the Gardens
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, The Gardens in St Cloud, FL has 1 home for sale. The Gardens is a community in St Cloud, Osceola County, FL. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 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).
The market around the Gardens
the Gardens is too small for its own price trend, so here is the market around it.
Across Osceola County, 4,437 homes are active and 1,077 pending (20% under contract).
ZIP and county figures describe the wider market, not the Gardens specifically. Momentum Research analysis of MLS records.
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.
21% of homes for sale in ZIP 34769 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 (2026-09-25).
THE GARDENS Market Scorecard
THE GARDENS is currently a thin data market. Limited supply, a median asking price of $329,000, and homes go under contract in about 88 days.
Typical home value in the 34769 ZIP is $318,664, about 8.6% above 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.
Homes For Sale Right Now in the Gardens
Live MLS inventory for the Gardens. 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 the Gardens listings as of 2026-09-16, priced high to low. Based on Stellar MLS data distributed by MLS GRID. Tap any home to ask about it.
Every Home for Sale in The Gardens St Cloud Right Now (1)
All 1 active and pending The Gardens St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3102 Garden Court · $329,000 · 3 bd / 2 ba · listed Jun 29, 2026 · listed by Lpt Realty, Llc
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Lakeview Elem (K 5) · Elementary
- St. Cloud Middle (6-8) · Middle
- St. Cloud High School · High
Zoned schools reflect the assignments reported on recent the Gardens 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 the Gardens address.
Shop the zone: Homes zoned for St. Cloud High School
The the Gardens buying strategy.
If we were buying in the Gardens 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 the Gardens.
The location and the amenities are priced into every listing in the Gardens. The deal is won or lost on condition, the comps, and the renovation math.
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 the Gardens 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 the Gardens sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in the Gardens, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your the Gardens home worth?
Get a no-obligation home value based on real comparable sales in the Gardens, 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 the Gardens on the map →
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 16, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-12 |
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 local 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.
See how The Gardens fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about the Gardens
Where is the Gardens?
the Gardens is a community in ST CLOUD, Osceola County, Florida.
Are there homes for sale in the Gardens right now?
Yes - 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does the Gardens have an HOA or CDD?
No HOA is on record for the Gardens 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 the Gardens with Momentum Realty’s local guides.