The Reserve at Twin Lakes
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, THE RESERVE AT TWIN LAKES in ST CLOUD, FL has 5 homes for sale and 3 pending, asking from $395,000 to $452,000 (median $449,935). Over the 12 months ending 2026-08-02, 16 recorded sales closed at a median of $442,500, $187 per square foot, a median 50 days on market, sellers accepting 95% of original asking (+6% versus the prior year). Homes listed or recently sold were built 2023 - 2026 with 18 new construction; 20 of 20 report an HOA (median $76/mo); none of the 19 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 $6,740 ($6,140 with the full homestead exemption).
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 · 73 days
Active · 8 days
Active · 16 days
Pending · 61 days
Pending · 357 days
Pending · 378 daysActive and pending The Reserve at Twin Lakes listings as of 2026-09-03, 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
🔴 Seller-leaning market. 1.4 months of supply and 50% of the inventory already under contract give sellers the pressure advantage.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 August 2, 2026. Confidence: High (4 active and pending listings, 16 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($442K) is up 5.9% from the prior 12 months ($418K). 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 August 2. Confidence: High (16 and 29 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
Updated August 2, 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 August 2, 2026): the median sale price is about $442K ($187 per sq ft over the trailing 12 months of closed sales), a median 50 days on market for closed sales, and 1.4 months of supply, a seller-leaning market. The trailing-12-month median is up 6% from the prior 12 months, computed from record-level Stellar MLS closed sales (16 closings in the current window).
The Reserve at Twin Lakes is a community of 41 homes in ST CLOUD, Osceola County, built between 2024 and 2024 (median 2024), with a median living area of about 2,247 square feet. 14% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
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 Lakes
The Reserve at Twin Lakes
The Reserve at Twin Lakes
The Reserve at Twin Lakes
The Reserve at Twin Lakes
The Reserve at Twin LakesPrice History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($442K) IS the median in the snapshot above, and the move from 2025 ($418K) IS the +5.9% one-year change.
Windows contain 6 to 29 sales each (16 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.
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.
THE RESERVE AT TWIN LAKES Market Scorecard
THE RESERVE AT TWIN LAKES is currently a seller's market. About 3.8 months of supply, a median asking price of $449,935, and homes go under contract in about 8 days.
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: 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.
Housing distress & ownership in THE RESERVE AT TWIN LAKES, 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
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, tiles © CARTO.
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.
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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 $187 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 1.4 months of supply, a seller-leaning market and the trailing-12-month median up 6% year over year. Homes that do trade take a median 50 days on market, useful leverage on any listing that has lingered.
The housing stock is 41 homes built around 2024, and 14% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
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 (6.0). Basis: Recent Direction +5.9% year-over-year; Liquidity & Demand 1.4 months of supply; Owner Commitment 14% owner-occupied; Pricing Power 94.9% sale-to-list. Refreshed with each data update.
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 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 →
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?
How many homes are in The Reserve at Twin Lakes?
What share of The Reserve at Twin Lakes is owner-occupied?
When were the homes in The Reserve at Twin Lakes built?
Do cash buyers compete in The Reserve at Twin Lakes?
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?
Nearby Communities
Explore more neighborhoods near The Reserve at Twin Lakes with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: August 2, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| 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.
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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.
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See how THE RESERVE AT TWIN LAKES fits the bigger picture — live prices, inventory, and Momentum Scores: