Waterlin 45's
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of October 2026, Waterlin 45'S in St Cloud, FL has 15 homes for sale and 24 pending, asking from $379,249 to $699,900 (median $599,900). Homes listed or recently sold were built 2026 - 2026 with 38 new construction; 38 of 39 report an HOA (median $12/mo); 1 of the 39 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.
62% 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 (2026-10-25).
Waterlin 45s Market Scorecard
Waterlin 45s is currently a thin data market. Limited supply, a median asking price of $494,740, and homes go under contract in about 54 days.
Typical home value in the 34772 ZIP is $398,990, about 8.0% 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 · 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
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Waterlin 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'sHomes for Sale
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 (35 listings, MLS, 2026-10-24). 97% of the 36 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 39 listings (2026-10-24), 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 15 listing addresses checked against the FEMA flood map, 93% sit outside the high-risk zone and 7% 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 39 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Waterlin 45'sHomes for Sale
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'sHomes for Sale
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterlin 45'sHomes for Sale 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 39 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 39 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, 2026-10.
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. 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 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.
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.
Housing distress & ownership in WATERLIN 45'S, 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.
Every Home for Sale in Waterlin 45 S St Cloud Right Now (39)
All 39 active and pending Waterlin 45 S St Cloud listings with a detail page, newest first, refreshed twice a day from the MLS.
- 4500 Firefly Lane · $733,990 · 6 bd / 4 ba · pending · listed by Olympus Executive Realty Inc
- 4597 Edgel Pass · $460,490 · 4 bd / 3 ba · listed by Lennar Realty
- 335 Steed Gait Loop · $694,900 · 4 bd / 3.5 ba · listed Oct 15, 2026 · listed by Perry Homes
- 4559 Forge Road · $379,249 · 4 bd / 4 ba · listed Oct 15, 2026 · listed by Lennar Realty
- 4554 Forge Road · $380,749 · 4 bd / 3 ba · listed Oct 2, 2026 · listed by Lennar Realty
- 4549 Edgel Pass · $459,490 · 4 bd / 3 ba · listed Oct 2, 2026 · listed by Lennar Realty
- 347 Steed Gait Loop · $599,900 · 3 bd / 3 ba · listed Sep 30, 2026 · listed by Perry Homes
- 359 Steed Gait Loop · $649,900 · 4 bd / 3.5 ba · listed Sep 30, 2026 · listed by Perry Homes
- 323 Steed Gait Loop · $699,900 · 4 bd / 3 ba · listed Sep 30, 2026 · listed by Perry Homes
- 371 Steed Gait Loop · $674,900 · 4 bd / 3 ba · listed Sep 30, 2026 · listed by Perry Homes
- 4535 Forge Road · $379,499 · 4 bd / 3 ba · pending · listed Sep 30, 2026 · listed by Lennar Realty
- 4584 Forge Road · $414,990 · 5 bd / 3 ba · listed Sep 26, 2026 · listed by Lennar Realty
- 4572 Firefly Lane · $437,990 · 4 bd / 2.5 ba · listed Sep 24, 2026 · listed by Olympus Executive Realty Inc
- 4537 Edgel Pass · $449,490 · 4 bd / 3 ba · pending · listed Sep 24, 2026 · listed by Lennar Realty
- 4547 Forge Road · $412,990 · 5 bd / 3 ba · pending · listed Sep 23, 2026 · listed by Lennar Realty
- 500 Cypress Fork Trail · $371,890 · 4 bd / 2 ba · pending · listed Sep 23, 2026 · listed by Lennar Realty
- 488 Cypress Fork Trail · $463,490 · 4 bd / 3 ba · pending · listed Sep 19, 2026 · listed by Lennar Realty
- 4464 Firefly Lane · $621,990 · 4 bd / 4 ba · pending · listed Sep 12, 2026 · listed by Olympus Executive Realty Inc
- 4459 E Firefly Lane · $569,130 · 5 bd / 3.5 ba · pending · listed Sep 11, 2026 · listed by Olympus Executive Realty Inc
- 4405 Firefly Lane · $493,358 · 4 bd / 2.5 ba · pending · listed Sep 11, 2026 · listed by Olympus Executive Realty Inc
- 4530 Firefly Lane · $391,145 · 4 bd / 2.5 ba · pending · listed Sep 11, 2026 · listed by Olympus Executive Realty Inc
- 4536 Forge Road · $383,749 · 4 bd / 3 ba · listed Sep 10, 2026 · listed by Lennar Realty
- 224 Cypress Fork Trail · $529,990 · 4 bd / 3.5 ba · listed Sep 10, 2026 · listed by Olympus Executive Realty Inc
- 4560 Forge Road · $418,740 · 5 bd / 3 ba · pending · listed Sep 10, 2026 · listed by Lennar Realty
- 4548 Forge Road · $380,999 · 4 bd / 4 ba · pending · listed Sep 10, 2026 · listed by Lennar Realty
- 200 Cypress Fork Trail · $646,990 · 6 bd / 4 ba · listed Aug 25, 2026 · listed by Olympus Executive Realty Inc
- 4542 Forge Road · $408,990 · 5 bd / 3 ba · pending · listed Aug 8, 2026 · listed by Lennar Realty
- 4529 Forge Road · $417,990 · 5 bd / 3 ba · pending · listed Aug 2, 2026 · listed by Lennar Realty
- 476 Cypress Fork Trail · $411,890 · 4 bd / 2 ba · pending · listed by Lennar Realty
- 4524 Firefly Lane · $448,090 · 4 bd / 2.5 ba · pending · listed Jul 29, 2026 · listed by Olympus Executive Realty Inc
- 4572 Forge Road · $382,249 · 4 bd / 3 ba · pending · listed Jul 26, 2026 · listed by Lennar Realty
- 4536 Firefly Lane · $439,990 · 4 bd / 2.5 ba · pending · listed by Olympus Executive Realty Inc
- 4458 E Firefly Lane · $643,990 · 5 bd / 3.5 ba · listed by Olympus Executive Realty Inc
- 4452 Firefly Lane · $661,990 · 6 bd / 4 ba · listed by Olympus Executive Realty Inc
- 4518 Firefly Lane · $548,990 · 5 bd / 3.5 ba · pending · listed by Olympus Executive Realty Inc
- 4530 Forge Road · $379,999 · 4 bd / 3 ba · pending · listed by Lennar Realty
- 4578 Forge Road · $389,999 · 4 bd / 3 ba · pending · listed by Lennar Realty
- 4609 Edgel Pass · $389,390 · 4 bd / 2 ba · pending · listed by Lennar Realty
- 4615 Edgel Pass · $459,490 · 4 bd / 3 ba · pending · listed by Lennar Realty
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St Cloud guides & data
- Market data
- Cost of living
- Best neighborhoods
- Flood zones
- Property taxes (Osceola County)
- Homestead exemption (Osceola County)
- New construction
- New construction (Osceola County)
Florida buyer guides
- Florida home insurance rates by county
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- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Forge Road (14 homes on record)
- Edgel Pass (5 homes on record)
Nearby Communities
Explore more neighborhoods near Waterlin 45's with Momentum Realty’s local guides.