Tops Terrace
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Tops Terrace in St Cloud, FL has 1 home for sale. As of September 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, 2,213 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).
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.
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, 708 homes are on the market and 31% are under contract — a fast-moving corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34771 (ST CLOUD), 2,895 homes closed in the last 12 months at a median of $436K ($211/sq ft), up 0.5% year over year, with a median 45 days on market. Right now 473 active and 208 pending listings put supply at about 3.4 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.
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.
31% 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 (2026-09-24).
TOPS TERRACE Market Scorecard
TOPS TERRACE is currently a thin data market. Limited supply, a median asking price of $689,900, and homes go under contract in about 458 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.
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 2026-09-12, 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.
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.
- 6375 Topsy Trail · $689,900 · 5 bd / 3 ba · listed Jun 27, 2026 · listed by Dalton Wade Inc
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.
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 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 →
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: September 12, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| 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.
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 →
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A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how Tops Terrace fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Tops Terrace
Where is Tops Terrace?
Tops Terrace is a community in ST CLOUD, Osceola County, Florida, ZIP 34771.
Are there homes for sale in Tops Terrace right now?
Yes - 1 active and 0 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Tops Terrace have an HOA or CDD?
No HOA is on record for Tops Terrace 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.
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.
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