Waters at Center Lake Ranch
Homes for Sale in St Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Waters At Center Lake Ranch in St Cloud, FL has 14 homes for sale and 8 pending, asking from $420,000 to $660,000 (median $566,862). Over the 12 months ending 2026-11-13, 21 recorded sales closed at a median of $475,000, $201 per square foot, a median 43 days on market, sellers accepting 93% of original asking. Homes listed or recently sold were built 2024 - 2026 with 33 new construction; 34 of 34 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 $7,240 ($6,630 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 (31 listings across 3 villages and sections in the MLS).
Last 30 days in Waters at Center Lake Ranch: 6 new listings (median asking $490,000), 8 under contract right now, 5 closed sales (median $545,000). As of November 13, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
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 · 38 daysTop listing
Active · 38 days
Active · 146 days
Active · 88 days
Active · 96 days
Active · 612 days
Active · 8 days
Active · 2 days
Active · 2 days
Active · 2 days
Active · 37 days
Active · 87 days
Active · 8 days
Active · 8 daysActive and pending Waters at Center Lake Ranch listings as of 2026-11-13, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026. Tap any home to ask about it.
What sets price here is newness and size. Every home in this snapshot was built in 2024, and the median sits just over 3,000 square feet, so you are paying for recent construction at a median of $492,500, or roughly $217 per square foot. With no resale history and homes this new, condition and finish level drive the spread more than age or deferred-maintenance concerns.
The posture is seller-leaning but not frantic. Inventory is thin at 1.5 months of supply and nine active listings, which tilts leverage toward sellers, yet a median of 49 days on market says buyers are taking their time. Year-over-year, prices are up a modest 2.6 percent. For buyers, that means room to negotiate on terms rather than deep price cuts; for sellers, it means pricing to the median and letting the limited supply work for you.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Waters at Center Lake Ranch right now
🟢 Buyer-leaning market. 8.0 months of supply and 36% of the inventory already under contract give buyers above-average negotiating leverage.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 November 13, 2026. Confidence: Very High (22 active and pending listings, 21 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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 November 13, 2026): the median sale price is about $475K ($201 per sq ft over the trailing 12 months of closed sales), a median 43 days on market for closed sales, and 8.0 months of supply, a buyer-leaning market.
In ZIP 34771 (St Cloud), 1,023 homes closed in the last 12 months at a median of $445K ($201/sq ft), down 1.9% year over year, with a median 48 days on market. Right now 104 active and 99 pending listings put supply at about 1.2 months - a healthy market. See the live ZIP 34771 housing market and the Osceola County market.
Stellar MLS sales records identify 117 homes in Waters At Center Lake Ranch that have changed hands since 2025, built between 2024 and 2026 (median 2025), with a median living area of about 2,394 sq ft and a typical 4-bedroom, 3.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
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.
This is a brand-new St. Cloud community where everything standing was built in 2024, so buyers are comparing current construction against current construction rather than weighing age or wear. The homestead share is zero, which is worth noting for anyone budgeting around tax exemptions.
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.
Who Waters at Center Lake Ranch is best for.
Best for
- Buying a new-construction home and wanting to avoid near-term repair surprises
- Needing 3,000-plus square feet and value that spread across the space
- Wanting on-site amenities like a pool, dog park, and playground within the community
Probably not for
- Looking for an established community with a long resale and pricing history
- Wanting a smaller or lock-and-leave floor plan
- Counting on a homestead exemption already in place rather than one you'd file yourself
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 contributors.
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.
Use your leverage. With inventory sitting, there is room to negotiate on anything dated or overpriced and to ask for repairs or a rate buydown.
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.
New construction in a thin, seller-leaning market
With 65 closings in the tracked window and only nine homes currently active, Waters At Center Lake Ranch is moving inventory faster than it is replacing it. That 1.5-month supply is the core of the seller-leaning read. The homes themselves lean large, with a median living area around 3,062 square feet, so this is a floor-plan-forward community rather than a cottage one.
The amenity package reads suburban and active: a pool, basketball court, playground, and dog park are reported across the listings. Those are HOA-maintained features, and since this is a new community still filling in, verify current access and any phasing directly with the HOA before you count on them. A median of 49 days on market gives a disciplined buyer time to compare plans and lots instead of bidding blind.
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 3 factors (2.4). Basis: Liquidity & Demand 8.0 months of supply; Owner Commitment 0% owner-occupied; Pricing Power 92.8% sale-to-list. Refreshed with each data update.
Why work with Momentum here
New-construction communities with almost no resale track record are where a local broker earns their keep. We can tell you how the median $492,500 price and ~$217 per square foot compare against competing St. Cloud builders, read the difference between a well-specced home and a base-finish one, and negotiate terms in a market where thin supply means price alone rarely tells the story. We will also push the HOA on amenity timing so you know what you are actually buying today versus what is promised.
Waters at Center Lake Ranch in 15 seconds.
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. 21 on record.
- 1024 Teal Creek Drive · off market
- 1032 Top Minnow Road · off market
- 5067 Lost Key Place · off market
- 5103 Lost Key Place · off market
- 5156 Dominion Alley · off market
- 5168 Dominion Alley · off market
- 5169 Firestone Alley · off market
- 5174 Dominion Alley · off market
| Location | St Cloud, Osceola County, FL · ZIP 34771 |
|---|---|
| Homes in the community | 3 (FL DOR 2025 assessment roll) |
| Years built | 2024–2024 (median 2024.0) |
| Typical living area | 3,062 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Basketball Court, Dog Park, Playground, Pool |
| Sale prices, last 12 months | $475,000 median across 21 closed sales · $201 per sq ft |
| Days on market (closed sales) | 43 median |
| For sale right now | 14 active, 8 pending · median asking $566,862 · 8.0 months of supply |
| Owner-occupied (homestead) share | 0% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2026 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Waters at Center Lake Ranch key facts,” movewithmomentum.com/neighborhoods/waters-at-center-lake-ranch-st-cloud, data as of November 13, 2026.
Housing distress & ownership in Waters At Center Lake Ranch, 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 November 2026 through November 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Waters At Center Lake Ranch Right Now (22)
All 22 active and pending Waters At Center Lake Ranch listings with a detail page, newest first, refreshed twice a day from the MLS.
- 5246 Edenmore Street · $500,000 · 4 bd / 3 ba · listed Nov 11, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5061 Lost Key Place · $480,000 · 5 bd / 3.5 ba · listed Nov 11, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5234 Edenmore Street · $553,724 · 4 bd / 3 ba · listed Nov 11, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5038 Butterfish Place · $430,000 · 4 bd / 2.5 ba · listed Nov 6, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 831 Ladyfish Trail · $580,000 · 4 bd / 3.5 ba · listed Nov 6, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5055 Lost Key Place · $420,000 · 4 bd / 2.5 ba · listed Nov 6, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5091 Lost Key Place · $510,000 · 4 bd / 3.5 ba · pending · listed Oct 19, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5222 Edenmore Street · $476,859 · 4 bd / 2 ba · listed Oct 6, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5252 Edenmore Street · $462,664 · 3 bd / 2 ba · pending · listed Oct 6, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 777 Ladyfish Trail · $645,918 · 4 bd / 4.5 ba · listed Oct 5, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 789 Ladyfish Trail · $660,000 · 5 bd / 4.5 ba · listed Oct 5, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5079 Lost Key Place · $473,864 · 4 bd / 3.5 ba · listed Aug 31, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5085 Lost Key Place · $430,304 · 3 bd / 2.5 ba · pending · listed Aug 28, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5049 Lost Key Place · $429,499 · 3 bd / 2 ba · pending · listed Aug 19, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 903 Ladyfish Trail · $600,000 · 4 bd / 4.5 ba · listed Aug 18, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5210 Edenmore Street · $600,000 · 4 bd / 3.5 ba · listed Aug 18, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5073 Lost Key Place · $475,584 · 4 bd / 2.5 ba · pending · listed Aug 17, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5237 Stone Ridge Place · $628,900 · 4 bd / 3.5 ba · listed Aug 15, 2026 · listed by Maktub Realty
- 1224 Teal Creek Drive · $600,000 · 4 bd / 3.5 ba · listed Aug 15, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5166 Goldfinch Drive · $420,534 · 4 bd / 3.5 ba · pending · listed Aug 15, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5269 Kildare Place · $599,000 · 4 bd / 4.5 ba · pending · listed Aug 15, 2026 · listed by Taylor Morrison Realty Of Florida Inc
- 5162 Dominion Alley · $470,000 · 4 bd / 3.5 ba · pending · listed Aug 15, 2026 · listed by Taylor Morrison Realty Of Florida Inc
Recently sold in Waters At Center Lake Ranch St Cloud
- 957 Ladyfish Trail · sold $545,000
- 966 Top Minnow Road · sold $560,000
- 5292 Goldfinch Drive · sold $620,000
- 1032 Top Minnow Road · sold $461,000
- 1024 Teal Creek Drive · sold $465,000
- 813 Ladyfish Trail · sold $510,000
- 969 Ladyfish Trail · sold $650,000
- 662 Ladyfish Trail · sold $475,000
- 897 Ladyfish Trail · sold $569,659
- 5156 Dominion Alley · sold $388,034
Closed sales from the MLS; each page shows the sold price, taxes and value history.
More St Cloud home searches
- All homes for sale in St Cloud, FL
- Homes for sale in Osceola County, FL
- Gated communities in St Cloud
- St Cloud home values: what is my house worth?
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
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
Real estate agent in St Cloud? Join Momentum in St Cloud: 100% commission, one $12K cap.
Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Ladyfish Trail (1 homes on record)
What it really costs to own in Waters at Center Lake Ranch
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 $2,597/yr in CDD or special-district assessments on the tax bill (33 listings, MLS, 2026-11-14). 100% of the 33 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 | Median $84/month across 37 MLS listings (most billed monthly; 2026-11-14). Dues cover what the documents say they cover; ask for the budget and reserve study. |
| 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 33 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. 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 34 listings. Newer roofs and current wind-mitigation features usually mean the lower end of insurance quotes. |
Email me new listings in Waters at Center Lake Ranch
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 Waters at Center Lake Ranch
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waters at Center Lake Ranch will answer, and the answer is published on this page for the next buyer.
36% of homes for sale in Waters at Center Lake Ranch 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).
The Waters at Center Lake Ranch Market Scorecard
The Waters at Center Lake Ranch is currently a strong buyer's market. About 14.0 months of supply, a median asking price of $566,862, and homes go under contract in about 38 days.
Typical home value in the 34771 ZIP is $432,082, about 6.7% 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.
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?
What share of Waters at Center Lake Ranch is owner-occupied?
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?
Where is Waters at Center Lake Ranch, and what county is it in?
Is Waters at Center Lake Ranch in a flood zone?
Is Waters at Center Lake Ranch a good place to live?
Should you buy in Waters at Center Lake Ranch?
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: November 13, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (6 streets, ZIP 34771)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-13 |
| Historical depth | Closed-sale records back to 2026 (21 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. 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 Waters At Center Lake Ranch fits the bigger picture — live prices, inventory, and Momentum Scores: