Whaleys Creek
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
As of September 2026, the MLS records 47 closed sales in Whaleys Crk Ph 3 in St Cloud, FL since 2018, the most recent in July 2026. Recorded prices since 2024 ran from $380,000 to $480,000 (median $419,000), on homes of 1,859 to 2,565 sq ft. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $6,380 ($5,780 with the full homestead exemption).
| Location | St Cloud, Osceola County, FL · ZIP 34772 |
|---|---|
| Homes in the community | 481 (FL DOR 2025 assessment roll) |
| Years built | 2016–2020 (median 2018) |
| Typical living area | 2,505 sq ft (median) |
| Owner-occupied (homestead) share | 80% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2018 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Whaleys Crk Ph 3 key facts,” movewithmomentum.com/neighborhoods/whaleys-crk-ph-3, data as of September 20, 2026.
Whaleys Crk Ph 3 is a small, defined phase within a larger St Cloud community, and as of mid-July 2026 the recorded closing window here is empty. That means we have no verified sale to anchor a median or a trend on this specific phase right now. When there's no closed comp, price gets set by condition, lot position, and whatever's actively listed or coming out of the resale pipeline nearby — not by a number I can hand you with a straight face.
For a seller, thin recent activity cuts both ways: less noise from a discounted neighbor, but also no fresh comp to lean on when an appraiser or a buyer's agent asks what things actually trade for here. For a buyer, it means do your homework on the wider St Cloud and Osceola market and price the home in front of you on its merits, because this phase isn't going to give you a tidy recent-sales pattern to hide behind.
Nearby homes for sale
No active listings inside Whaleys CreekHomes for Sale in St. Cloud, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
This is a newer, tightly bounded phase in St Cloud's Osceola County growth corridor, and with no closings on record in the current window, it trades on individual home condition and the surrounding market rather than an established local price history.
Stellar MLS sales records identify 152 homes in Whaleys Creek that have changed hands since 2016, built between 2016 and 2020 (median 2018), with a median living area of about 2,162 sq ft and a typical 4-bedroom, 2-bath layout; 93% 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.
County records show 16 qualified sales in Whaleys Creek across 2024–2025 (8 in 2024, 8 in 2025), median $430,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Whaleys Creek is best for.
Best for
- Buyers who want a newer home in the St Cloud growth corridor and can evaluate a property on condition and finish
- Sellers willing to price on documented area comps rather than a phase-level number that doesn't exist yet
- Buyers who value a quieter resale market with less competing discounted inventory
Probably not for
- Buyers who require an established local price history and recent closings before making an offer
- Sellers expecting to anchor to a proven phase-specific median right now
- Anyone relying on automated online valuations to set their number
The market around Whaleys Creek
Whaleys Creek is too small for its own price trend, so here is the market around it.
In ZIP 34772, 511 homes are on the market and 28% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
In ZIP 34772 (St Cloud), 1,994 homes closed in the last 12 months at a median of $410K ($206/sq ft), down 1.0% year over year, with a median 43 days on market. Right now 321 active and 158 pending listings put supply at about 3.7 months — a healthy market. See the live ZIP 34772 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Whaleys Creek specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Whaleys Crk Ph 3, 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.
The Whaleys Creek buying strategy.
If we were buying in Whaleys 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 Whaleys Creek.
Pricing a phase with no recent comps
The honest complication with Whaleys Crk Ph 3 today is data scarcity. A single phase is a narrow slice of a subdivision, and when the closing window shows zero, you're valuing off adjacent phases, active inventory, and the broader St Cloud resale picture — all of which need adjustment for lot, floor plan, and upgrades before they mean anything for a specific address.
That puts a premium on getting the property specifics right. Two homes on the same street here can justify very different numbers based on condition and finish, and without a recent sale to check against, the spread in what buyers are willing to pay tends to widen. Expect the negotiation to hinge on the house itself and on comparable evidence pulled from the wider area, not on a phase-level average.
The location and the amenities are priced into every listing in Whaleys Creek. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
When a phase has no recent closings, generic online estimates are guessing, and we don't. We build the value case from adjacent phases, live inventory, and verified St Cloud and Osceola comps, then adjust for the actual home in front of us — so buyers and sellers both walk in with a defensible number instead of a hopeful one.
Whaleys Creek in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
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 Whaleys 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 Whaleys Creek sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Whaleys 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 Whaleys Creek home worth?
Get a no-obligation home value based on real comparable sales in Whaleys 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.
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Frequently Asked Questions
How many homes are in Whaleys Creek?
What share of Whaleys Creek is owner-occupied?
When were the homes in Whaleys Creek built?
Who is the best real estate agent for Whaleys Creek?
How do I find a top St Cloud real estate agent who knows Whaleys Creek?
Can Momentum Realty connect me with an agent for Whaleys Creek?
Where is Whaleys Creek, and what county is it in?
Should you buy in Whaleys Creek?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Housing stock & ownership | Florida DOR assessment roll (street-list match (7 streets, ZIP 34772)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2018 (47 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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