Sweetwater Creek
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 2 closed sales in Sweetwater Creek Un 5 in St Cloud, FL since 2017, the most recent in June 2026. Across St Cloud as a whole, 2,190 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 597 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,320 ($5,720 with the full homestead exemption).
Sweetwater Creek Un 5 is a small, contained pocket — 57 homes total — so pricing here moves on condition and lot specifics more than on broad market swings. With a median year built of 2002 but a build range stretching to 2016, you're looking at an older core with some later infill, which means finishes and mechanical age vary more than the address alone would suggest.
The homestead share sitting near 79% tells you most owners here have filed for the exemption, a signal of longer-term occupancy rather than a rotating rental or investor base. For a buyer, that usually means fewer forced-sale situations and a market that doesn't get flooded with inventory at once. For a seller, it means your comp set is thin — pay close attention to what's actually active and pending rather than assuming a neighborhood-wide trend.
Nearby homes for sale
No active listings inside Sweetwater Crk Un 5 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
This is a compact section of St Cloud's Sweetwater Creek development, built out mostly in the early 2000s with homes trickling in as late as 2016, giving it a settled feel without being a single uniform build phase.
Stellar MLS sales records identify 136 homes in Sweetwater Creek that have changed hands since 2004, built between 1997 and 2003 (median 2001), with a median living area of about 1,796 sq ft and a typical 3-bedroom, 2-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 Sweetwater Creek is best for.
Best for
- Buyers who want a mid-size home (roughly 2,000-2,300 sqft) in an established St Cloud section
- Buyers comfortable evaluating homes individually on condition and updates rather than relying on a uniform build era
- Buyers prioritizing a settled, lower-turnover pocket over resort-style shared amenities
Probably not for
- Buyers who want guaranteed access to a community pool, clubhouse, or recreational amenities
- Buyers who want a single consistent construction vintage across the entire subdivision
- Investors expecting a high volume of comparable recent sales to model pricing off of
The market around Sweetwater Creek
Sweetwater Creek is too small for its own price trend, so here is the market around it.
In ZIP 34772, 496 homes are on the market and 26% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34772 (St Cloud), 1,998 homes closed in the last 12 months at a median of $411K ($203/sq ft), down 0.8% year over year, with a median 44 days on market. Right now 328 active and 152 pending listings put supply at about 3.7 months — a healthy market. See the live ZIP 34772 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Sweetwater Creek specifically. Momentum Research analysis of MLS records.
The Sweetwater Creek buying strategy.
If we were buying in Sweetwater Creek 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 Sweetwater Creek.
A small, mixed-vintage pocket
At 57 homes, Unit 5 is one of the smaller filings within Sweetwater Creek, and its build timeline reflects that — a median year built of 2002 anchors it as an early-2000s section, but construction continued in stages out to 2016. That spread matters practically: two homes on the same street may differ meaningfully in roof age, systems, and layout even though they share a subdivision name.
Typical living space runs around 2,176 square feet, which puts homes here in a mid-size range suited to buyers who want room to spread out without managing a larger footprint. Current MLS listings don't identify any shared community amenities, so whatever draws you to this section is likely the location and the home itself rather than a clubhouse, pool, or recreational package — worth confirming directly if amenities matter to your search.
The location and the amenities are priced into every listing in Sweetwater Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a section this small, the comps that matter are the two or three homes that have actually transacted recently, not a generic neighborhood average — we track those closely and can tell you which nearby sales are genuinely comparable to a specific property versus which ones just share a zip code.
Sweetwater Creek 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 Sweetwater Creek 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 Sweetwater Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Sweetwater Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Sweetwater Creek home worth?
Get a no-obligation home value based on real comparable sales in Sweetwater Creek, 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 Sweetwater Creek on the map →
Should you buy in Sweetwater Creek?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Sweetwater Creek with Momentum Realty’s local guides.
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 2017 (2 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 Sweetwater Creek Un 5 fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Sweetwater Creek
Where is Sweetwater Creek?
Sweetwater Creek is a community in St Cloud, Osceola County, Florida, ZIP 34772.
Are there homes for sale in Sweetwater Creek right now?
No active listings inside Sweetwater Creek at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.
Does Sweetwater Creek have an HOA or CDD?
No HOA is on record for Sweetwater Creek 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.
Sweetwater Crk Un 5 Market Scorecard
Sweetwater Crk Un 5 is currently a no active listings market. Limited supply, a median asking price of n/a.
Typical home value in the 34772 ZIP is $398,990, about 8.0% 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.