Waters At Center Lake Ranch
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, Waters At Center Lake Ranch in St Cloud, FL has 9 homes for sale and 12 pending, asking from $429,499 to $640,000 (median $499,000). Over the 12 months ending 2026-09-12, 65 recorded sales closed at a median of $492,500, $218 per square foot, a median 49 days on market, sellers accepting 96% of original asking (+3% versus the prior year). Homes listed or recently sold were built 2024 - 2026 with 32 new construction; 32 of 33 report an HOA (median $84/mo); none of the 33 geocoded homes sit in a FEMA special flood hazard zone (median elevation 76 ft). At the median price and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $7,500 ($6,900 with the full homestead exemption).
Part of the Center Lake Ranch master-planned community in St Cloud, FL — see all Center Lake Ranch homes for sale (34 listings across 4 villages and sections in the MLS).
Homes For Sale Right Now in Waters At Center Lake Ranch
Live MLS inventory for Waters At Center Lake Ranch. 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 · 23 days
Active · 551 days
Active · 11 days
Active · 50 days
Active · 24 days
Active · 10 days
Active · 13 days
Active · 22 days
Pending · 72 days
Pending · 6 days
Pending · 153 days
Pending · 64 days
Pending · 70 daysActive and pending Waters At Center Lake Ranch listings as of 2026-09-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Tap any home to ask about it.
Waters At Center Lake Ranch right now
🔴 Seller-leaning market. 1.5 months of supply and 57% of the inventory already under contract give sellers the pressure advantage.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: Very High (21 active and pending listings, 65 closed sales in 12 months).
🟡 Still climbing. The trailing-12-month median ($492K) is up 2.6% from the prior 12 months ($480K).Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending September 12. Confidence: High (65 and 21 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated September 15, 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
Waters At Center Lake Ranch market snapshot (as of September 12, 2026): the median sale price is about $492K ($218 per sq ft over the trailing 12 months of closed sales), a median 49 days on market for closed sales, and 1.5 months of supply, a seller-leaning market. The trailing-12-month median is up 3% from the prior 12 months, computed from record-level Stellar MLS closed sales (65 closings in the current window).
In ZIP 34769 (ST CLOUD), 636 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 1.1% year over year, with a median 58 days on market. Right now 143 active and 49 pending listings put supply at about 4.0 months - a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
Flood zones in Waters At Center Lake Ranch: of 33 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
Waters At Center Lake Ranch is a community of 3 homes in St Cloud, Osceola County, built between 2024 and 2024 (median 2024.0), with a median living area of about 3,062 square feet. 0% 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 Waters At Center Lake Ranch. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
Waters At Center Lake RanchWaters At Center Lake RanchWaters At Center Lake RanchWaters At Center Lake RanchWaters At Center Lake RanchWaters At Center Lake RanchWaters At Center Lake RanchWaters At Center Lake RanchPhotos from Stellar MLS listings in Waters At Center Lake Ranch; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 12 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($492K) IS the median in the snapshot above, and the move from 2025 ($480K) IS the +2.6% one-year change.
Windows contain 21 to 65 sales each (65 in the current window); every figure carries its sample size. Based on Stellar MLS data distributed by MLS GRID for the period 2025 through 2026. Deemed reliable but not guaranteed.
The Waters at Center Lake Ranch Market Scorecard
The Waters at Center Lake Ranch is currently a strong seller's market. About 1.5 months of supply, a median asking price of $499,000, and homes go under contract in about 23 days.
Typical home value in the 34771 ZIP is $436,543, about 13.8% 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 Waters At Center Lake Ranch St Cloud, 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.
Waters At Center Lake Ranch 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 Waters At Center Lake Ranch
- Pool · reported on 26 of 28 listings
- Basketball Court · reported on 25 of 28 listings
- Playground · reported on 25 of 28 listings
- Dog Park · reported on 25 of 28 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
- Narcoossee Elementary · Elementary
- Narcoossee Middle · Middle
- Harmony High · High
Zoned schools reflect the assignments reported on recent Waters At Center Lake Ranch 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 Waters At Center Lake Ranch address.
Shop the zone: Homes zoned for Harmony High High School
The Waters At Center Lake Ranch buying strategy.
If we were buying in Waters At Center Lake Ranch 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 Waters At Center Lake Ranch.
A closer look at the Waters At Center Lake Ranch market
At a median of $218 per square foot, Waters At Center Lake Ranch 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 1.5 months of supply, a seller-leaning market and the trailing-12-month median up 3% year over year. Homes that do trade take a median 49 days on market, useful leverage on any listing that has lingered.
The housing stock is 3 homes built around 2024, and 0% 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 Waters At Center Lake Ranch. 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 Waters At Center Lake Ranch 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 (5.5). Basis: Recent Direction +2.6% year-over-year; Liquidity & Demand 1.5 months of supply; Owner Commitment 0% owner-occupied; Pricing Power 95.5% sale-to-list. Refreshed with each data update.
HOA, CDD & Fees
- HOA dues reported around $84/month (about $1,008/yr) · median of 96 MLS listings, most billed monthly
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $84 per month ($1,008 a year) - the median AssociationFee across 96 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 Waters At Center Lake Ranch 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 Waters At Center Lake Ranch sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waters At Center Lake Ranch, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waters At Center Lake Ranch home worth?
Get a no-obligation home value based on real comparable sales in Waters At Center Lake Ranch, 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 Waters At Center Lake Ranch on the map →
Recently off market in Waters At Center Lake Ranch
Homes in Waters At Center Lake Ranch 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. 10 on record.
- 5103 Lost Key Place · off market
- 5168 Dominion Alley · off market
- 5169 Firestone Alley · off market
- 5174 Dominion Alley · off market
- 5178 Goldfinch Street · off market
- 5180 Dominion Alley · off market
- 5235 Bowspirit Way · off market
- 5259 Bowspirit Way · off market
Frequently Asked Questions
What is the median home price in Waters At Center Lake Ranch?
How long do homes in Waters At Center Lake Ranch take to sell?
Is Waters At Center Lake Ranch a buyer's or seller's market right now?
How many homes are in Waters At Center Lake Ranch?
What share of Waters At Center Lake Ranch is owner-occupied?
When were the homes in Waters At Center Lake Ranch built?
Who is the best real estate agent for Waters At Center Lake Ranch?
How do I find a top St Cloud real estate agent who knows Waters At Center Lake Ranch?
Can Momentum Realty connect me with an agent for Waters At Center Lake Ranch?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: September 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 12, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 34769/34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-08 |
| Historical depth | Closed-sale records back to 2025 (86 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 local comps.
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See how Waters At Center Lake Ranch fits the bigger picture — live prices, inventory, and Momentum Scores:
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Explore more neighborhoods near Waters At Center Lake Ranch with Momentum Realty’s local guides.