Homes for sale in
St Cloud, Florida
Lakeside living with room to grow near Orlando
1,096
Homes for sale
$429,000
Median list price
$236
Avg price / sqft
47
Median days on market
St Cloud sits on the south shore of East Lake Tohopekaliga in Osceola County, a genuinely Florida small town that has grown into one of the metro's most active building corridors. You'll find historic streets near the lakefront alongside master-planned neighborhoods like Harmony West, Preston Cove, and Center Lake on the Park, plus an easy 41-minute run to Orlando International and about 54 minutes to Walt Disney World. It's a place that still feels like its own community while keeping Orlando's jobs and theme parks within reach.
The market here is deep and moving at a steady clip: 1,255 active listings, a median list price of $425,000, and homes going under contract in a median of 33 days. New building is a huge part of the story — 278 of the current listings are new construction — so buyers can choose between resale single-family homes and builder inventory. With sellers averaging 98% of asking, it pays to know which listings are fairly priced and which are just reduced.
St Cloud is in Osceola County, Florida.
Quick facts
$81,000 – $3.8M price range
1,983 sqft median home
$2,350/mo median rent
Leans seller right now
Drive times
Fresh on the market
Newest homes in St Cloud
View all 1,096 homes →
$280,000
4410 CAPITAL BLVD BOULEVARD, ST CLOUD
3 bd · 2.5 ba · 1,876 sqft
$557,000
1910 LEE WOOD COURT, ST CLOUD
5 bd · 3 ba · 2,188 sqft
$1,000,000
3215 TUCKER AVENUE, ST CLOUD
3 bd · 2 ba · 1,440 sqft
$750,000
5280 HAYWOOD RUFFIN ROAD, ST CLOUD
4 bd · 2 ba · 2,158 sqft
$3,400,000
5251 CARSON STREET, ST CLOUD
8 bd · 8.5 ba · 10,179 sqft
$414,900
3504 BLITHE COURT, ST CLOUD
3 bd · 2.5 ba · 2,004 sqft
$376,220
4060 WAVING HICKORY BOULEVARD, ST CLOUD
4 bd · 2.5 ba · 2,066 sqft
$565,000
1553 PINE MARSH LOOP, ST CLOUD
4 bd · 4 ba · 3,210 sqft
$398,075
4007 WAVING HICKORY BOULEVARD, ST CLOUD
5 bd · 3.5 ba · 2,335 sqft
$349,900
3832 BLACKBERRY CIRCLE, ST CLOUD
4 bd · 2 ba · 1,674 sqft
$306,000
2936 SUNRIDGE LOOP, ST CLOUD
2 bd · 2 ba · 1,601 sqft
$555,000
1787 CHATSWORTH CIRCLE, ST CLOUD
4 bd · 3.5 ba · 2,932 sqft
250 of 1,096 active listings shown
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Property features
The numbers that matter
The St Cloud market
Leans seller
4.6 months of inventory
Demand still outpaces supply, but buyers have a little more room.
2,828
Sold, last 12 months
$408,995
Median sold price
98%
Sale-to-list ratio
What sellers actually get vs asking
43 days
Median time to sell
St Cloud vs Osceola County
Median list price
Price per sqft
Days on market
Median sold price — 3-yr, 3-mo rolling
▼ 1.7% yr/yr
Homes on the market
▲ 8.5% yr/yr
Homes sold per month
Live Stellar MLS data — listings and closed sales in St Cloud, FL. Rolling medians smooth single-month swings in thin markets.
Where to look
St Cloud neighborhoods
Show all 1 St Cloud neighborhoods A–ZHide the full neighborhood list+
Neighborhood boundaries by edgeAI — listings matched to the actual polygon, not agent-entered subdivision names.
For the school run
School zones with homes for sale
Homes matched to official attendance boundaries — always verify zoning with the district.
Beyond the listings
Living in St Cloud
Lakefront and water views
With 93 waterfront listings near East Lake Toho, you can find [waterfront homes](/area/st-cloud-fl/waterfront-homes) or lower-priced options with [water views](/area/st-cloud-fl/homes-with-water-views).
A builder's market
278 of the active listings are new construction, giving buyers real choice across Harmony West, Brack Ranch, and other growing communities.
Easy Orlando access
Orlando International is about 41 minutes away and downtown Orlando roughly 45, making commutes and travel manageable.
Pools and gated options
129 homes come with a [pool](/area/st-cloud-fl/homes-with-pool) and 118 sit inside [gated communities](/area/st-cloud-fl/gated-communities) for buyers who want more privacy.
Room for 55+ buyers
With 79 active listings in [55+ communities](/area/st-cloud-fl/55-plus-communities), downsizers have real options here.
What it really costs
Owning here
Owning the median St Cloud home
≈ $2,925/mo
$429,000 median · 20% down · 30-yr fixed at 6.9% · taxes/HOA from live listing data · insurance is a Florida estimate.
10%
In a FEMA flood zone
Ask about flood insurance early — it changes the payment
$2,350/mo
Median rent
271 homes for rent right now
People who close here
Our St Cloud experts
Straight answers
St Cloud real estate FAQs
Is St Cloud a good place to live?+
St Cloud pairs a real lakeside small-town character with straightforward access to Orlando — about 45 minutes to downtown and 41 to the airport. Assigned schools include Harmony High, St. Cloud High, and Narcoossee Elementary, and the community mix ranges from historic streets to master-planned neighborhoods. It suits families, commuters, and downsizers alike.
Is St Cloud expensive?+
It's mid-range for the Orlando metro, with a median list price of $425,000 and homes selling at a median of $409,990 over the past year. Prices span widely, from around $97,500 up to $3.8 million, so you can browse by price to match your budget.
What do homes cost in St Cloud?+
The median home runs about $425,000 and 1,978 square feet, averaging $236 per square foot. Inventory is mostly single-family (1,001 listings) with 169 townhouses, 44 manufactured homes, and 19 villas rounding out the mix.
How is the St Cloud housing market right now?+
It's active and steady: 1,255 homes are listed, 2,771 sold over the last 12 months, and the median time on market is 33 days. Sellers are averaging 98% of asking, so well-priced homes move — check the open houses this week to get a feel for current listings.
What about HOA fees and property taxes?+
The median HOA runs about $100 a month, though newer master-planned communities can vary, and the median property tax is roughly $4,373 a year. For comparison, the median rent in the area is around $2,369 a month, which often makes buying competitive with renting.
Keep exploring
Nearby areas
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS. Market statistics are computed from listing and sold data and change as the market moves.
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