St Cloud 2Nd Town
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of September 2026, St Cloud 2Nd Town Of in St Cloud, FL has 24 homes for sale and 6 pending, asking from $179,450 to $379,000 (median $289,950). Over the 12 months ending 2026-09-20, 88 recorded sales closed at a median of $299,500, $231 per square foot, a median 21 days on market, sellers accepting 97% of original asking (+5% versus the prior year). Homes listed or recently sold were built 1908–2017; 30 listings state no HOA; 1 of the 33 geocoded homes sit in a FEMA special flood hazard zone (median elevation 71 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $4,560 ($3,960 with the full homestead exemption).
| Location | St Cloud, Osceola County, FL · ZIP 34769, 34771 |
|---|---|
| Homes in the community | 1,238 (FL DOR 2025 assessment roll) |
| Years built | 1908–2024 (median 1971.0) |
| Typical living area | 1,478 sq ft (median) |
| Home types (current listings and sales) | single-family 98% |
| Amenities listed by sellers | Playground, Park, None, Golf Carts OK, Pool, Racquetball |
| Sale prices, last 12 months | $299,500 median across 88 closed sales · $231 per sq ft · +5.1% vs the prior 12 months |
| Days on market (closed sales) | 21 median |
| For sale right now | 27 active, 7 pending · median asking $285,000 · 3.3 months of supply |
| Owner-occupied (homestead) share | 62% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2024 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 Of key facts,” movewithmomentum.com/neighborhoods/st-cloud-2nd-town-of, data as of September 20, 2026.
Last 30 days in St Cloud 2Nd Town: 9 new listings (median asking $290,000), 6 under contract right now, 9 closed sales (median $290,000). As of September 27, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
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 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Tap any home to ask about it.
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.
St Cloud 2Nd Town right now
🟡 Balanced market. 3.3 months of supply and 21% 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 September 20, 2026. Confidence: Very High (34 active and pending listings, 88 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($300K) is up 5.1% from the prior 12 months ($285K).Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: Very High (88 and 120 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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 September 20, 2026): the median sale price is about $300K ($231 per sq ft over the trailing 12 months of closed sales), a median 22 days on market for closed sales, and 3.3 months of supply, a balanced market. The trailing-12-month median is up 5% from the prior 12 months, computed from record-level Stellar MLS closed sales (88 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 3.9 months — a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
County records show 90 qualified sales in St Cloud 2Nd Town across 2024–2025 (58 in 2024, 32 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 29 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 1,238 homes in St Cloud, Osceola County, built between 1908 and 2024 (median 1971.0), with a median living area of about 1,478 square feet. 62% 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.
The setting & the homes.
Aerial and on-site photos of St Cloud 2Nd Town. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in St Cloud 2Nd Town; content deemed reliable but not guaranteed.
Who St Cloud 2Nd Town is best for.
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
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($300K) IS the median in the snapshot above, and the move from 2025 ($285K) IS the +5.1% one-year change.
Windows contain 53 to 120 sales each (88 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Deemed reliable but not guaranteed.
20% of homes for sale in St Cloud 2Nd Town 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 (2026-09-27).
St Cloud 2Nd Town Of Market Scorecard
St Cloud 2Nd Town Of is currently a seller's market. About 3.0 months of supply, a median asking price of $290,000, and homes go under contract in about 54 days.
Typical home value in the 34769 ZIP is $313,745, about 7.6% above 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.
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.
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.
St Cloud 2Nd Town 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.
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 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.
Shop the zone: Homes zoned for St. Cloud High School
The St Cloud 2Nd Town buying strategy.
If we were buying in St Cloud 2Nd Town 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 St Cloud 2Nd Town.
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.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in St Cloud 2Nd Town 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 (7.1). Basis: Recent Direction +5.1% year-over-year; Liquidity & Demand 3.3 months of supply; Owner Commitment 62% owner-occupied; Pricing Power 97.0% 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.
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 St Cloud 2Nd Town 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 St Cloud 2Nd Town sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Cloud 2Nd Town, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
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 →
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. 20 on record.
- 1115 Vermont Avenue · off market
- 1200 Connecticut Avenue · off market
- 1418 Massachussetts Avenue · off market
- 1423 Louisiana Avenue · off market
- 1517 Missouri · off market
- 1623 12Th Street · off market
- 2112 9Th Street · off market
- 213 New York Avenue · off market
Frequently Asked Questions
What is the median home price in St Cloud 2Nd Town?
How long do homes in St Cloud 2Nd Town take to sell?
Is St Cloud 2Nd Town a buyer's or seller's market right now?
How many homes are in St Cloud 2Nd Town?
What share of St Cloud 2Nd Town is owner-occupied?
When were the homes in St Cloud 2Nd Town built?
Who is the best real estate agent for St Cloud 2Nd Town?
How do I find a top St Cloud real estate agent who knows St Cloud 2Nd Town?
Can Momentum Realty connect me with an agent for St Cloud 2Nd Town?
Where is St Cloud 2Nd Town, and what county is it in?
Is St Cloud 2Nd Town in a flood zone?
Is St Cloud 2Nd Town a good place to live?
Should you buy in St Cloud 2Nd Town?
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: September 26, 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 (10 streets, ZIP 34769/34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2024 (261 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.
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See how St Cloud 2Nd Town Of fits the bigger picture — live prices, inventory, and Momentum Scores:
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