St Cloud 2Nd Town in St Cloud

St Cloud 2Nd Town
Homes for Sale in St Cloud, FL

Community in St Cloud · Osceola County · ZIP 34769
1,723 homesBuilt through 2024Median sale $286K
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Photo via Stellar MLS

Built fromLive Stellar MLS data1 years of closingsFL DOR public recordsUpdated twice daily

As of November 2026, St Cloud 2Nd Town Of in St Cloud, FL has 30 homes for sale and 11 pending, asking from $149,500 to $490,000 (median $307,400). Over the 12 months ending 2026-11-06, 34 recorded sales closed at a median of $285,500, $224 per square foot, a median 33 days on market, sellers accepting 96% of original asking. Homes listed or recently sold were built 1909–2017; 41 listings state no HOA; 1 of the 51 geocoded homes sit in a FEMA special flood hazard zone (median elevation 72 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $4,350 ($3,750 with the full homestead exemption).

Last 30 days in St Cloud 2Nd Town: 12 new listings (median asking $307,500), 11 under contract right now, 6 closed sales (median $280,000). As of November 7, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.

Live · St Cloud 2Nd Town Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Price
$286K ▲
Median sold · 12 mo
up 9.9% vs the prior 12 months
+9.9% ▲
1-yr price change
n = 34 and 3 sales in the two windows
$224/sf
Sold $/sqft · 12 mo
peak $313 in 2025
95.7%
Sale vs ask
Tempo
10.2mo
Supply
3 to 6 months is the balanced band
34days
Median DOM · closed
34 days at the 2026 low
29%
Under contract
Osceola: 17% (963 of 5,530)
29 · 12
For sale · pending
live counts, refreshed twice daily
34
Sold · last 12 mo
10-yr average: about 19 a year
Ownership and context
61%
Owner-occupied · St Cloud 2Nd Town
1058 of 1728 parcels homesteaded (FL DOR 2025)
39%
Non-owner-occupied · St Cloud 2Nd Town
incl. 12% trust or LLC-held · 8% out-of-state
1,723
Homes in the community
plus 5 vacant residential lots · 1728 residential parcels (FL DOR 2025)
Track record · 1 years of records
136
Recorded sales · 2024-2025
median $280K · qualified sales on the county roll (FL DOR 2025)
1963
Median year built
county roll (FL DOR 2025)
1,298sqft
Median sold home size
12-mo windows, closed sales
2.0%/yr
Turnover rate
about 34 of 1723 homes trade a year

Homes For Sale Right Now in St Cloud 2Nd Town

Live MLS inventory for St Cloud 2Nd Town. 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 St Cloud 2Nd Town listings as of 2026-11-06, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Tap any home to ask about it.

Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written July 13, 2026

Price here is driven by condition and vintage, not by a uniform product. With a median year built of 1971 and a stock that stretches from 1900 all the way to 2024, two homes a block apart can be worlds apart in systems, layout, and finish. The median sits at $297,000, but treat that as a midpoint across a very wide range of ages and conditions rather than a reliable expectation for any single house.

The market posture is balanced and steady. A median of about 26 days on market and a year-over-year change of essentially flat, down 1%, tells you this isn't a runaway market in either direction. Sellers who price to condition move in a reasonable window; buyers have time to inspect carefully without the pressure of a frenzy. The under-two-thirds homestead share signals a meaningful mix of owner-occupants and non-primary owners.

Figures in this note are as of July 13, 2026. The live market numbers elsewhere on this page update nightly and are newer.

St Cloud 2Nd Town Housing Pulse · Momentum Research · as of November 6, 2026

St Cloud 2Nd Town right now

🟢 Buyer-leaning market. 10.2 months of supply and 29% 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 November 6, 2026. Confidence: Very High (41 active and pending listings, 34 closed sales in 12 months).

🟢 Still climbing. The trailing-12-month median ($286K) is up 9.9% from the prior 12 months ($260K). With about 18 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 November 6. Confidence: Low (34 and 3 sales in the two windows).

Jump to: Price history & scorecard · Homes for sale · Schools · FAQ

· Updated November 8, 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

St Cloud 2Nd Town market snapshot (as of November 6, 2026): the median sale price is about $286K ($224 per sq ft over the trailing 12 months of closed sales), a median 34 days on market for closed sales, and 10.2 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 (34 closings in the current window).

In ZIP 34769 (St Cloud), 230 homes closed in the last 12 months at a median of $375K ($196/sq ft), up 0.2% year over year, with a median 64 days on market. Right now 71 active and 27 pending listings put supply at about 3.7 months — a balanced market. See the live ZIP 34769 housing market and the Osceola County market.

County records show 136 qualified sales in St Cloud 2Nd Town across 2024–2025 (82 in 2024, 54 in 2025), median $280,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.

Flood zones in St. Cloud 2nd Town: of 38 listing addresses checked against the FEMA National Flood Hazard Layer, 97% sit outside the FEMA Special Flood Hazard Area (Zone X); 3% 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.

St Cloud 2Nd Town is a community of 1,723 homes in St Cloud, Osceola County, built between 1900 and 2024 (median 1963.0), with a median living area of about 1,463 square feet. 61% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).

St Cloud 2Nd Town Of is one of Osceola County's older cores, a roughly 3,846-home pocket where century-old houses sit alongside new construction, so the real story is condition and vintage rather than any single headline number.

Best for

  • Buyers targeting the mid-$290s who want a modestly sized home and will inspect for age carefully
  • Renovation-minded buyers comfortable underwriting an older house on its own condition
  • Value-focused buyers who want an established core with steady turnover rather than a hot market

Probably not for

  • Buyers who require new construction and consistent, modern finishes throughout
  • Buyers wanting large floor plans well above the roughly 1,476-square-foot median
  • Buyers expecting rapid appreciation or a fast, competition-driven flip

Windows contain 3 to 34 sales each (34 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Deemed reliable but not guaranteed.

Every sale since 2025 · price vs size
$0$200K$400K1k2k
37 closed sales; green = recent. Size sets the floor, condition and lot set the rest.

St Cloud 2Nd Town Of Market Scorecard

Seller's market

St Cloud 2Nd Town Of is currently a seller's market. About 3.8 months of supply, a median asking price of $307,400, and homes go under contract in about 56 days.

3.8
Months supply
$307,400
Median list
$289,500
Median sold
$245
Per sqft
56
Days on mkt
30/11/95
Active/Pend/Sold

Typical home value in the 34769 ZIP is $312,752, about 2.1% 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.

Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.

Schools

In short
  • 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 St Cloud 2Nd Town 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 St Cloud 2Nd Town address.

If we were buying in St Cloud 2Nd Town today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

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.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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 St Cloud 2Nd Town.

Best Buy
Buyers who want an older core with genuine variety in age and condition.
Biggest Risk
Age-driven surprises in systems and structure vary house to house.
Sweet Spot
A well-updated home near the $297,000 median that has already addressed its age.
Avoid If
You need uniform, newer product with predictable finishes.

A market where vintage sets the terms

The defining trait is age spread. A median build year of 1971 with a range from 1900 to 2024 means you are shopping across generations of construction in the same community. Expect to weigh original systems, prior renovations, and true new builds against one another, and expect the median living area of about 1,476 square feet to describe a modest, walkable-scale home rather than a sprawling floor plan. The median price per square foot of roughly $239 reflects that mix.

Pace is orderly. With 96 closings in the window and a median around 26 days on market, there is real transaction volume and enough turnover to establish comparables, but nothing about the flat year-over-year reading suggests urgency. That favors a disciplined buyer willing to underwrite each home on its own merits, and a seller who invests in presentation and prices to the property's actual condition.

“

The location and the amenities are priced into every listing in St Cloud 2Nd Town. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty
5.4C · Buy Score
Recent Direction8.5/10
Liquidity & Demand0.0/10
Owner Commitment6.1/10
Pricing Power7.2/10

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 (5.4). Basis: Recent Direction +9.9% year-over-year; Liquidity & Demand 10.2 months of supply; Owner Commitment 61% owner-occupied; Pricing Power 95.7% sale-to-list. Refreshed with each data update.

Why work with Momentum here

In a community this varied by age and condition, the median tells you almost nothing about the house in front of you. We read each property against the right comparables, flag where a 1971 median vintage means aging systems worth a closer inspection, and separate cosmetic updates from structural ones so you pay for what's actually there. In a balanced, roughly-four-week market, that discipline is where the value is won or lost.

St Cloud 2Nd Town in 15 seconds.

Best forBuyers who want an older core with genuine variety in age and condition.
Biggest advantageA wide vintage spread from 1900 to 2024 means real choice at a single median.
Biggest riskAge-driven surprises in systems and structure vary house to house.
Sweet spotA well-updated home near the $297,000 median that has already addressed its age.
Avoid ifYou need uniform, newer product with predictable finishes.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed St Cloud 2Nd Town sales matched to your home.

What is your St Cloud 2Nd Town home worth?

Get a no-obligation home value based on real comparable sales in St Cloud 2Nd Town, 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 St Cloud 2Nd Town on the map →

Real comps, not an automated estimate.

Recently off market in St Cloud 2Nd Town Of

Homes in St Cloud 2Nd Town Of 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. 25 on record.

St Cloud 2Nd Town key facts
LocationSt Cloud, Osceola County, FL · ZIP 34769
Homes in the community1,723 (FL DOR 2025 assessment roll)
Years built1900–2024 (median 1963.0)
Typical living area1,463 sq ft (median)
Home types (current listings and sales)single-family 98%
Amenities listed by sellersPlayground, Park, None, Golf Carts OK, Racquetball, Restaurant
Sale prices, last 12 months$285,500 median across 34 closed sales · $224 per sq ft · +9.9% vs the prior 12 months
Days on market (closed sales)33 median
For sale right now29 active, 12 pending · median asking $314,800 · 10.2 months of supply
Owner-occupied (homestead) share61%

Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “St Cloud 2Nd Town key facts,” movewithmomentum.com/neighborhoods/st-cloud-2nd-town-of, data as of November 6, 2026.

Housing distress & ownership in St Cloud 2Nd Town Of, St Cloud

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
9.09%
1 of 11 listings · short sale 1
Distress share trend — 9.09% now (2026-08-12 → 2026-11-06)

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 St Cloud 2Nd Town

The newest homes for sale in St Cloud 2Nd Town right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.

Checked against the MLS nightly. All new listings in this market.

Every Home for Sale in St Cloud 2Nd Town Of Right Now (40)

All 40 active and pending St Cloud 2Nd Town Of listings with a detail page, newest first, refreshed twice a day from the MLS.

Streets in this community

Street-level pages: every home on record, what sold and what is for sale on each street.

Recent Developments in St Cloud 2nd Town Of

Development, infrastructure, retail, and school activity affecting St Cloud 2nd Town Of, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.

  1. October 2026
    Parks & Amenities

    145,000 sq ft All Sports Dome planned on Gus Road in Kissimmee

    All Sports Dome Southeast plans a climate-controlled indoor inflatable dome at 3070 Gus Road with multi-sport courts, turf fields and training areas. It would be the brand's first Greater Orlando location, with an opening expected in 2027 and no exact date given.

    What it may mean for the marketAn indoor sports venue would add year-round recreation and event space on Kissimmee's Gus Road area. The project is about 12 miles northwest of St Cloud 2nd Town Of, elsewhere in Osceola County.

    Source: What Now Orlando
  2. October 2026
    Infrastructure

    Turnpike widening in Osceola County runs ahead of schedule at Fortune Road Bridge

    Steel beams for the new westbound Fortune Road Bridge are in place a month early as Florida's Turnpike is widened from two to four lanes each way between Partin Settlement Road and Osceola Parkway. Westbound bridge traffic is expected at the start of 2027, and the broader project targets 2031. The bridge adds bike lanes and sidewalks.

    What it may mean for the marketDoubling Turnpike capacity through this stretch should ease regional commutes between Kissimmee and the Orlando area once complete. The project is about 11 miles northwest of St Cloud 2nd Town Of, elsewhere in Osceola County.

    Source: WFTV
  3. October 2026
    Development

    Experience Kissimmee launches Film Kissimmee commission to recruit productions

    The new film commission markets Osceola County to production companies through an online database of more than 100 filming locations and has hired a location manager. Leaders say productions could become a new economic driver, citing spending on hotels, vehicles, food and crew services.

    What it may mean for the marketFilm work could add temporary jobs and visitor spending for hospitality and service businesses across Osceola County. The site is about 11 miles northwest of St Cloud 2nd Town Of.

    Source: WFTV
  4. September 2026
    Infrastructure

    CFX holds public meetings on 14-mile toll road through part of Split Oak Forest

    The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.

    What it may mean for the marketIf built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The project is about 16 miles north of St Cloud 2nd Town Of, elsewhere in Osceola County.

    Source: Spectrum News 13
  5. August 2026
    Civic

    St. Cloud council approves $6.7 million downtown apartment and parking garage agreement

    The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.

    What it may mean for the marketNew downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The site is about 6 miles north of St Cloud 2nd Town Of.

    Source: Spectrum News 13

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Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

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Ask an agent about St Cloud 2Nd Town

Have a question about the homes, fees, rules or commute here? A Momentum agent who works St Cloud 2Nd Town will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

What is the median home price in St Cloud 2Nd Town?
The median sale price in St Cloud 2Nd Town was $286K over the 12 months ending November 6, 2026 (34 closed sales, Stellar MLS).
How long do homes in St Cloud 2Nd Town take to sell?
Homes that closed in the 12 months ending November 6, 2026 took a median 34 days on market (34 sales, Stellar MLS).
Is St Cloud 2Nd Town a buyer's or seller's market right now?
As of November 6, 2026, St Cloud 2Nd Town leans toward buyers: 10.2 months of supply at the current sales pace (Stellar MLS live counts).
How many homes are in St Cloud 2Nd Town?
The Florida DOR 2025 assessment roll shows 1,723 homes plus 5 vacant residential lots in St Cloud 2Nd Town (public records).
What share of St Cloud 2Nd Town is owner-occupied?
61% of St Cloud 2Nd Town parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in St Cloud 2Nd Town built?
Homes in St Cloud 2Nd Town were built between 1900 and 2024, with a median year built of 1963.0 (FL DOR 2025 roll).
Who is the best real estate agent for St Cloud 2Nd Town?
The best agent for St Cloud 2Nd Town is one who actively works St Cloud and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for St Cloud 2Nd Town.
How do I find a top St Cloud real estate agent who knows St Cloud 2Nd Town?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows St Cloud 2Nd Town and the wider St Cloud area.
Can Momentum Realty connect me with an agent for St Cloud 2Nd Town?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your St Cloud 2Nd Town purchase or sale - no call center and no pressure.
Where is St Cloud 2Nd Town, and what county is it in?
St Cloud 2Nd Town is in St Cloud, Osceola County, FL, ZIP 34769. The community's center is about 7 miles north of the center of St Cloud (straight-line).
Is St Cloud 2Nd Town in a flood zone?
Partly. Of 38 homes we sampled in St Cloud 2Nd Town, 97% sit outside a FEMA Special Flood Hazard Area (Zone X) and 3% are inside one (Zone A or AE), where a lender requires flood insurance. Flood zones are drawn parcel by parcel, so check the exact address on FEMA's flood map before you close; the flood section on this page shows the community's mix.
Is St Cloud 2Nd Town a good place to live?
That depends on your budget, commute and what you want in a home, so here is what the data says about St Cloud 2Nd Town: the median sale price over the last 12 months was $286K (34 sales), 30% below the St Cloud median of $410K; homes took a median 34 days to go under contract; the assessment roll counts 1,723 homes, 61% of them homesteaded (owner-occupied); supply is 10.2 months at the current sales pace, which favors buyers. The full numbers, price history and the flood and school sections are above.
Buyers targeting the mid-$290s who want a modestly sized home and will inspect for age carefullyExcellent fit
Renovation-minded buyers comfortable underwriting an older house on its own conditionExcellent fit
Value-focused buyers who want an established core with steady turnover rather than a hot marketExcellent fit
Buyers who require new construction and consistent, modern finishes throughoutProbably not
Buyers wanting large floor plans well above the roughly 1,476-square-foot medianProbably not
Buyers expecting rapid appreciation or a fast, competition-driven flipProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: November 6, 2026)
Community market statsStellar MLS closed sales, 12-month windows ending November 6, 2026
Housing stock & ownershipFlorida DOR assessment roll (street-list match (15 streets, ZIP 34769))
Under-contract sharesStellar MLS records, as of 2026-11-06
Historical depthClosed-sale records back to 2025 (37 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.

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CallFree valuation →
Thinking of selling in St Cloud 2Nd Town Of? 34 recorded closings; median 33 days on market (window ending 2026-11-06). See the Osceola County sell-now-or-wait data, what made 201,552 Florida listings fail in the last 12 months, or compare a cash offer vs. listing. Compiled from MLS records; deemed reliable but not guaranteed.

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