Town Center Villas
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Town Center Villas in St Cloud, FL has 1 home for sale. Homes listed or recently sold were built 2005 - 2005; 3 of 3 report an HOA (median $241/mo); none of the 3 geocoded homes sit in a FEMA special flood hazard zone (median elevation 73 ft).

Town Center Villas is a small, single-vintage community - every one of its 46 homes was built in 2005, so the usual scatter of ages and renovation levels that drives price variance elsewhere just isn't a factor here. What differentiates one unit from another comes down to interior condition and how an owner has maintained a nearly two-decade-old structure, not era or design generation.
With zero active listings at this snapshot and only a handful of closings in the recent window, this is a thin market to read in real time. That cuts both ways: a seller with a home ready to list may find limited direct competition, while a buyer targeting this specific community should expect to wait for the right unit to surface rather than choose from several at once.
Town Center Villas right now
🟡 Balanced market. 6.0 months of supply and 0% 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 12, 2026. Confidence: Low (1 active and pending listings, 2 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 27, 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
A compact villa community in St Cloud built out entirely in 2005, Town Center Villas offers a consistent housing stock with a median living area of 1,768 square feet and no active MLS listings at this snapshot.
Stellar MLS sales records identify 41 homes in Town Center Villas that have changed hands since 2006, built between 2005 and 2005 (median 2005), with a median living area of about 1,527 sq ft and a typical 3-bedroom, 2-bath layout; 100% are townhomes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
The setting & the homes.
Aerial and on-site photos of Town Center Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Town Center Villas; content deemed reliable but not guaranteed.
Who Town Center Villas is best for.
Best for
- A buyer comfortable waiting for the right unit in a thin, low-inventory community
- Someone drawn to a consistent, single-vintage villa product rather than a mixed-age neighborhood
- An owner-occupant buyer, consistent with the majority-homestead pattern seen in the data
Probably not for
- A buyer who wants to compare multiple active listings side by side before deciding
- Someone specifically seeking documented community amenities, since none are currently identified
- A buyer needing a fast close from a wide, ready-now inventory pool
The market around Town Center Villas
Town Center Villas is too small for its own price trend, so here is the market around it.
In ZIP 34769, 189 homes are on the market and 21% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,423 homes are active and 1,079 pending (20% under contract).
In ZIP 34769 (ST CLOUD), 630 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 0.7% year over year, with a median 58 days on market. Right now 141 active and 49 pending listings put supply at about 3.9 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Town Center Villas specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Town Center Villas, 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.
Homes For Sale Right Now in Town Center Villas
Live MLS inventory for Town Center Villas. 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 Town Center Villas listings as of 2026-09-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2026. Tap any home to ask about it.
Every Home for Sale in Town Center Villas St Cloud Right Now (1)
All 1 active and pending Town Center Villas St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 3420 Home Town Lane · $285,000 · 3 bd / 2.5 ba · listed Sep 10, 2026 · listed by Florida Pines Realty, Llc
Town Center Villas 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.
The Town Center Villas buying strategy.
If we were buying in Town Center Villas 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 Town Center Villas.
One build year, one story to tell
Because all 46 homes share a single construction year, the community reads less like a typical mixed-vintage neighborhood and more like a defined product: villa-style homes of a consistent footprint and era. The median living area of 1,768 square feet gives a sense of typical scale, though any given unit's condition - updates, deferred maintenance, systems age - will matter more here than square footage differences.
A homestead share of 63% indicates a majority of owners have filed for homestead exemption, which is a reasonable proxy for owner-occupancy over rental or investment holding, though it says nothing about who lives in any specific unit. No community amenities were identified from current MLS listings, so buyers should verify directly whether any shared facilities, common areas, or HOA-maintained features exist rather than assume them.
The location and the amenities are priced into every listing in Town Center Villas. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
With no active listings and a limited closing history to draw on, pricing and timing calls in Town Center Villas require pulling from off-market data, past sales, and direct outreach rather than relying on what's visibly for sale. That's the kind of legwork we do as a matter of course, whether you're trying to get ahead of the next listing or price one accurately before it hits the market.
Town Center Villas in 15 seconds.
HOA, CDD & Fees
- HOA dues reported around $241/month (about $2,892/yr) · median of 45 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $241 per month ($2,892 a year) - the median AssociationFee across 45 MLS records, normalised to a monthly figure; most are billed monthly. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-09.
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 Town Center Villas 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 Town Center Villas sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Town Center Villas, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Town Center Villas home worth?
Get a no-obligation home value based on real comparable sales in Town Center Villas, 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 Town Center Villas on the map →
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.
21% of homes for sale in ZIP 34769 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 (2026-09-25).
TOWN CENTER VILLAS Market Scorecard
TOWN CENTER VILLAS is currently a buyer's market. About 6.0 months of supply, a median asking price of $295,000, and homes go under contract in about 1 days.
Typical home value in the 34769 ZIP is $318,664, about 8.6% above 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.
Frequently Asked Questions
Is Town Center Villas a buyer's or seller's market right now?
Who is the best real estate agent for Town Center Villas?
How do I find a top St Cloud real estate agent who knows Town Center Villas?
Can Momentum Realty connect me with an agent for Town Center Villas?
Where is Town Center Villas, and what county is it in?
Should you buy in Town Center Villas?
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 2016 (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 →
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 Town Center Villas fits the bigger picture — live prices, inventory, and Momentum Scores:
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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