St Cloud (City of St Cloud) Homes with HOA Yes/No

St Cloud (City of St Cloud) Homes with HOA Yes/No

Welcome to the vibrant city of St. Cloud, located in Osceola County, Florida. Known for its small-town charm and friendly community, St. Cloud offers a high quality of life for residents of all ages.

For those seeking a sense of community and additional amenities, St. Cloud features a variety of homes with Homeowners Association (HOA) options. Whether you prefer the convenience of HOA-maintained common areas and services or the flexibility of a non-HOA property, there are plenty of options to suit your lifestyle.

St. Cloud boasts a range of housing options, from cozy single-family homes to spacious townhouses, ensuring there's something for everyone in this diverse real estate market. With easy access to outdoor recreational activities, top-rated schools, and bustling shopping and dining districts, St. Cloud offers the perfect blend of suburban tranquility and modern conveniences.

Whether you're looking to settle down in a tight-knit community or searching for your dream home, St. Cloud has something for every buyer. Discover the beauty and warmth of St. Cloud living and find your perfect place to call home in this charming Florida city.

Newest St Cloud (City of St Cloud) Homes with HOA Yes/No

$265,000
2 Beds ⋅ 2 Baths ⋅ Magnolia Glen SubDv. ⋅ 34769 Zip Code
Don’t miss this two-bedroom, two-bathroom home in St. Cloud’s Magnolia Glen community, complete with a NEW ROOF in 2026! This single-story townhome features an attached one-car garage and a spacious, functional floor plan. Step inside through the foyer, where a coat closet and linen closet provide convenient storage. The eat-in kitchen offers ample cabinet and counter space, a pantry closet, and a pass-through window overlooking the adjoining dining room. Just beyond the kitchen, the dining and living areas are highlighted by vaulted ceilings that create an open and inviting feel. The spacious primary suite features a walk-in closet, private bathroom with a walk-in shower, and sliding glass doors providing direct access to the screened patio. A second bedroom and full bathroom provide additional space for family, guests, or a home office. One of the highlights of the home is the approximately 26-foot-long screened patio, accessible from both the living room and primary bedroom and offering plenty of room to relax and enjoy the outdoors. A separate utility room with washer and dryer hookups is conveniently located just off the patio. Magnolia Glen residents enjoy access to a community pool, while HOA-provided grounds maintenance allows for a low-maintenance lifestyle without the responsibility of routine lawn care. With a new roof, comfortable single-story layout, attached garage, generous screened outdoor living space, and convenient St. Cloud location, this townhome is ready for its next owner. Schedule your showing today!

3341 Celena Circle, St Cloud
$280,000
3 Beds ⋅ 3 Baths ⋅ Anthem Park Tr G Rep SubDv. ⋅ 34769 Zip Code
Short Sale. Just TWO YEARS OLD and designed for easy living, this beautifully maintained END-UNIT TOWNHOME offers the space, natural light, and features that make it feel more like a single-family home. EXTRA WINDOWS along the side of the home fill the living spaces with natural light, creating a bright and welcoming atmosphere from the moment you walk through the door. The main level features an OPEN-CONCEPT LAYOUT with NO CARPET DOWNSTAIRS, making everyday living and entertaining simple. One of the home's most versatile features is the generous STORAGE AREA BENEATH THE STAIRS—ideal for additional storage, a cozy reading nook, a play space, or a dedicated spot for your pet. Upstairs, a LARGE LANDING provides valuable FLEXIBLE SPACE with enough room for a comfortable chair, small desk, or reading area. The thoughtful layout keeps the BEDROOMS AND LAUNDRY ROOM TOGETHER for added convenience. The PRIMARY SUITE offers a PRIVATE EN-SUITE BATHROOM, creating a comfortable retreat at the end of the day. Step outside and discover a COMMUNITY FILLED WITH AMENITIES, including a RESORT-STYLE POOL, PLAYGROUND, BASKETBALL COURT, TENNIS COURTS, GAZEBOS, PICNIC AREAS, WALKING PATH, and COMMUNITY DOCK. The location adds even more convenience, with the NEIGHBORHOOD ELEMENTARY SCHOOL VERY CLOSE and US 192 JUST MINUTES AWAY, putting shopping, dining, entertainment, and everyday essentials close to home. With its NEARLY NEW CONSTRUCTION, END-UNIT LOCATION, ABUNDANT NATURAL LIGHT, FLEXIBLE STORAGE, CONVENIENT UPSTAIRS LAUNDRY, and AMENITY-RICH COMMUNITY, this townhome offers a fantastic opportunity to enjoy a LOW-MAINTENANCE FLORIDA LIFESTYLE without giving up the feeling of space and comfort.

5170 Quakers Place, St Cloud
$295,000
3 Beds ⋅ 3 Baths ⋅ Town Center Villas SubDv. ⋅ 34769 Zip Code
Welcome to this spacious three-bedroom, two-and-a-half-bath townhome in St. Cloud, offering over 1,900 square feet of living space. As you arrive, you’re greeted by an attractive brick exterior, a paver driveway and walkway, covered front entry, and attached one-car garage. Step inside to a tiled entryway that leads toward the main living areas at the rear of the home. The bright, open living and dining space is filled with natural light from large windows and a sliding glass door leading to the covered back porch. Fresh interior paint, new carpet, updated light fixtures, and ceiling fans give the home a clean, refreshed feel. The kitchen features stainless steel appliances, a closet pantry, breakfast bar, and ample counter and cabinet space. Between the kitchen and garage, the interior laundry room offers plenty of open shelving for additional storage. The spacious primary suite is located on the first floor and features a private en suite bathroom with a walk-in shower. Upstairs, two additional spacious bedrooms share a Jack-and-Jill bathroom complete with a dual vanity and a tub/shower combination. Step outside to the nearly 300-square-foot covered back porch, providing plenty of room for outdoor seating, dining, or entertaining. The porch overlooks a landscaped green space accented by mature trees, creating an inviting outdoor extension of the home. Conveniently located in St. Cloud near shopping, dining, downtown St. Cloud, and the St. Cloud Lakefront, this home combines a spacious floor plan with a great location and plenty of indoor and outdoor living space. Don’t miss the opportunity to make this spacious St. Cloud townhome your own—schedule your private showing today!

3420 Home Town Lane, St Cloud
$339,900
4 Beds ⋅ 3 Baths ⋅ Sanctuary At Southtown SubDv. ⋅ 34769 Zip Code
Welcome to this 4-bedroom, 2.5-bathroom home located in the desirable Sanctuary At Southdown neighbourhood. This home features a welcoming open floor plan that creates a seamless flow throughout the main living areas, making it an excellent space for entertaining. The kitchen is beautifully updated, boasting durable countertops and stainless steel appliances. Retreat to the primary bedroom, which includes a large walk-in closet and an en-suite bathroom complete with a double sink vanity. Step outside to enjoy the privacy of a fully fenced-in backyard, perfect for outdoor relaxation. Conveniently located near the Florida Turnpike, this home offers easy access to nearby shopping, dining, medical centres, and popular Central Florida attractions. Schedule your private showing today!

3606 Sanctuary Drive, St Cloud
$265,000
3 Beds ⋅ 3 Baths ⋅ Jefferson Green At Anthem Park Condo Ph 24 SubDv. ⋅ 34769 Zip Code
Welcome to this 3-bedroom, 2.5-bath home with a 2-car garage located in Jefferson Green at Anthem Park. The home features an open floor plan with a spacious living room, cozy fireplace, and dining area. The kitchen offers granite countertops, a stylish backsplash, and brand-new smart appliances, providing both convenience and modern functionality. The HVAC system is only one year old, offering added peace of mind. The primary bedroom includes an ensuite bathroom with dual sinks for added convenience. Step outside to the covered patio, perfect for relaxing or enjoying the Florida weather. Enjoy wonderful community amenities, including tennis, volleyball and basketball courts, a community pool, fitness center, walking trails, and a fishing pier. Conveniently located near the Florida Turnpike and just minutes from I-4 and Highway 192, providing easy access to shopping, dining, entertainment, and major Central Florida attractions.

2264 Betsy Ross Lane Unit 2264, St Cloud
$379,700
3 Beds ⋅ 3 Baths ⋅ Pinewood Gardens SubDv. ⋅ 34769 Zip Code
Welcome home to a lifestyle designed for comfort, space, and everyday enjoyment! Built in 2019, this beautiful two-story home offers 3 bedrooms, 2.5 bathrooms, a spacious den, and a 2-car garage, combining modern features with a warm and inviting feel. The open-concept living area flows seamlessly into a stylish kitchen featuring a large center island with seating, granite countertops, stainless steel appliances, and plenty of cabinetry—perfect for casual mornings, entertaining friends, or gathering with family. Step outside and enjoy a generous private, fully fenced backyard with an extended paver patio, offering plenty of room for outdoor dining, entertaining, pets, play, or simply relaxing and enjoying the Florida lifestyle. Inside, crown molding throughout the home adds an elegant finishing touch, while a smart home system with Alexa brings convenience to your daily routine. The home is also equipped with a water softener/filtration system for added comfort. The spacious den provides the flexibility today's lifestyle demands—ideal for a home office, media room, playroom, or additional living space. Upstairs, the bedrooms offer a comfortable retreat from the main living areas. Modern, spacious, move-in ready, and designed for both entertaining and everyday living—this is a home where you can truly settle in and enjoy the Florida lifestyle. Schedule your private showing today!

3821 Pinewood Gardens Boulevard, St Cloud
$265,000
2 Beds ⋅ 2 Baths ⋅ Pine Lake Villas SubDv. ⋅ 34769 Zip Code
Move-in ready and thoughtfully maintained, this 2-bedroom, 2-bath villa in Pine Lake Villas puts single-story, low-maintenance living just minutes from downtown St. Cloud. Inside, 1,136 square feet are laid out for easy living, with tile flooring throughout, a kitchen finished with a tile backsplash and stainless steel appliances, and major systems already handled for you: windows replaced in 2020, the roof in 2015, and the HVAC system in 2014. A private front patio welcomes you home, while the large screened back lanai extends the living space outdoors — ideal for morning coffee or unwinding at the end of the day. Pine Lake Villas offers the kind of quiet, established neighborhood feel that's increasingly hard to find, with easy access to US-192 and Florida's Turnpike putting Orlando's job centers, Lake Nona's Medical City, and Orlando International Airport within convenient reach. Everyday life stays simple here, with nearby supermarkets, dining, and Orlando Health St. Cloud Hospital all close by, and downtown St. Cloud's lakefront district — with its shops, restaurants, and waterfront park on East Lake Toho — just a short drive away. The area continues to see meaningful investment, from planned improvements to the Turnpike and Canoe Creek Road to a revitalized downtown lakefront district, adding long-term value to this already convenient location. Low-maintenance, updated, and centrally located — this is an opportunity to settle into St. Cloud living with the big-ticket items already done.

3712 Bay Court, St Cloud
$365,000
4 Beds ⋅ 2 Baths ⋅ Pine Chase Estates Unit 2 SubDv. ⋅ 34769 Zip Code
Welcome to this beautifully updated 4-bedroom, 2-bath home in the desirable Pine Chase community of St. Cloud. This move-in ready home features a modern kitchen with newer appliances, a spacious open layout, and a large backyard perfect for entertaining, pets, or relaxing. Conveniently located just minutes from the Florida Turnpike, shopping, dining, schools, and Lake Nona, this home offers the perfect combination of comfort, convenience, and location.

2472 Pine Chase Circle, St Cloud
$250,000
4 Beds ⋅ 2 Baths ⋅ Natchez Trace SubDv. ⋅ 34769 Zip Code
Located in the established Natchez Trace subdivision, this 4-bedroom, 2-bathroom home sits on nearly a quarter-acre lot and offers endless potential for buyers looking to add their own style and value. Featuring a spacious split-bedroom floor plan, vaulted ceilings, and an open-concept living, dining, and kitchen area, the home provides a functional layout that's ready for your personal touch. The kitchen offers generous cabinet and countertop space and flows seamlessly into the main living area, creating an inviting space for everyday living and entertaining. The primary suite features a large walk-in closet and a private en-suite bathroom, while two additional bedrooms and a full guest bathroom provide flexibility for family, guests, or a home office. Step outside to a spacious backyard with plenty of room to create your ideal outdoor retreat. The covered patio offers the perfect place to relax, entertain, or enjoy Florida's beautiful weather while the expansive yard provides endless possibilities for gardening, recreation, or future enhancements. Whether you're a first-time buyer looking to build equity, an investor searching for your next opportunity, or someone ready to customize a home to fit your vision, this property offers incredible potential in a convenient St. Cloud location. With a little TLC, this home has the potential to truly shine. Just minutes from Historic Downtown St. Cloud, East Lake Tohopekaliga, shopping, dining, schools, parks, and major roadways providing easy access to Orlando, this home combines location, space, and opportunity at an exceptional value.

3917 Natchez Trace Drive, St Cloud
$319,900
3 Beds ⋅ 2 Baths ⋅ Canoe Creek Estates SubDv. ⋅ 34769 Zip Code
Virtually Staged. A cozy home on a fabulous lot, located in a community with a low HOA, community pool and playground, this home combines affordability, comfort, and convenience in a desirable St. Cloud location. A charming 3-bedroom, 2-bathroom home that offers 1,062 square feet of comfortable living space with thoughtful updates throughout. Step inside to discover soaring high ceilings that create an open and airy feel, along with beautiful new flooring that flows throughout the home. Enjoy year-round relaxation in the enclosed patio featuring clear vinyl windows, perfect for enjoying Florida's sunshine while staying protected from the elements. The updated windows provide energy efficiency and abundant natural light, while the new home and patio roofs give peace of mind. Outside, the fully fenced backyard offers privacy and plenty of space for pets, play, or outdoor entertaining. St Cloud is a growing city with a quaint hometown feel; just east of Walt Disney World Resort area and south of Lake Nona, home to Medical City, with Nemours, University of Florida and VA Hospitals and the United States Tennis Association Complex. It is just minutes to the Orlando International Airport as well as a straight shot to the Atlantic Ocean East Coast of Florida. Don't miss the opportunity to make this move-in-ready home your own!

2918 Canoe Circle, St Cloud
$349,900
4 Beds ⋅ 2 Baths ⋅ Blackberry Creek Unit 3 SubDv. ⋅ 34769 Zip Code
Virtually Staged. MOVE-IN READY AND BEAUTIFULLY REFRESHED, THIS 4-BEDROOM, 2-BATH HOME OFFERS 1,670 SQUARE FEET OF THOUGHTFULLY DESIGNED LIVING SPACE IN THE HIGHLY SOUGHT-AFTER BLACKBERRY CREEK COMMUNITY. THE OPEN-CONCEPT FLOOR PLAN FEATURES A SPACIOUS GREAT ROOM THAT FLOWS SEAMLESSLY INTO THE DINING AREA AND KITCHEN, COMPLETE WITH A BREAKFAST BAR, PERFECT FOR EVERYDAY LIVING AND EFFORTLESS ENTERTAINING. BEST OF ALL, ALL APPLIANCES CONVEY, INCLUDING THE WASHER AND DRYER. EXTEND YOUR LIVING SPACE OUTDOORS WITH THE SPACIOUS SCREENED-ENCLOSED PATIO, AN IDEAL SETTING FOR MORNING COFFEE, WEEKEND GATHERINGS, OR RELAXING WHILE OVERLOOKING THE FULLY FENCED BACKYARD WITH PLENTY OF ROOM FOR PETS, PLAY, OR GARDENING. THIS HOME HAS BEEN METICULOUSLY MAINTAINED AND HAS MANY UPDATES FOR ITS NEXT OWNER. MAJOR IMPROVEMENTS INCLUDE A NEW ROOF (2021), NEW A/C (2026), AND WATER HEATER (2020). ADDITIONAL RECENT ENHANCEMENTS INCLUDE FRESHLY PRESSURE-WASHED AND SEALED EXTERIOR PAINT, PROFESSIONALLY PRESSURE-WASHED DRIVEWAY AND SIDEWALKS, PROFESSIONAL INTERIOR CLEANING, AND FRESHLY CLEANED CARPETS. MAKING THIS HOME TRULY MOVE IN READY FROM DAY ONE. CONVENIENTLY LOCATED NEAR SHOPPING, DINING, SCHOOLS, AND MAJOR ROADWAYS, THIS EXCEPTIONAL HOME COMBINES COMFORT, FUNCTIONALITY, AND PEACE OF MIND IN ONE OF THE AREA'S MOST DESIRABLE COMMUNITIES. DON'T MISS YOUR OPPORTUNITY TO MAKE THIS BLACKBERRY CREEK GEM YOUR OWN!

3832 Blackberry Circle, St Cloud
$270,000
2 Beds ⋅ 2 Baths ⋅ Brodan Square SubDv. ⋅ 34769 Zip Code
Welcome to the only community that provides maintenance free living in downtown Saint Cloud. It's the best of both worlds. Lawn care and exterior maintenance provided with small town living and lots of activities at Lakefront park and downtown St Cloud. New roof in 2022. This beautiful villa has been updated with granite countertops, stainless steel appliances, white cabinets, and laminate floors. The main living areas have high vaulted ceilings and plenty of natural light with a skylight. The enclosed Florida room has plantation shutters with lots of windows. Each unit has private covered parking and an outdoor storage shed in this well maintained community. Come visit this home today.

909 Illinois Avenue, St Cloud
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