Terra Vista
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Terra Vista in St Cloud, FL has 1 home for sale. Homes listed or recently sold were built 2016 - 2017; 5 of 5 report an HOA (median $72/mo); none of the 5 geocoded homes sit in a FEMA special flood hazard zone (median elevation 71 ft).
Terra Vista is a small, tightly built pocket of St Cloud - 76 homes total, all constructed within a narrow five-year window from 2015 to 2019. That consistency in age and construction era means less variation in systems, finishes, and layout than you find in older or more sprawling communities, which simplifies comparisons for buyers and keeps maintenance profiles fairly similar house to house.
With six months of supply and a balanced market designation, this is not a community swinging hard toward either buyers or sellers right now. What stands out more than pricing pressure is scarcity of choice: a single active listing at last count means anyone shopping here is working with almost no inventory to compare against. That changes the calculus - timing and readiness to act matter more than negotiating leverage when there is effectively one option on the table.
Terra Vista right now
🟡 Balanced market. 6.0 months of supply and 50% 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 July 15, 2026. Confidence: Low (2 active and pending listings, 0 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated July 15, 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
Terra Vista is a compact, newer-construction community in Osceola County, built out entirely between 2015 and 2019 with a median build year of 2017 and a typical home size around 2,578 square feet.
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 Terra Vista is best for.
Best for
- Buyers seeking newer-construction homes (built 2015-2019) without an older-stock mix
- Buyers who want a larger living footprint near the 2,578 sqft median
- Buyers comfortable moving quickly given a thin, single-listing inventory
Probably not for
- Buyers who want a guaranteed clubhouse, pool, or other listed community amenity
- Buyers who need multiple active listings to compare before deciding
- Buyers expecting frequent turnover or a fast-moving resale pipeline
The market around Terra Vista
Terra Vista is too small for its own price trend, so here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
ZIP and county figures describe the wider market, not Terra Vista specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Terra Vista, 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 August 2026 through August 2026. Deemed reliable but not guaranteed.
Homes For Sale Right Now in Terra Vista
Live MLS inventory for Terra Vista. 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 Terra Vista listings as of 2026-09-02, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
Terra Vista 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 contributors.
The Terra Vista buying strategy.
If we were buying in Terra Vista 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 Terra Vista.
A small footprint, a narrow build window
At 76 total homes, Terra Vista is not a large subdivision, and its entire build-out happened inside a five-year span. That gives the community a coherent, relatively modern housing stock - homes here are not competing against decades-old construction with mismatched eras of systems and design. The median living area of roughly 2,578 square feet points to homes sized for more than starter-level living, without any data here suggesting a spread toward smaller or larger footprints beyond that midpoint.
Roughly 80% of homes carry a homestead designation, which typically signals a market with a strong owner-occupied base rather than heavy investor or rental turnover. Combined with only one active listing against six months of supply, this reads as a community where homes do not change hands constantly - when something does list, it tends to be an event rather than a routine occurrence. No community amenities are identified from current MLS listings, so anyone drawn here should evaluate the community on the homes and location themselves rather than assuming a clubhouse, pool, or similar shared amenity is part of the package.
The location and the amenities are priced into every listing in Terra Vista. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a community with only one active listing and 76 homes total, most of the relevant activity happens off the current for-sale list - through owners considering a move, estate situations, or homes not yet on the market. We track Terra Vista closely enough to know when something is about to surface and can help you build a realistic view of comparable homes even when the public inventory looks thin.
Terra Vista 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 Terra Vista 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 Terra Vista sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Terra Vista, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Terra Vista home worth?
Get a no-obligation home value based on real comparable sales in Terra Vista, 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 Terra Vista on the map →
The real cost & risk here
Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.
Check it for your address: look up your flood zone (FEMA) · insurance by county · true-cost calculator · Osceola County scorecard.
County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.
TERRA VISTA Market Scorecard
TERRA VISTA is currently a seller's market. About 3.0 months of supply, a median asking price of $695,500, and homes go under contract in about 76 days.
Typical home value in the 34771 ZIP is $436,543, about 13.8% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
Is Terra Vista a buyer's or seller's market right now?
How many homes are in Terra Vista?
What share of Terra Vista is owner-occupied?
When were the homes in Terra Vista built?
Who is the best real estate agent for Terra Vista?
How do I find a top ST CLOUD real estate agent who knows Terra Vista?
Can Momentum Realty connect me with an agent for Terra Vista?
Should you buy in Terra Vista?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Terra Vista with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
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 your area comps.
Looking to buy here? Search homes for sale →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
More St. Cloud & Kissimmee, St. Cloud & Osceola County guides
Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.
See how Terra Vista fits the bigger picture — live prices, inventory, and Momentum Scores: