October 2025 St. Cloud Market Report: The "New Normal" for Sellers 🏡📉

Welcome to the Corcoran Connect blog! Your real estate concierge team is here with the latest data from Episode 95 of the Discover St. Cloud, Florida podcast. In this report, brokers Jeanine Corcoran and Kristin Macari dive into the October 2025 numbers, which solidify a tough reality for sellers: the effortless days of the 2020–2022 market are over.

Sellers who succeed in St. Cloud are those who invest in their home and aggressively compete against new construction incentives.

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Key Market Trends: High Expectations, Low Patience

The overriding theme this month is the shift back to a "traditional" market where preparation and correct pricing dictate success.

• Longer Closings: Across all zip codes, days to close are extending, with many transactions pushing 3 to 4 months. This is often due to high rates of contracts falling through.
• Downard Pressure: Most areas are seeing month-over-month price per square foot decreases, indicating continued market softening.

• The Competition: Resale homes are up against new construction offering major incentives, including rates as low as 4.5% and covering all closing costs.
• Inventory Creep: The month's supply is rising in several zip codes, suggesting sellers must lower prices or significantly upgrade their homes to avoid long market times.

St. Cloud Data by Zip Code: October 2025 📊

Here is a summary of the key statistics for October 2025 resale homes:

• ZIP Code 34769:
  • Price per square foot saw a significant jump (up 10% MoM, though likely skewed by high-end sales).
  • Properties are taking significantly longer to sell, with a median of 39 days to contract and 93 days to close (3 Months).
  • Supply is rising to 3.6 months.
• ZIP Code 34771:
  • Prices declined 3.25% month-over-month.
  • Median time to get a resale home under contract is 66 days (2 Months), with 133 days to close (4+ Months).
  • The current supply is 5.0 months.
• ZIP Code 34772:
  • Prices declined 1.0% month-over-month.
  • The transaction timeline is long, with 51 days to contract and 96 days to close (3 Months).
  • The current supply is 4.0 months.
• ZIP Code 34773 (Wider Area):
  • Prices saw a slight increase month-over-month (up 1.0%).
  • Median days to contract is an extreme 124 days (4+ Months), with 167 days to close (5-6 Months). This reflects the intense difficulty resales have in competing with new construction.
  • The current supply is 4.0 months.

Harmony Community Deep Dive: The Resale Battle 💔

The struggle for sellers in the Harmony area (34773) is particularly acute, largely due to competing with heavily incentivized new homes.

• Harmony Main Crisis: Only 2 resale properties sold this month, contributing to an alarming 20-month supply based on current sales pace versus listings.
• Pricing Reality: Sellers of older homes must face the reality that aggressive pricing is necessary to move properties.
• Seller Competition: Sellers of original Harmony homes (2003–2015 construction) must invest in paint and address major components like the roof, AC, and water heater to compete with brand-new homes.

The Mandatory Seller Checklist (Listen Up!) 📋

To compete with new construction, Jeanine Corcoran insists sellers stop offering credits and start investing upfront. Corcoran Connect's essential steps before listing include:

1. Immaculate Paint: Paint the entire interior, baseboards included. Neutralize any bold or customized colors.
2. Scrubbed Cleanliness: Eliminate all odors and ensure grout, window sills, and blinds are spotless. Buyers think dirty windows mean a filthy house.
3. Pressure Washing: Clean driveways and front patios to establish a strong first impression.
4. Working & Matching Lights: Replace ALL burnt-out light bulbs and ensure they are the same color temperature (avoid mixing soft and cool tones).

We Are Here to Help 💚

The market may feel complicated, but having accurate, local data is the key to success. As your real estate concierge team at Corcoran Connect, we specialize in helping sellers compete and guiding buyers through a market with volatile timelines.

Whether you're struggling to sell an older home or you are a potential buyer waiting for a specific interest rate, we are here to provide a personalized strategy.

📞 Phone: 1-844-STCLOUD (1-844-782-5683)📧 Email: discoverstcloud@gmail.com