Tops Terrace St Cloud
Homes for Sale in ST CLOUD, FL
True comps, carrying-cost math, and listings before the portals.
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.
Tops Terrace St Cloud right now
🟢 Buyer-leaning market. 12.0 months of supply and 0% of the inventory already under contract give buyers above-average negotiating leverage.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 July 15, 2026. Confidence: Low (1 active and pending listings, 0 closed sales in 12 months).
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Updated July 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Who Tops Terrace St Cloud 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 St Cloud
Tops Terrace St Cloud is a small community — 20 recorded sales on file, most recently in 2026 — too few for its own price trend. Here is the market around it.
Across Osceola County, 4,370 homes are active and 1,137 pending (21% under contract).
The housing mix here is 44% mobile home - pre 1976, 29% manufactured home - post 1977, 18% single family residence.
ZIP and county figures describe the wider market, not Tops Terrace St Cloud specifically. Momentum Research analysis of MLS records.
Homes For Sale Right Now in Tops Terrace St Cloud
Live MLS inventory for Tops Terrace St Cloud. 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 St Cloud listings as of 2026-07-16, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period %s through %s. Tap any home to ask about it.
The Tops Terrace St Cloud buying strategy.
If we were buying in Tops Terrace St Cloud 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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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 St Cloud.
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 St Cloud. 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 St Cloud in 15 seconds.
HOA, CDD & Fees
- Mandatory HOA — confirm current dues
- 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 St Cloud 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 St Cloud 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 St Cloud, 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 St Cloud home worth?
Get a no-obligation home value based on real comparable sales in Tops Terrace St Cloud, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
Is Tops Terrace St Cloud a buyer's or seller's market right now?
How many homes are in Tops Terrace St Cloud?
What share of Tops Terrace St Cloud is owner-occupied?
When were the homes in Tops Terrace St Cloud built?
Do cash buyers compete in Tops Terrace St Cloud?
Who is the best real estate agent for Tops Terrace St Cloud?
How do I find a top ST CLOUD real estate agent who knows Tops Terrace St Cloud?
Can Momentum Realty connect me with an agent for Tops Terrace St Cloud?
Should you buy in Tops Terrace St Cloud?
An honest fit check. We will tell you when it is not your community.
Nearby Communities
Explore more neighborhoods near Tops Terrace St Cloud with Momentum Realty’s local guides.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: July 16, 2026) |
| Housing stock & ownership | Florida DOR 2025 assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-07-12 |
| 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?
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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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