.
Last 30 days in Springhead Lakes 40S: 4 new listings (median asking $457,740), 12 under contract right now, 1 closed sale (median $455,490). As of September 28, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Springhead Lakes 40S
Live MLS inventory for Springhead Lakes 40S. 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 Springhead Lakes 40S listings as of 2026-09-28, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. Tap any home to ask about it.
Springhead Lakes 40S right now
🔴 Seller-leaning market. 2.5 months of supply and 75% of the inventory already under contract give sellers the pressure advantage.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 September 20, 2026. Confidence: Very High (16 active and pending listings, 19 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 28, 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
Springhead Lakes 40S market snapshot (as of September 20, 2026): the median sale price is about $454K ($186 per sq ft over the trailing 12 months of closed sales), a median 29 days on market for closed sales, and 2.5 months of supply, a seller-leaning market.
In ZIP 34771 (ST CLOUD), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
County records show 8 qualified sales in Springhead Lakes 40S across 2024 - 2025 (6 in 2024, 2 in 2025), median $380,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Springhead Lakes 40S: of 21 listing addresses checked against the FEMA National Flood Hazard Layer, 62% sit outside the FEMA Special Flood Hazard Area (Zone X); 38% 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.
Springhead Lakes 40S is a community of 216 homes in St Cloud, Osceola County, built between 1981 and 2024 (median 2022), with a median living area of about 2,351 square feet. 20% 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 Springhead Lakes 40S. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Springhead Lakes 40S; content deemed reliable but not guaranteed.
Housing distress & ownership in Springhead Lakes 40S, 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.
Springhead Lakes 40S 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 Springhead Lakes 40S
- Fitness Center · reported on 25 of 25 listings
- Pool · reported on 25 of 25 listings
- Deed Restrictions · reported on 25 of 25 listings
- Dog Park · reported on 25 of 25 listings
- Park · reported on 25 of 25 listings
- Playground · reported on 25 of 25 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
- Neptune Elementary · Elementary
- Neptune Middle (6-8) · Middle
- Gateway High School (9 12) · High
Zoned schools reflect the assignments reported on recent Springhead Lakes 40S 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 Springhead Lakes 40S address.
Shop the zone: Homes zoned for Gateway High School (9 12)
The Springhead Lakes 40S buying strategy.
If we were buying in Springhead Lakes 40S 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Springhead Lakes 40S.
A closer look at the Springhead Lakes 40S market
At a median of $186 per square foot, Springhead Lakes 40S 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 2.5 months of supply, a seller-leaning market. Homes that do trade take a median 29 days on market, useful leverage on any listing that has lingered.
The housing stock is 216 homes built between 1981 and 2024, and 20% 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 Springhead Lakes 40S. 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 Springhead Lakes 40S 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 (6.4). Basis: Liquidity & Demand 2.5 months of supply; Owner Commitment 20% owner-occupied; Pricing Power 99.4% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $143/month (about $1,716/yr) · median of 444 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $143 per month ($1,716 a year) - the median AssociationFee across 444 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Springhead Lakes 40S 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 Springhead Lakes 40S sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Springhead Lakes 40S, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Springhead Lakes 40S home worth?
Get a no-obligation home value based on real comparable sales in Springhead Lakes 40S, 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 Springhead Lakes 40S on the map →
Recently off market in Springhead Lakes 40S
Homes in Springhead Lakes 40S 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. 7 on record.
- 3261 Zuni Road · off market
- 5554 Ronin Drive · off market
- 5577 Fiona Lane · off market
- 5593 Fiona Lane · off market
- 5594 Ronin Drive · off market
- 5613 Fiona Lane · off market
- 5617 Fiona Lane · off market
Springhead Lakes 40s Market Scorecard
Springhead Lakes 40s is currently a seller's market. About 2.5 months of supply, a median asking price of $457,740, and homes go under contract in about 3 days.
Typical home value in the 34771 ZIP is $431,565, about 14.3% 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
What is the median home price in Springhead Lakes 40S?
How long do homes in Springhead Lakes 40S take to sell?
Is Springhead Lakes 40S a buyer's or seller's market right now?
How many homes are in Springhead Lakes 40S?
What share of Springhead Lakes 40S is owner-occupied?
When were the homes in Springhead Lakes 40S built?
Who is the best real estate agent for Springhead Lakes 40S?
How do I find a top St Cloud real estate agent who knows Springhead Lakes 40S?
Can Momentum Realty connect me with an agent for Springhead Lakes 40S?
Where is Springhead Lakes 40S, and what county is it in?
Is Springhead Lakes 40S in a flood zone?
Is Springhead Lakes 40S a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 28, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2026 (19 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. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how Springhead Lakes 40S fits the bigger picture — live prices, inventory, and Momentum Scores:
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