St Cloud Reserve
Homes for Sale in Valrico, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of September 2026, the MLS records 15 closed sales in St Cloud Reserve in Valrico, FL since 2006, the most recent in June 2026. Across Valrico as a whole, 445 homes closed in the last 12 months at a median of $415,000, 34 median days on market, with 73 homes for sale today. At that median and Hillsborough County's FY2025-26 rate of 15.73 mills, annual property tax runs about $6,530 ($5,900 with the full homestead exemption).
St Cloud Reserve is a small pocket within Valrico, in Hillsborough County, and the honest starting point is that the recent data here is thin. With only a single closing in the window we are working from, there is no reliable median or trend to anchor a price story yet. What sets value in a community this small is almost always the individual home — its condition, its lot, its updates — more than any neighborhood-wide number.
For a buyer, that means comps have to be pulled carefully and often from beyond the community line; do not assume one sale defines the market. For a seller, it cuts both ways: a single data point gives you little cover to price against, so pricing has to lean on condition and on the broader Valrico market rather than on internal history.
Nearby homes for sale
No active listings inside St Cloud Reserve right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
St Cloud Reserve is a compact residential community in Valrico, on the eastern side of Hillsborough County. It reads as a low-turnover pocket, so the story here is driven by the individual home rather than by neighborhood-wide numbers.
Stellar MLS sales records identify 22 homes in St Cloud Reserve that have changed hands since 2006, built between 2001 and 2003 (median 2002), with a median living area of about 2,764 sq ft and a typical 4-bedroom, 3-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who St Cloud Reserve is best for.
Best for
- Buyers seeking a low-turnover Valrico address and willing to wait for the right home
- Buyers who will evaluate a property on condition and lot rather than on neighborhood averages
- Long-hold buyers comfortable with limited internal comps and a patient search
Probably not for
- Buyers who want a large selection of active listings to compare at once
- Buyers who rely on published neighborhood price trends to make a decision
- Sellers expecting deep internal comps to justify an aggressive asking price
The market around St Cloud Reserve
St Cloud Reserve is too small for its own price trend, so here is the market around it.
In ZIP 33594, 143 homes are on the market and 27% are under contract — a steady corner of Valrico.
Across Hillsborough County, 6,274 homes are active and 1,939 pending (24% under contract).
In ZIP 33594 (Valrico), 580 homes closed in the last 12 months at a median of $410K ($216/sq ft), down 2.7% year over year, with a median 35 days on market. Right now 70 active and 40 pending listings put supply at about 2.8 months — a healthy market. See the live ZIP 33594 housing market and the Hillsborough County market.
ZIP and county figures describe the wider market, not St Cloud Reserve specifically. Momentum Research analysis of MLS records.
The St Cloud Reserve buying strategy.
If we were buying in St Cloud Reserve 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 Reserve.
A thin-data pocket in eastern Hillsborough
Valrico sits in the eastern reach of the Tampa metro, and St Cloud Reserve is one of the smaller communities within it. When sales are sparse, the usual dashboard metrics — median price, days on market, absorption — lose their meaning, because a single transaction can swing them wildly. That is not a knock on the community; it is a reason to treat any headline figure with skepticism.
The practical read: pricing and negotiating here depend on hands-on comp work, including nearby Valrico neighborhoods with more activity, and on a clear-eyed look at the specific home. Condition, updates, and lot are the levers that actually move value in a pocket this quiet, and both sides benefit from patience rather than reacting to one recent sale.
The location and the amenities are priced into every listing in St Cloud Reserve. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a low-turnover pocket like St Cloud Reserve, the number on a portal will not tell you much. We build the picture the hard way — pulling comps from the surrounding Valrico market, weighing each home on its own condition and lot, and telling you plainly when the available data cannot support a confident price. That candor is worth more here than any tidy statistic.
St Cloud Reserve 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 Reserve 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 Reserve 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 Reserve, 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 Reserve home worth?
Get a no-obligation home value based on real comparable sales in St Cloud Reserve, 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 all homes for sale in Valrico →
Should you buy in St Cloud Reserve?
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 13, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2006 (15 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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See how St Cloud Reserve fits the bigger picture — live prices, inventory, and Momentum Scores:
Schools serving nearby communities
We do not have a confirmed school assignment for St Cloud Reserve. These are the public schools most often assigned to other communities in ZIP 33594; zones change and vary by address, so confirm with the district before you buy.
- Mulrennan Middle School · Middle · FLDOE grade A (assigned to 3 nearby communities)
- Buckhorn Elementary School · Elementary · FLDOE grade A (assigned to 2 nearby communities)
- Durant High School · High · FLDOE grade A (assigned to 2 nearby communities)
- Newsome High cluster per local guides · Cluster (assigned to 2 nearby communities)
- Bloomingdale High School · Public · FLDOE grade A (assigned to 2 nearby communities)
Assignments from district data for neighboring communities; grades are official Florida Department of Education school grades (2025-26).
Common questions about St Cloud Reserve
Where is St Cloud Reserve?
St Cloud Reserve is a community in Valrico, Hillsborough County, Florida, ZIP 33594.
Are there homes for sale in St Cloud Reserve right now?
No active listings inside St Cloud Reserve at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does St Cloud Reserve have an HOA or CDD?
No HOA is on record for St Cloud Reserve in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.
Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.
Nearby Communities
Explore more neighborhoods near St Cloud Reserve with Momentum Realty’s local guides.
St Cloud Reserve Market Scorecard
St Cloud Reserve is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 33594 ZIP is $371,684, about 19.0% 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.