New construction, St. Cloud

Stonecrest: new D.R. Horton homes on Canoe Creek Road, St. Cloud

Stonecrest is a new single-family community taking shape on Canoe Creek Road, just south of St. Cloud in Osceola County. The plat recorded with the county in early October 2026, the pad and the stormwater pond are already cut, and D.R. Horton has named the community and described the homes. What has not been released is everything a buyer needs to run the numbers: prices, floor plans, square footage, and whether this neighborhood will carry a community development district assessment on top of the tax bill.

So below is what is released, what is not, what is genuinely around this stretch of Canoe Creek Road, what it really costs to own a house in this county, and the one question about Stonecrest that is worth asking before anything else.

Builder

D.R. Horton

Size

About 95 to 97 homes

Stage

Platted, site work underway

Subdiview is not affiliated with, endorsed by, or sponsored by D.R. Horton. D.R. Horton and its community names are trademarks of their respective owners and are used here for identification only. All community information is compiled from public records and is subject to change.

Stonecrest at a glance

Released facts are stated plainly. Everything that has not been released is marked as such rather than filled in with a guess, because a number you cannot rely on is worse than no number.

Builder

D.R. Horton

Where

Canoe Creek Road near Deer Run Road, St. Cloud 34772, Osceola County

Home types

Single-family, one and two story, all concrete block

Approximate size

About 95 to 97 homesites on roughly 21 acres

Land owner today

Forestar, the land and lot company in the D.R. Horton group

Flood mapping

Mapped outside the special flood hazard area at the community's mapped location

School district

School District of Osceola County, one countywide district

Starting prices

Not yet released. Get pricing

Floor plans and square footage

Not yet released. Get pricing

HOA dues and any CDD assessment

Not yet released. Get pricing

Model home or sales center

Not yet released. Get pricing

Zoned elementary, middle and high school

Not yet released. Get pricing

Street names and lot addresses

Not yet released. Get pricing

Details on this page are compiled from public entitlement records and are targets, not commitments. Pricing, floor plans, home counts, and timing have not been released by the builder and are subject to change without notice.

What has been released about Stonecrest

D.R. Horton has described Stonecrest as a community of single-family one-story and two-story homes with spacious floorplans, built with all concrete block construction, which in Florida matters for both insurance and for how the house feels in August. The homes are to come with smart home technology, so the thermostat, lighting and security features are controllable from a phone, and with open-concept layouts. The series assigned to Stonecrest is the one this builder uses for its more attainably priced detached product in Central Florida.

On the ground the project is further along than an empty field would suggest. Earthmoving started in the spring of 2026, and by the autumn the site had a graded pad and a stormwater pond of roughly an acre and a half. Contractors recorded notices for site development, retaining walls and fencing across the spring, summer and fall, and the county issued a fence permit in September. Nothing vertical has been permitted yet, which is the normal order: lots get built before houses do.

County plans describe about 95 to 97 single-family detached lots across roughly 21 acres. Two closely related plan sets give slightly different counts, so the final lot schedule is not settled, and we would rather give you the range than sound more certain than we are. At that density, expect lots in the fifty-foot-wide range.

The land itself is still owned by Forestar, the land and lot company inside the D.R. Horton group. Forestar buys raw land, carries it through entitlement, installs the roads, water, sewer and drainage, and then sells finished lots to the homebuilder. That handover has not happened at Stonecrest yet. It is an ordinary sequence, not a sign of trouble, but it is why county records still show a land company rather than a homebuilder as owner, and it is a clue about timing: the lots close before the model opens.

Where this actually is

Stonecrest fronts Canoe Creek Road, south of the built-up part of St. Cloud. Within a quarter mile of the community's mapped location, Canoe Creek Road is the only road that touches it. The nearest cross streets are Deer Run Road and Friars Cove Road, with Cord Avenue, McClelland Road, Glassman Road and Lippman Road a little further out. That tells you something real about the setting: this is the edge of the subdivision pattern, not the middle of it.

Be precise about the address, because the mailing address and the jurisdiction are not the same thing. County mapping places this site outside the St. Cloud city limits, in unincorporated Osceola County, with a St. Cloud mailing address in the 34772 ZIP code. The site development plan and the permits issued on the parcel so far came from the county rather than the city, which is consistent. That is not trivia: it can change which utility bills you, who you call about a code question, and which assessments appear on the tax bill. City limits out here are irregular and annexation happens, so confirm it for the specific lot before you sign anything.

What is around you is a genuine mix. The immediate neighbors are one-acre homesteads, some from the seventies and eighties and some only a couple of years old, on roads like Cord Avenue, Crosley Avenue, Edsel Avenue, Doe Drive and Oakwood Drive. There is a working sod farm on Canoe Creek Road, an RV resort on Canoe Creek Road, and a manufactured-home community nearby. Two newer platted subdivisions adjoin, Whaleys Creek and Doe Run at Deer Creek, each with its own homeowners association. If your picture of a new Central Florida subdivision is a wall of identical rooflines, this is not quite that; if your picture is open countryside, it is not that either. It is rural land being converted with the older rural uses still in place around it, and it is worth standing on Canoe Creek Road on a weekday before you decide how you feel about it.

The road is the thing most worth understanding. Osceola County has a programmed project to reconstruct 4.65 miles of Canoe Creek Road, from Deer Run Road north to US 192, from the existing two lanes to a four-lane divided roadway, with a ten-foot shared use path on one side and a six-foot sidewalk on the other. The study phase is complete and design is underway. Right-of-way acquisition and construction are not fully funded, and construction on the southern segment is currently shown for around the end of this decade, with the segment nearer US 192 still to be determined. Two things follow. First, Stonecrest sits essentially at the southern end of those limits, which makes the drive to US 192 about four and a half road miles up Canoe Creek Road. Second, for the next several years that drive is on a two-lane road, and the widening is a plan subject to board approval and funding, not a delivery date.

From US 192 the rest of Central Florida opens up: Florida's Turnpike, the Lake Nona and Medical City employment cluster to the north, Orlando International Airport, and the shopping and dining along the 192 corridor through St. Cloud and Kissimmee. The builder's description of the community leans on exactly those, and they are real. The honest footnote is that every one of them is reached by first driving north on Canoe Creek Road, so the commute is only as good as that road is.

What it costs to own here

Florida has no state income tax, which is the headline. The rest of the arithmetic is less famous and it is where new-construction buyers get surprised.

On property tax, a 2025 Osceola County tax notice totalled about 16.5 mills, spread across the county's own levy, the state and local school levies, an emergency medical taxing unit and the library. Non-ad-valorem assessments sit on the same bill as separate dollar line items rather than as a rate, and on a 2025 notice those included a residential fire and rescue assessment and a small household chemical collection charge. Florida's homestead exemption is set by state law and the state constitution, not by the county, at $51,411 for a primary residence, and part of that exemption does not apply to the school portion of the bill. The practical advice: build your estimate off the price you are going to pay for a new house, not off whatever the land is currently assessed at, because a new home resets the assessment.

On insurance, the Florida statewide average annual homeowners premium was about $1,843 as of April 2026. Treat that as a reference point, not a quote. New all-concrete-block construction with a current wind mitigation report generally prices better than older stock, which is a real advantage of buying new here, but premiums vary enormously by carrier, deductible structure and address. Get a bindable quote on a real address before a lender tells you what your payment will be.

On flood, at the location the builder has mapped for this community the site is mapped outside the special flood hazard area. That is good news and not the whole story: mapped special flood hazard areas begin within a few hundred yards, which is unsurprising on land this flat and this close to the Canoe Creek drainage. Flood mapping is parcel-level and sometimes lot-level, so ask for the determination on the exact homesite, not on the community. A lender will require it anyway, and you want to see it before you choose a lot.

On schools, Osceola County operates as a single countywide district, so there is no ambiguity about which district serves Stonecrest. The district earned a B for the 2024-25 school year, its best district grade so far, with 23 of its 75 rated schools earning an A, up from 12 the year before. What is not established is the specific zoned elementary, middle and high school, and the reason is simple: no addresses have been assigned inside the subdivision yet, so there is nothing to run through the district's attendance boundary lookup. When the addresses exist, that district lookup is the authority. Do not take a school assignment off a listing portal for a community that does not have addresses yet, and be aware that fast-growing districts rezone.

Price context, with the dates attached

No price has been released for Stonecrest, and we are not going to invent one or borrow one from an estimate engine. What we can do is tell you what the surrounding market is doing and what this builder is currently charging a few miles away, so that when a number does land you have something to measure it against.

Across St. Cloud the median sale price was $414,990 as of November 2, 2026, up about 0.1 percent year over year. That is a flat market. Inventory sat at roughly 5.4 months of supply with a median of about 46 days to go under contract, which is balanced-to-buyer-friendly by Central Florida standards. In practical terms that is the environment in which a builder gets generous: rate buydowns, closing cost credits and included upgrades do more work than list-price cuts, because the list price protects the appraisals on the rest of the phase.

For a builder-specific reference point, as of November 4, 2026 D.R. Horton published starting prices for its three nearest Osceola County communities in the $370s, the $340s and the $325s. Those are those communities' prices, not Stonecrest's, and they are not a forecast for this one. Lot sizes, product series, amenity programs and assessment structures all differ between them, which is most of why the three numbers are not the same as each other. Read them as a band for what this builder is selling in this county right now, and remember that a starting price is the smallest plan on the smallest lot with nothing added.

One more honest note. A new house is not automatically the better value against resale. In this part of Osceola County you are often choosing between a new fifty-foot-lot home with a warranty and a possible assessment, and an older one-acre homestead with no association and a roof you will be replacing. Those are different products, and the right answer depends on what you want from the land.

How it compares nearby

Prices below are as published by the builder on November 4, 2026, and the CDD column reflects Osceola County's own district directory as of the same date.

Read the last column before the third one. A community whose published start is lower can easily cost more per month than one whose published start is higher, once the assessment is in the payment. That is the whole reason this table has four columns instead of three.

Buying a new D.R. Horton home, in practice

New construction runs on different rules from resale, and most of them favor the builder unless somebody is watching. A few things worth knowing before you walk into any model.

Register your representation first. This is the one that costs real money if you get it wrong. Most builders run a registration policy under which the first visit decides who, if anyone, is recognized as your agent for that community. Walk in alone, sign the visitor card, and you have generally spent that right no matter who you call afterwards. The fee does not come back to you; it stays with the builder.

Understand what the on-site agent is. The person in the sales office is a licensed professional, often a good one, and they represent the seller. Their job is to sell that builder's homes on that builder's paper at that builder's price. That is a disclosure, not a criticism.

Read the builder contract as a document, not a formality. Builder purchase agreements are drafted by the builder and are not the standard state form. Watch how the completion date is defined and what happens if it slips, whether the deposit is refundable at each stage, how change orders are priced, what the warranty covers and for how long, how disputes are resolved, and whether the price is locked against increases. In a market this flat, those terms are more negotiable than buyers assume.

Treat the builder's lender as one option, not the option. Incentives are often tied to using the affiliated lender, and sometimes that package genuinely is the best deal on the table, especially where a rate buydown is involved. Sometimes it is not. Price it against an outside lender and compare the whole cost, not the headline rate.

Get your own inspections. A new home is built by people, in volume, on a schedule. An independent inspection before drywall and another before closing routinely find things worth fixing while they are still somebody else's responsibility. The municipal inspection is a code check, not a quality check.

And pick the lot with the same care as the floor plan. With mapped special flood hazard areas nearby, a stormwater pond on the site plan and Canoe Creek Road on one boundary, the lot will matter to your insurance, drainage, noise and resale. A floor plan can be built on any street. A lot cannot be changed later.

Stonecrest questions, answered