St Cloud (Narcoossee Road) Homes with HOA Yes/No

St Cloud (Narcoossee Road) Homes with HOA Yes/No

Welcome to St. Cloud, located in the beautiful state of Florida, in Osceola County. Nestled along Narcoossee Road, this charming city offers a wonderful blend of suburban tranquility and urban convenience.

For those looking for a community with Homes Owner Associations (HOA), St. Cloud has a range of options to suit your needs. Whether you prefer the amenities and services that come with an HOA or the freedom of a non-HOA property, St. Cloud has something for everyone.

With its picturesque landscapes, vibrant community spirit, and easy access to shopping, dining, and entertainment, St. Cloud is the perfect place to call home. From cozy single-family homes to spacious townhouses, there are plenty of housing options to choose from in this diverse city.

Whether you're a first-time homebuyer, a growing family, or someone looking to downsize, St. Cloud has something to offer everyone. Come and discover why St. Cloud along Narcoossee Road is not just a place to live, but a place to thrive. Let us help you find your dream home in this wonderful city!

Newest St Cloud (Narcoossee Road) Homes with HOA Yes/No

$399,000
3 Beds ⋅ 2 Baths ⋅ Sweetwater Creek Unit 1 SubDv. ⋅ 34772 Zip Code
Virtually Staged. You’ll fall in love with a sweet life on Sweetheart Ct! This beautiful move-in-ready home offers the perfect blend of modern updates, functional space, and major big-ticket peace of mind. Stepping inside, you’ll immediately notice the freshly painted interior in a light, modern gray palette, paired with updated light switches featuring smart control in the main living areas and primary bedroom. The heart of the home boasts a stylish kitchen equipped with a modern sink and a smart Samsung dishwasher. High-value mechanical and structural updates mean worry-free living: Roof replaced in 2020 A/C system updated with a brand-new motor in 2021 Spacious 2-car garage with a brand-new garage door opener The primary suite features a generous walk-in closet, while the oversized laundry room provides plenty of extra space for storage, organization, and includes its own utility sink. Outdoors, escape to your expansive, deep backyard—ideal for entertaining, play, or gardening—complete with an outdoor sink setup for ultimate convenience. Location Perks: Enjoy quiet suburban living with easy access to Historic Downtown St. Cloud, scenic Lake Tohopekaliga, local parks, and top-rated schools. Plus, convenient access to major highways puts Lake Nona Medical City, Orlando International Airport (MCO), and Orlando’s premier attractions just a short drive away! Schedule your private showing today and see how life is living in the clouds! NOTE: Only furnished and twilight pictures are virtually staged.

5719 Sweetheart Court, St Cloud
$170,000
3 Beds ⋅ 2 Baths ⋅ Teka Village Ph 1 SubDv. ⋅ 34772 Zip Code
Welcome to 4424 Brave Lane, a beautifully updated 3-bedroom, 2-bath home offering 1,196 heated square feet in the gated 55+ community of Teka Village. Built in 1991 and thoughtfully updated, this home offers comfortable Florida living with many of the major improvements already completed. Step inside to find NEW FLOORING, NEW WINDOWS, UPDATED PLUMBING, and newer appliances. The HVAC is approximately 5 years old, while the METAL ROOF and gutters add even more value. The spacious primary suite features a large private bath with a walk-in shower. Enjoy the Florida lifestyle from the SCREEN-ENCLOSED FLORIDA ROOM, a great additional space for morning coffee, entertaining or simply relaxing. A 1-car carport plus EXTRA PARKING provides added convenience, and the INSULATED STORAGE ROOM/WORKSHOP WITH ELECTRICITY offers excellent space for hobbies, projects, tools and additional storage. Teka Village is a GATED 55+ COMMUNITY known for its active and social atmosphere. Community amenities include a CLUBHOUSE, LARGE COVERED AND HEATED POOL, FITNESS/EXERCISE AREA, SHUFFLEBOARD, GATHERING AND GAME AREAS, along with a variety of activities and opportunities to socialize. Residents can also enjoy RV, BOAT AND CAMPER STORAGE and golf-cart-friendly living. Conveniently located near the FLORIDA TURNPIKE, with easy access to shopping, dining and medical services, Teka Village offers the perfect combination of community, convenience and an active Florida lifestyle. With 3 BEDROOMS, NUMEROUS UPDATES AND GREAT AMENITIES, this home is ready to welcome its next owner!

4424 Brave Lane, St Cloud
$450,710
4 Beds ⋅ 3 Baths ⋅ The Meadow At Crossprairie SubDv. ⋅ 34772 Zip Code
Under Construction. Brand new, energy-efficient home available by Sep 2026! Open floor plan creates a unified living space with a large great room that overlooks the kitchen and dining area. The primary suite is tucked in the rear of the home offering plenty of privacy and features a spacious walk-in closet and shower. The Meadow at Crossprairie is a community of new single-family homes for sale in St. Cloud, FL. This offers easy access to the Turnpike, major employment centers, & great schools. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

4536 Eagle Perch Court, St Cloud
$490,000
5 Beds ⋅ 4 Baths ⋅ The Meadow At Crossprairie SubDv. ⋅ 34772 Zip Code
Brand new, energy-efficient home available NOW! Welcoming open layout with a bright great room, spacious kitchen, and private first-floor primary suite. Upstairs loft and bedrooms have comfortable extra space. The Meadow at Crossprairie is a community of new single-family homes for sale in St. Cloud, FL. This offers easy access to the Turnpike, major employment centers, & great schools. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

4494 Eagle Perch Court, St Cloud
$369,980
4 Beds ⋅ 2 Baths ⋅ Southern Pines Ph 4 SubDv. ⋅ 34772 Zip Code
** Virtually Staged ** Nearly New with Premium Pond-View Residence in Sought-After St. Cloud Community — No CDD Fees Experience the ideal balance of contemporary luxury and peaceful living in this exceptional four-year-old home. Virtually new yet offered at a significant advantage over current new-construction pricing, this residence is situated in one of St. Cloud’s most desirable neighborhoods and features striking premium pond views that foster a sense of calm and privacy. An inviting open-concept floor plan seamlessly connects the gathering room, dining area, and gourmet kitchen, creating an expansive atmosphere well suited to both entertaining and everyday living. The kitchen is appointed with a substantial center island, stainless-steel appliances, elegant granite countertops, and generous workspace for culinary pursuits. Recent updates ensure move-in readiness, including brand-new carpeting in all bedrooms and fresh interior paint throughout. Durable tile flooring extends through the foyer, great room, kitchen, and wet areas, combining practicality with timeless appeal. The thoughtfully designed layout provides four spacious bedrooms and two full bathrooms. The private primary suite, positioned at the rear of the home, overlooks the tranquil pond and includes an en-suite bath with dual-sink vanity, walk-in closet, and luxurious shower. Three additional bedrooms near the foyer offer flexibility for family, guests, or a home office. Outdoor living is enhanced by a covered lanai, ideal for enjoying morning coffee or evening gatherings while taking in the picturesque pond vistas. Structural upgrades, including the lanai, complement the refined finishes of the Canvas Signature Collection – Overture, characterized by its modern aesthetic of crisp whites and deep grays. This rare opportunity to acquire a nearly new home in a prime St. Cloud location places you near parks, lakes, and the many amenities of Central Florida—without the burden of CDD fees. Contact us today to schedule your private tour—your dream home with pond-view tranquility awaits!

486 Pine Tree Bridge Trail, St Cloud
$699,900
5 Beds ⋅ 4 Baths ⋅ Stevens Plantation SubDv. ⋅ 34772 Zip Code
Welcome to the Prestigous Estates of Stevens Plantation. Enjoy all the best Features this home has to offer. 1/3 Acre Lot,Fabulous floor plan offers a Choice of first or second floor Primary suites. Beautiful tile covers the entire 1st floor.Front entry delivers opulent view of oversized living and dining rms. Kitchen / family rms provide your family the opportunity to spread out and entertain friends. kitchen offers elegant cabinets and functional island with additional seating. Premium Stainless Steel Appliances. There is also an eat-in area with views of the fenced back yard.Treyed 12 foot Ceilings add sophistication.Upstairs has a large 16X20 loft/living area along with a private suite and two large bedrooms.the upstairs Suite has a large Walk-in closet & Step-in shower in the bath. Enormous well lit utilty rm has extra storage nooks.The three car garage is oversized and measured at 866 Sqft that provides an extra Bay to three car doors. Paver driveway. Recently Reshingled roof in 2025 and Both HVAC units are less than 6 years old. Covered Back porch is 750 SqFt viewing a conservation area and secured by decorative aluminum fence. Dogs can run free in a big open area! Owners are ready to make a deal see it today.

2951 Burberry Place, St Cloud
$496,200
4 Beds ⋅ 3 Baths ⋅ Hanover Lakes Ph 2 SubDv. ⋅ 34772 Zip Code
Welcome to 3393 Wauseon Dr, a beautifully designed single-story home located in the desirable waterfront community of Hanover Lakes in Saint Cloud. Built in 2021, this spacious residence offers 4 bedrooms, 2.5 bathrooms, 2,332 square feet of living space, and a rare 3-car garage. The open-concept floor plan features high ceilings and multiple living areas that create a bright, comfortable layout for everyday living and entertaining. The spacious kitchen opens to the main living area, while the primary suite and all additional bedrooms are conveniently located on one level. Enjoy peaceful water views and access to the community’s freshwater canal and lake system. Hanover Lakes offers exceptional amenities including a resort-style community pool, boat ramp, lake access, and sidewalks, providing a unique Florida lifestyle with boating and outdoor recreation right within the neighborhood. Conveniently located with access to shopping, dining, major roadways, and the growing Saint Cloud/Lake Nona area.

3393 Wauseon Drive, St Cloud
$389,000
4 Beds ⋅ 3 Baths ⋅ Havenfield At Cross Prairie SubDv. ⋅ 34772 Zip Code
Welcome to 3854 Knotty Pine Street, a spacious 4-bedroom, 2.5-bathroom with a loft townhome located in the desirable Havenfield at Cross Prairie community in St. Cloud. Offering approximately 2,160 square feet of living space, this two-story home provides a functional and comfortable layout with plenty of room for family, guests, and everyday living. The first floor features an inviting open-concept living area, dining space, kitchen, and convenient half bath. Upstairs, the generous primary suite provides a private retreat, while three additional bedrooms offer flexibility for family, guests, a home office, or additional living space. The home also features an attached 2-car garage, providing convenient parking and additional storage. Built in 2024, this newer townhome offers the opportunity to enjoy modern construction and a low-maintenance lifestyle without the wait and uncertainty of building from the ground up. Located in St. Cloud with convenient access to shopping, dining, schools, major roadways, parks, and the growing Central Florida area, this property is an excellent opportunity for a primary residence or investment property. Schedule your private showing today and discover everything 3854 Knotty Pine Street has to offer!

3854 Knotty Pine Street, St Cloud
$465,000
4 Beds ⋅ 3 Baths ⋅ Whaleys Creek Ph 3 SubDv. ⋅ 34772 Zip Code
Experience WaterFront living in this beautifully updated home located in WHALEYS CREEKs community, this spacious two-story residence offers 4 bedrooms, 2.5 bathrooms, a versatile office/flex room and approximately 2,820 square feet. of well-designed living space. From the moment you enter, you'll appreciate the freshly painted interior and bright, open layout designed for both everyday living and entertaining. The spacious kitchen is a standout feature, showcasing granite countertops, abundant wood cabinetry, stainless steel and dark-finish appliances, a large center island with bar seating, and plenty of workspace for cooking and gathering. The kitchen overlooks the dining and family room, creating an inviting space enhanced by natural light and picturesque water views. The first floor also includes a flexible room ideal for a home office, playroom, fitness space, or guest room, along with a convenient laundry room and an attached two-car garage. Upstairs, the private living quarters feature four generously sized bedrooms, including a spacious owner's suite designed for comfort and relaxation. Step outside and unwind while overlooking the peaceful pond from your premium waterfront backyard. Whether you're enjoying your morning coffee or hosting family and friends, this outdoor space provides a beautiful backdrop year-round. Conveniently located near shopping, restaurants, schools, parks, and major roadways, this move-in-ready home offers the ideal combination of modern finishes, functional living space, and an exceptional waterfront setting. Don't miss the opportunity to make this beautiful St. Cloud home your own.

3624 Vega Creek Drive, St Cloud
$339,990
3 Beds ⋅ 3 Baths ⋅ Gramercy Farms Ph 6 SubDv. ⋅ 34772 Zip Code
Welcome to 3075 Fielwood Circle, a beautifully maintained two-story townhome offering modern comfort and low-maintenance living. Featuring 3 spacious bedrooms, 2 spacious bathrooms and haft bathrooms an open-concept layout, a modern kitchen, bright living areas, and excellent functionality for everyday living or entertaining. Enjoy a convenient St. Cloud location near shopping, dining, schools, major roadways, parks, trails, and Downtown St. Cloud. Just minutes from Nature Park & Trails, offering a great opportunity to enjoy Florida’s natural surroundings. Perfect for homeowners, first-time buyers, or investors! Don’t miss this opportunity to own a beautiful townhome in a growing Central Florida community. Schedule your private showing today!

3075 Fieldwood Circle, St Cloud
$569,900
3 Beds ⋅ 3 Baths ⋅ Twin Lakes Ph 2c SubDv. ⋅ 34772 Zip Code
Meticulously Kept, barely lived in Marco Model-3-bedroom, 3-bathroom open & spacious, situated on a corner lot with serene water view, located in the well sought after Del Webb Twin Lakes Active lifestyle 55+ community. As you enter into the oversized front porch, perfect for relaxing. Inside thru the foyer a secondary primary bedroom with a private en-suite bath offers an ideal guest or in-law suite. Adjacent to this is a bonus/flex space, along with a third bedroom, providing versatility to fit your needs. The heart of the home is the great room, where the gourmet kitchen shines with 42" cabinets, Custom Pendant Lights, stainless steel appliances, a built-in oven, microwave, premium cooktop hood, and a natural gas cooktop with 5 burners. A butler’s pantry with shelving makes for a perfect wine or coffee station. Domestic suit with upper cabinets for extra storage. The living & dining room with cam lights, kitchen areas seamlessly flow together, enhanced by abundant natural light. Primary bedroom features tray and light. Walk-in closet with shelves. Step outside from the large sliding glass doors that tuck away to a screen-enclosed Lanai, paradise Outdoor kitchen, Palm Trees privacy and outdoor enjoyment of serene water view. Garage features extra storage in the front of the garage. Amenities include a Resort style pool and Lap Pool, and 3rd pool on the carriage house side, 20,000 square foot Gorgeous Clubhouse, Lots of Activities celebrated in this gorgeous facility, State of the art Fitness Center, Flex room, Tennis Courts, Putting Green, Walking Trails, Pickle Ball Court, Fishing, and Pontoon Boats and Jon boat to use on Live Oak Lake! The community has many active and socializing activities to keep you VERY busy!! Located Central FL close to Lake Nona Medical City, Orlando Intern. Airport, Theme Park, & Beaches. This home is truly must-see!

2699 Midsweet Avenue, St Cloud
$375,000
3 Beds ⋅ 2 Baths ⋅ Gramercy Farms Ph 1 SubDv. ⋅ 34772 Zip Code
This home is PRICED TO SELL! Low HOA community with a NEW 2026 ROOF for long-term peace of mind. The open-plan layout connects the living, dining, and kitchen areas, creating a comfortable space for everyday living and entertaining. The split-bedroom floor plan provides added privacy, with the main bedroom and other bedrooms thoughtfully separated. The spacious primary suite offers a relaxing retreat with a large walk-in closet, and the Master bath has both a stall shower and tub with dual sinks at the vanity. Plus, it has a versatile flex space ideal for a home office, playroom, game room, or second dining area. The two other bedrooms are located at the entrance and separated by a closet and a bathroom with a bathtub. The laundry area is also conveniently located close to the guest bedrooms. The kitchen serves as the heart of the home with solid surface countertops, an island with bar seating, and a convenient corner walk-in pantry. Step outside to a private paved backyard and enjoy added privacy with no rear neighbors, as the property backs up to a serene pond view, perfect for enjoying your coffee or outside barbecue on the screened-in porch in front of the calming waters, palm trees, and garden area. Located in a quiet community that features a dog park, playground, basketball court, and pavilion with picnic tables. Short drive to all the conveniences on US-192, including shopping, restaurants, and entertainment. Easy commute to Lake Nona area. Convenient to Florida Turnpike, US-192, and Narcoossee Road. Truly move-in ready and easy to love

4602 Harvest Row Lane, St Cloud
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