Waterlin 45's
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Waterlin 45'S in St Cloud, FL has 18 homes for sale and 17 pending, asking from $374,249 to $724,900 (median $444,740). Homes listed or recently sold were built 2026 - 2026 with 40 new construction; 41 of 42 report an HOA (median $12/mo); 1 of the 42 geocoded homes sit in a FEMA special flood hazard zone (median elevation 70 ft).
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.
49% of homes for sale in Waterlin 45's 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 (2026-11-14).
Waterlin 45s Market Scorecard
Waterlin 45s is currently a strong buyer's market. About 30.9 months of supply, a median asking price of $444,740, and homes go under contract in about 38 days.
Typical home value in the 34772 ZIP is $393,754, about 15.5% 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 Waterlin 45's
Live MLS inventory for Waterlin 45's. 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 · 54 daysTop listing
Active · 54 days
Active · 54 days
Active · 49 days
Active · 1 days
Active · 133 days
Active · 54 days
Active · 1 days
Active · 1 days
Active · 112 days
Active · 6 days
Pending · 0 days
Pending · 0 daysActive and pending Waterlin 45's listings as of 2026-09-15, priced high to low. Based on Stellar MLS data distributed by MLS GRID. Tap any home to ask about it.
The setting & the homes.
Aerial and on-site photos of Waterlin 45's. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Waterlin 45'sWaterlin 45'sWaterlin 45'sWaterlin 45'sWaterlin 45'sWaterlin 45'sWaterlin 45'sWaterlin 45'sPhotos from Stellar MLS listings in Waterlin 45's; content deemed reliable but not guaranteed.
The market around Waterlin 45's
Waterlin 45's is too small for its own price trend, so here is the market around it.
Across Osceola County, 4,394 homes are active and 1,117 pending (20% under contract).
ZIP and county figures describe the wider market, not Waterlin 45's specifically. Momentum Research analysis of MLS records.
Waterlin 45's 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 contributors.
Life at Waterlin 45's
- Clubhouse · reported on 12 of 12 listings
- Playground · reported on 12 of 12 listings
- Pool · reported on 12 of 12 listings
- Dog Park · reported on 12 of 12 listings
- Irrigation-Reclaimed Water · reported on 12 of 12 listings
- Park · reported on 12 of 12 listings
- Tennis Court(s) · reported on 12 of 12 listings
- Fence Restrictions · reported on 4 of 12 listings
- Pickleball Court(s) · reported on 4 of 12 listings
- Recreation Facilities · reported on 4 of 12 listings
- Trail(s) · reported on 4 of 12 listings
- Community Mailbox · reported on 4 of 12 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
- Canoe Creek K-8 · Elementary
- Canoe Creek K-8 · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Waterlin 45's 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 Waterlin 45's address.
Shop the zone: Homes zoned for Harmony High High School
The Waterlin 45's buying strategy.
If we were buying in Waterlin 45's 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 Waterlin 45's.
The location and the amenities are priced into every listing in Waterlin 45's. The deal is won or lost on condition, the comps, and the renovation math.
What it really costs to own in Waterlin 45's
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| CDD / special assessments | Listings here report a median of $2,266/yr in CDD or special-district assessments on the tax bill (38 listings, MLS, 2026-11-14). 97% of the 39 listings that report the field show one. The amount is per lot and set by the district: confirm it on the parcel's TRIM notice. |
|---|---|
| HOA dues | MLS listings here mostly enter dues as billed annually, but the median entry is only $150/year across 44 listings (2026-11-14), which usually means a quarterly or monthly amount was entered as annual. Ask the association for the current dues. |
| Home and flood insurance | The average Citizens Property Insurance premium in Osceola County is $1,735/yr (2,188 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 19 listing addresses checked against the FEMA flood map, 95% sit outside the high-risk zone and 5% inside one, where flood insurance is required with a federally backed mortgage. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2026 across 42 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Waterlin 45's
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 Waterlin 45's
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterlin 45's will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues in MLS listings look inconsistent here (median entry $150/year across 44 listings). Confirm the current dues with the association
- Any club/amenity membership is billed separately
MLS listings here mostly enter association dues as billed annually, but the median entry is only $150 a year across 44 records, which usually means a quarterly or monthly amount was entered as annual. Ask the association or the listing agent for the current dues and what they cover before you offer. Source: MLS listing records, 2026-11.
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 Waterlin 45's 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 Waterlin 45's sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterlin 45's, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterlin 45's home worth?
Get a no-obligation home value based on real comparable sales in Waterlin 45's, 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 Waterlin 45's on the map →
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 15, 2026) |
| Under-contract shares | Stellar MLS records, as of 2026-08-10 |
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. A Momentum agent can 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 WATERLIN 45'S fits the bigger picture — live prices, inventory, and Momentum Scores:
Common questions about Waterlin 45's
Where is Waterlin 45's?
Waterlin 45's is a community in St Cloud, Osceola County, Florida.
Are there homes for sale in Waterlin 45's right now?
Yes - 14 active and 3 pending listings as of the last feed refresh (twice daily). They are listed on this page.
Does Waterlin 45's have an HOA or CDD?
No HOA is on record for Waterlin 45's 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.
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