The Reserve At Twin Lakes
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, The Reserve At Twin Lakes in St Cloud, FL has 7 homes for sale and 2 pending, asking from $379,990 to $475,000 (median $450,000). Over the 12 months ending 2026-09-20, 15 recorded sales closed at a median of $440,000 (+6% versus the prior year's median), $196 per square foot, a median 54 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 2023 - 2026 with 19 new construction; 20 of 21 report an HOA (median $76/mo); none of the 21 geocoded homes sit in a FEMA special flood hazard zone (median elevation 75 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,700 ($6,100 with the full homestead exemption).
Part of the Twin Lakes St Cloud master-planned community in St Cloud, FL — see all Twin Lakes St Cloud homes for sale (17 listings across 2 villages and sections in the MLS).
Last 30 days in The Reserve At Twin Lakes: 1 new listing (median asking $390,000), 1 under contract right now, 1 closed sale (median $446,000). As of November 7, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in The Reserve At Twin Lakes
Live MLS inventory for The Reserve At Twin Lakes. 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 · 16 daysTop listing
Active · 38 days
Active · 57 days
Active · 56 days
Active · 38 days
Active · 13 days
Active · 79 days
Pending · 61 days
Pending · 64 daysActive and pending The Reserve At Twin Lakes listings as of 2026-10-30, 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.
The Reserve At Twin Lakes right now
🟡 Balanced market. 4.9 months of supply and 30% 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: High (10 active and pending listings, 15 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($440K) is up 5.5% from the prior 12 months ($417K). With about 17 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 20. Confidence: High (15 and 25 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 6, 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
The Reserve At Twin Lakes market snapshot (as of September 20, 2026): the median sale price is about $440K ($196 per sq ft over the trailing 12 months of closed sales), a median 54 days on market for closed sales, and 4.9 months of supply, a balanced market. The trailing-12-month median is up 6% from the prior 12 months, computed from record-level Stellar MLS closed sales (15 closings in the current window).
In ZIP 34772 (St Cloud), 1,994 homes closed in the last 12 months at a median of $410K ($206/sq ft), down 1.0% year over year, with a median 43 days on market. Right now 321 active and 158 pending listings put supply at about 1.9 months - a healthy market. See the live ZIP 34772 housing market and the Osceola County market.
Stellar MLS sales records identify 62 homes in The Reserve At Twin Lakes that have changed hands since 2024, built between 2023 and 2026 (median 2025), with a median living area of about 1,988 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.
County records show 10 qualified sales in The Reserve At Twin Lakes across 2024 - 2025 (7 in 2024, 3 in 2025), median $447,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in The Reserve At Twin Lakes: of 16 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
The setting & the homes.
Aerial and on-site photos of The Reserve At Twin Lakes. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
The Reserve At Twin LakesThe Reserve At Twin LakesThe Reserve At Twin LakesThe Reserve At Twin LakesThe Reserve At Twin LakesThe Reserve At Twin LakesThe Reserve At Twin LakesThe Reserve At Twin LakesPhotos from Stellar MLS listings in The Reserve At Twin Lakes; content deemed reliable but not guaranteed.
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 ($440K) IS the median in the snapshot above, and the move from 2025 ($417K) IS the +5.5% one-year change.
Windows contain 11 to 25 sales each (15 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Deemed reliable but not guaranteed.
25% of homes for sale in ZIP 34772 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 (2026-11-07).
THE RESERVE AT TWIN LAKES Market Scorecard
THE RESERVE AT TWIN LAKES is currently a buyer's market. About 7.0 months of supply, a median asking price of $450,000, and homes go under contract in about 49 days.
Typical home value in the 34772 ZIP is $393,754, about 15.5% 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.
The Reserve At Twin Lakes 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.
Life at The Reserve At Twin Lakes
- Park · reported on 17 of 17 listings
- Pool · reported on 17 of 17 listings
- Playground · reported on 2 of 17 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Hickory Tree Elem · Elementary
- Harmony Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent The Reserve At Twin Lakes 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 Reserve At Twin Lakes address.
Shop the zone: Homes zoned for Harmony High High School
The The Reserve At Twin Lakes buying strategy.
If we were buying in The Reserve At Twin Lakes 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 Reserve At Twin Lakes.
A closer look at the The Reserve At Twin Lakes market
At a median of $196 per square foot, The Reserve At Twin Lakes prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 4.9 months of supply, a balanced market and the trailing-12-month median up 6% year over year. Homes that do trade take a median 54 days on market, useful leverage on any listing that has lingered.
The location and the amenities are priced into every listing in The Reserve At Twin Lakes. 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 The Reserve At Twin Lakes 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 (4.9). Basis: Recent Direction +5.5% year-over-year; Liquidity & Demand 4.9 months of supply; Owner Commitment 5% owner-occupied; Pricing Power 95.1% sale-to-list. Refreshed with each data update.
Tools for a The Reserve At Twin Lakes 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 Reserve At Twin Lakes sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in The Reserve At Twin Lakes, 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 Reserve At Twin Lakes home worth?
Get a no-obligation home value based on real comparable sales in The Reserve At Twin Lakes, 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 Reserve At Twin Lakes on the map →
Recently off market in The Reserve At Twin Lakes
Homes in The Reserve At Twin Lakes 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. 3 on record.
- 2867 Hornbill Drive · off market
- 2875 Hornbill Drive · off market
- 2899 Hornbill Drive · off market
| Location | St Cloud, Osceola County, FL · ZIP 34772 |
|---|---|
| Homes in the community | 12 (FL DOR 2025 assessment roll) |
| Years built | 2024–2024 (median 2024.0) |
| Typical living area | 2,247 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Park, Pool, Security System, Playground |
| Sale prices, last 12 months | $409,000 median across 5 closed sales · $206 per sq ft |
| Days on market (closed sales) | 173 median |
| For sale right now | 8 active, 1 pending · median asking $432,500 · 5.6 months of supply |
| Owner-occupied (homestead) share | 5% |
Data as of November 6, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “The Reserve At Twin Lakes key facts,” movewithmomentum.com/neighborhoods/the-reserve-at-twin-lakes-st-cloud, data as of November 6, 2026.
Just listed in The Reserve At Twin Lakes
The newest homes for sale in The Reserve At Twin Lakes right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 5131 Dusky Wing Lane $385,000 · 3 bd · 2 ba · 1,695 sq ft · listed Oct 11, 2026 Courtesy of MERITAGE HOMES OF FL REALTY
- 5177 Springrise Drive $475,000 · 5 bd · 3.5 ba · 2,392 sq ft · listed Oct 10, 2026 Courtesy of MERITAGE HOMES OF FL REALTY
- 2919 Sunstar Drive $410,000 · 4 bd · 2 ba · 1,840 sq ft · listed Sep 18, 2026 Courtesy of MERITAGE HOMES OF FL REALTY
- 5181 Springrise Drive $465,000 · 4 bd · 3 ba · 2,631 sq ft · listed Sep 18, 2026 Courtesy of MERITAGE HOMES OF FL REALTY
- 2888 Wild Olive Drive $450,000 · 4 bd · 3 ba · 2,631 sq ft · listed Aug 31, 2026 Courtesy of MERITAGE HOMES OF FL REALTY
- 2876 Wild Olive Drive $452,000 · 4 bd · 3 ba · 2,631 sq ft · listed Aug 30, 2026 Courtesy of MERITAGE HOMES OF FL REALTY
Checked against the MLS nightly. All new listings in this market.
Every Home for Sale in The Reserve At Twin Lakes St Cloud Right Now (9)
All 9 active and pending The Reserve At Twin Lakes St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5131 Dusky Wing Lane · $385,000 · 3 bd / 2 ba · listed Oct 10, 2026 · listed by Meritage Homes Of Fl Realty
- 5177 Springrise Drive · $475,000 · 5 bd / 3.5 ba · listed Oct 6, 2026 · listed by Meritage Homes Of Fl Realty
- 2919 Sunstar Drive · $410,000 · 4 bd / 2 ba · listed Sep 14, 2026 · listed by Meritage Homes Of Fl Realty
- 5181 Springrise Drive · $465,000 · 4 bd / 3 ba · listed Sep 14, 2026 · listed by Meritage Homes Of Fl Realty
- 2888 Wild Olive Drive · $450,000 · 4 bd / 3 ba · listed Sep 10, 2026 · listed by Meritage Homes Of Fl Realty
- 2876 Wild Olive Drive · $452,000 · 4 bd / 3 ba · listed Sep 10, 2026 · listed by Meritage Homes Of Fl Realty
- 2896 Wild Olive Drive · $415,000 · 4 bd / 3 ba · pending · listed Sep 2, 2026 · listed by Meritage Homes Of Fl Realty
- 2880 Wild Olive Drive · $379,990 · 3 bd / 2 ba · listed Aug 25, 2026 · listed by Meritage Homes Of Fl Realty
- 2893 Wild Olive Drive · $474,375 · 5 bd / 3.5 ba · pending · listed Aug 10, 2026 · listed by Meritage Homes Of Fl Realty
Recently sold in The Reserve At Twin Lakes St Cloud
- 2875 Hornbill Drive · sold $446,000
- 2867 Hornbill Drive · sold $389,000
- 2899 Hornbill Drive · sold $379,500
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
- Gated communities in St Cloud
- St Cloud home values: what is my house worth?
St Cloud guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- New construction
- New construction (Osceola County)
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
Real estate agent in St Cloud? Join Momentum in St Cloud: 100% commission, one $12K cap.
Email me new listings in The Reserve At Twin Lakes
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about The Reserve At Twin Lakes
Have a question about the homes, fees, rules or commute here? A Momentum agent who works The Reserve At Twin Lakes will answer, and the answer is published on this page for the next buyer.
What it really costs to own in The Reserve At Twin Lakes
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $1,381/yr in CDD or special-district assessments on the tax bill (20 listings, MLS, 2026-11-06). 100% of the 20 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | Median $76/month across 20 MLS listings (most billed monthly; 2026-11-06). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 16 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2025 across 21 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Frequently Asked Questions
What is the median home price in The Reserve At Twin Lakes?
How long do homes in The Reserve At Twin Lakes take to sell?
Is The Reserve At Twin Lakes a buyer's or seller's market right now?
What share of The Reserve At Twin Lakes is owner-occupied?
Who is the best real estate agent for The Reserve At Twin Lakes?
How do I find a top St Cloud real estate agent who knows The Reserve At Twin Lakes?
Can Momentum Realty connect me with an agent for The Reserve At Twin Lakes?
Where is The Reserve At Twin Lakes, and what county is it in?
Is The Reserve At Twin Lakes in a flood zone?
Is The Reserve At Twin Lakes a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 30, 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 (3 streets, ZIP 34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2024 (51 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. A Momentum agent can 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 Reserve At Twin Lakes fits the bigger picture — live prices, inventory, and Momentum Scores:
