Tops Terrace
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Tops Terrace in St Cloud, FL has 1 home for sale. As of November 2026, the MLS records 13 closed sales in Tops Terrace in St Cloud, FL since 2005, the most recent in July 2025. Across St Cloud as a whole, 2,425 homes closed in the last 12 months at a median of $410,000, 48 median days on market, with 1,067 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,250 ($5,640 with the full homestead exemption).
Last 30 days in Tops Terrace: 1 new listing (median asking $260,000). As of November 7, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Tops Terrace is a small, established pocket of St Cloud with only 49 homes total and a single active listing at the moment, so there simply isn't a deep pool of comparable sales to lean on. Pricing here gets set home by home, largely on condition and updates, rather than by a clean market curve.
With months of supply sitting at 12.0, this reads as a buyer-leaning market: inventory is thin but demand isn't moving it quickly. For a seller, that means patience and presentation matter more than urgency. For a buyer, it means less competition for whatever does list, but also fewer options to compare against.
Figures in this note are as of July 21, 2026. The live market numbers elsewhere on this page update nightly and are newer.
The 60-Second Overview
Built out mostly in the 1970s and 1980s, with construction spanning from 1968 to 2015, Tops Terrace is a mature, low-turnover section of St Cloud where a high share of owners (73.5%) hold a homestead exemption - a signal of longer-term ownership rather than investor or rental turnover.
Stellar MLS sales records identify 31 homes in Tops Terrace that have changed hands since 2005, built between 1968 and 2010 (median 1979), with a median living area of about 1,344 sq ft and a typical 2-bedroom, 2-bath layout. 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 3 qualified sales in Tops Terrace across 2024 - 2025 (1 in 2024, 2 in 2025), median $275,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
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 Tops Terrace is best for.
Best for
- Buyers seeking an established St Cloud address without amenity fees or HOA-driven uniformity
- Buyers willing to evaluate a single home closely rather than rely on a deep set of comparables
- Buyers targeting a modest-footprint home in an area with mostly long-term ownership
Probably not for
- Buyers who want on-site community amenities like a pool or clubhouse
- Buyers who need a wide selection of active listings to compare before deciding
- Buyers prioritizing newer construction, given the community's older median build year
The market around Tops Terrace
Tops Terrace is too small for its own price trend, so here is the market around it.
In ZIP 34771, 692 homes are on the market and 32% are under contract — a fast-moving corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
In ZIP 34771 (St Cloud), 1,013 homes closed in the last 12 months at a median of $440K ($203/sq ft), down 1.9% year over year, with a median 47 days on market. Right now 121 active and 83 pending listings put supply at about 1.4 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Tops Terrace specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Tops Terrace
Live MLS inventory for Tops Terrace. 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 Tops Terrace listings as of 2026-11-06, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2025. Tap any home to ask about it.
Recent Developments in Tops Terrace
Development, infrastructure, retail, and school activity affecting Tops Terrace, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated November 2026.
- October 2026Parks & Amenities
145,000 sq ft All Sports Dome planned on Gus Road in Kissimmee
All Sports Dome Southeast plans a climate-controlled indoor inflatable dome at 3070 Gus Road with multi-sport courts, turf fields and training areas. It would be the brand's first Greater Orlando location, with an opening expected in 2027 and no exact date given.
What it may mean for the marketAn indoor sports venue would add year-round recreation and event space on Kissimmee's Gus Road area. The project is about 4 miles west of Tops Terrace, elsewhere in Osceola County.
Source: What Now Orlando - October 2026Infrastructure
Turnpike widening in Osceola County runs ahead of schedule at Fortune Road Bridge
Steel beams for the new westbound Fortune Road Bridge are in place a month early as Florida's Turnpike is widened from two to four lanes each way between Partin Settlement Road and Osceola Parkway. Westbound bridge traffic is expected at the start of 2027, and the broader project targets 2031. The bridge adds bike lanes and sidewalks.
What it may mean for the marketDoubling Turnpike capacity through this stretch should ease regional commutes between Kissimmee and the Orlando area once complete. The site is about 4 miles north of Tops Terrace.
Source: WFTV - October 2026Development
Experience Kissimmee launches Film Kissimmee commission to recruit productions
The new film commission markets Osceola County to production companies through an online database of more than 100 filming locations and has hired a location manager. Leaders say productions could become a new economic driver, citing spending on hotels, vehicles, food and crew services.
What it may mean for the marketFilm work could add temporary jobs and visitor spending for hospitality and service businesses across Osceola County. The site is about 4 miles northwest of Tops Terrace.
Source: WFTV - September 2026Infrastructure
CFX holds public meetings on 14-mile toll road through part of Split Oak Forest
The Central Florida Expressway Authority held public meetings on Sept. 16 and 17 for a 14-mile road from State Road 417 near Boggy Creek Road in Orange County to Nova Road in Osceola County. CFX says portions could begin construction next year and that the road would ease traffic on Narcoossee Road. The agency faces a legal challenge from Orange County and is pursuing an eminent domain case.
What it may mean for the marketIf built, the road would add a new east-west route between Lake Nona and St. Cloud, changing commute options and access to east Orange and Osceola land. The project is about 15 miles northeast of Tops Terrace, elsewhere in Osceola County.
Source: Spectrum News 13 - August 2026Civic
St. Cloud council approves $6.7 million downtown apartment and parking garage agreement
The City Council unanimously approved an agreement with Atlantic Housing Partners for apartments and a parking garage next to City Hall. The Community Redevelopment Agency contributes $6.25 million and the city $460,000. The garage would hold 450 to 500 spaces, with 250 reserved for apartment residents.
What it may mean for the marketNew downtown rental housing and public parking would add residents and parking capacity to the St. Cloud core. The project is about 6 miles east of Tops Terrace, elsewhere in Osceola County.
Source: Spectrum News 13 - March 2026Development
Orlando approves the 380-acre Dowden Central Community Development District in Lake Nona
Orlando approved the Dowden Central Community Development District, a roughly 380-acre district in the Lake Nona area of southeast Orlando, in March 2026. The district provides the framework to build roads, drainage, utilities, and parks for future development phases.
What it may mean for the marketA new community development district lays the groundwork for large-scale growth in the Lake Nona area, a step that typically precedes new housing and commercial activity nearby. The site is about 11 miles northeast of Tops Terrace.
Source: ClickOrlando
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Tops Terrace buying strategy.
If we were buying in Tops Terrace 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 Tops Terrace.
A small, settled corner of St Cloud
The housing stock skews older, with a median year built of 1980 and a median living area of 1,504 square feet - modest, single-story-era construction typical of St Cloud's earlier development waves. Because the range runs all the way to 2015, there's some variation in age and layout within the community, so buyers should expect condition and updates to vary more than square footage does.
No community amenities are identified from current MLS listings, which tracks with a neighborhood built around individual lots rather than a planned amenity package. This is a community you evaluate on the home and the block, not on a clubhouse or pool.
The location and the amenities are priced into every listing in Tops Terrace. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With only one active listing and 49 homes in the entire community, there's no shortcut through automated data - pricing this correctly means knowing which recent sales actually compare and which don't. We track this pocket of St Cloud closely enough to tell you the difference before you write an offer or set a list price.
Tops Terrace in 15 seconds.
Tools for a Tops Terrace 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 Tops Terrace sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Tops Terrace, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Tops Terrace home worth?
Get a no-obligation home value based on real comparable sales in Tops Terrace, 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 Tops Terrace on the map →
| Location | St Cloud, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 64 (FL DOR 2025 assessment roll) |
| Years built | 1946–2015 (median 1982.0) |
| Typical living area | 1,472 sq ft (median) |
| For sale right now | 1 active, 0 pending · median asking $689,900 |
| Owner-occupied (homestead) share | 78% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Tops Terrace key facts,” movewithmomentum.com/neighborhoods/tops-terrace-st-cloud, data as of September 20, 2026.
Housing distress & ownership in Tops Terrace, 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 November 2026 through November 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Tops Terrace St Cloud Right Now (1)
All 1 active and pending Tops Terrace St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 6390 Carroll Circle · $260,000 · 2 bd / 1 ba · listed Nov 4, 2026 · listed by Florida Realty Results Llc
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
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- 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
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Bass Highway (4 homes on record)
29% of homes for sale in ZIP 34771 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).
Email me new listings in Tops Terrace
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 Tops Terrace
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Tops Terrace will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
How many homes are in Tops Terrace?
What share of Tops Terrace is owner-occupied?
When were the homes in Tops Terrace built?
Who is the best real estate agent for Tops Terrace?
How do I find a top St Cloud real estate agent who knows Tops Terrace?
Can Momentum Realty connect me with an agent for Tops Terrace?
Where is Tops Terrace, and what county is it in?
Should you buy in Tops Terrace?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 6, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (5 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (13 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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