Turtle Creek
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of September 2026, Turtle Creek Ph 1A in St Cloud, FL has 5 homes for sale and 2 pending, asking from $225,000 to $479,900 (median $425,000). Over the 12 months ending 2026-08-23, 15 recorded sales closed at a median of $444,995, $178 per square foot, a median 70 days on market, sellers accepting 95% of original asking (+3% versus the prior year). Homes listed or recently sold were built 2007 - 2018; 19 of 19 report an HOA (median $93/mo); 2 of the 16 geocoded homes sit in a FEMA special flood hazard zone (median elevation 67 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,780 ($6,180 with the full homestead exemption).
| Location | ST CLOUD, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 459 (FL DOR 2025 assessment roll) |
| Years built | 2007–2019 (median 2016) |
| Typical living area | 2,460 sq ft (median) |
| Home types (current listings and sales) | single-family 74%, townhouses 26% |
| Amenities listed by sellers | Pool, Playground, Deed Restrictions, Dog Park, Park, Clubhouse |
| Sale prices, last 12 months | $444,995 median across 15 closed sales · $178 per sq ft · +2.9% vs the prior 12 months |
| Days on market (closed sales) | 70 median |
| For sale right now | 5 active, 4 pending · median asking $415,000 · 3.0 months of supply |
| Owner-occupied (homestead) share | 81% |
Data as of August 23, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “TURTLE CREEK PH 1A key facts,” movewithmomentum.com/neighborhoods/turtle-creek-st-cloud, data as of August 23, 2026.
Last 30 days in Turtle Creek: 2 new listings (median asking $452,450), 2 under contract right now, 2 closed sales (median $377,000). As of September 27, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Turtle Creek
Live MLS inventory for Turtle Creek. 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 Turtle Creek listings as of 2026-09-26, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026. Tap any home to ask about it.
Every Home for Sale in Turtle Creek St Cloud Right Now (8)
All 8 active and pending Turtle Creek St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 1613 Leatherback Lane · $479,900 · 4 bd / 3.5 ba · listed Sep 6, 2026 · listed by Re/Max Town & Country Realty
- 1529 Alligator Street · $574,000 · 4 bd / 3 ba · pending · listed Sep 3, 2026 · listed by Wheatley Realty Group
- 1543 Caterpillar Street · $425,000 · 3 bd / 2 ba · listed Aug 28, 2026 · listed by Creegan Group
- 1553 Caterpillar Street · $460,000 · 3 bd / 2.5 ba · listed Jul 24, 2026 · listed by Simplysold Real Estate Premier
- 4908 Terrapin Boulevard · $225,000 · 2 bd / 2.5 ba · listed Jun 27, 2026 · listed by Home Wise Realty Group, Inc.
- 1619 Reflection Cove · $274,900 · 3 bd / 2.5 ba · listed Jun 27, 2026 · listed by Keller Williams Legacy Realty
- 1562 Softshell Street · $339,000 · 4 bd / 2.5 ba · listed Jun 27, 2026 · listed by A & D Group Realty Llc
- 4801 Apple Blossom Lane · $315,000 · 4 bd / 3 ba · pending · listed Jun 27, 2026 · listed by Compass Florida Llc
Turtle Creek right now
🟡 Balanced market. 3.0 months of supply and 44% 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 August 23, 2026. Confidence: High (9 active and pending listings, 15 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($445K) is up 2.9% from the prior 12 months ($432K). With about a dozen 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 23. Confidence: Medium (15 and 12 sales in the two windows).
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
Turtle Creek market snapshot (as of August 23, 2026): the median sale price is about $445K ($178 per sq ft over the trailing 12 months of closed sales), a median 70 days on market for closed sales, and 3.0 months of supply, a balanced market. The trailing-12-month median is up 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (15 closings in the current window).
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.
Flood zones in TURTLE CREEK: of 11 listing addresses checked against the FEMA National Flood Hazard Layer, 82% sit outside the FEMA Special Flood Hazard Area (Zone X); 18% are in an A-series high-risk zone where flood insurance is required with a federally backed mortgage. Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
Turtle Creek is a community of 459 homes in St Cloud, Osceola County, built between 2007 and 2019 (median 2016), with a median living area of about 2,460 square feet. 81% 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 Turtle Creek. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Photos from Stellar MLS listings in Turtle Creek; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 23 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($445K) IS the median in the snapshot above, and the move from 2025 ($432K) IS the +2.9% one-year change.
Windows contain 0 to 32 sales each (15 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 2014 through 2026. Deemed reliable but not guaranteed.
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 (2026-09-27).
TURTLE CREEK Market Scorecard
TURTLE CREEK is currently a seller's market. About 3.4 months of supply, a median asking price of $382,000, and homes go under contract in about 108 days.
Typical home value in the 34771 ZIP is $431,565, about 14.3% 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 TURTLE CREEK PH 1A, 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.
Turtle Creek 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 Turtle Creek
- Pool · reported on 16 of 18 listings
- Playground · reported on 13 of 18 listings
- Park · reported on 8 of 18 listings
- Dog Park · reported on 7 of 18 listings
- Deed Restrictions · reported on 6 of 18 listings
- Trail(s) · reported on 3 of 18 listings
- Clubhouse · reported on 3 of 18 listings
- Recreation Facilities · reported on 2 of 18 listings
- Vehicle Restrictions · reported on 1 of 18 listings
- Community Mailbox · reported on 1 of 18 listings
- Maintenance · reported on 1 of 18 listings
- Irrigation-Reclaimed Water · reported on 1 of 18 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
- Lakeview Elem (K 5) · Elementary
- Narcoossee Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Turtle Creek 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 Turtle Creek address.
Shop the zone: Homes zoned for Harmony High High School
The Turtle Creek buying strategy.
If we were buying in Turtle Creek 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 Turtle Creek.
A closer look at the Turtle Creek market
At a median of $178 per square foot, Turtle Creek 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 3.0 months of supply, a balanced market and the trailing-12-month median up 3% year over year. Homes that do trade take a median 70 days on market, useful leverage on any listing that has lingered.
The housing stock is 459 homes built between 2007 and 2019, and 81% 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 Turtle Creek. 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 Turtle Creek 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 (7.2). Basis: Recent Direction +2.9% year-over-year; Liquidity & Demand 3.0 months of supply; Owner Commitment 81% owner-occupied; Pricing Power 95.2% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $93/month (about $1,116/yr) · median of 260 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $93 per month ($1,116 a year) - the median AssociationFee across 260 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 Turtle Creek 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 Turtle Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Turtle Creek, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Turtle Creek home worth?
Get a no-obligation home value based on real comparable sales in Turtle Creek, 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 Turtle Creek on the map →
Recently off market in TURTLE CREEK PH 1A
Homes in TURTLE CREEK PH 1A that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 5 on record.
- 1493 Reflection Cove · off market
- 1536 Softshell Street · off market
- 1570 Softshell Street · off market
- 4907 Terrapin Boulevard · off market
- 4925 Tortoise Trail · off market
Frequently Asked Questions
What is the median home price in Turtle Creek?
How long do homes in Turtle Creek take to sell?
Is Turtle Creek a buyer's or seller's market right now?
How many homes are in Turtle Creek?
What share of Turtle Creek is owner-occupied?
When were the homes in Turtle Creek built?
Who is the best real estate agent for Turtle Creek?
How do I find a top St Cloud real estate agent who knows Turtle Creek?
Can Momentum Realty connect me with an agent for Turtle Creek?
Where is Turtle Creek, and what county is it in?
Is Turtle Creek in a flood zone?
Is Turtle Creek a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 26, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 23, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-08-18 |
| Historical depth | Closed-sale records back to 2014 (168 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.
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See how TURTLE CREEK PH 1A fits the bigger picture — live prices, inventory, and Momentum Scores:
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