St Cloud (Narcoossee Road) Homes with Waterfront

St Cloud (Narcoossee Road) Homes with Waterfront

Welcome to St. Cloud, a charming city nestled in the heart of Osceola County, Florida, where the serene beauty of waterfront living meets the vibrant pulse of community life. Located along Narcoossee Road, St. Cloud offers a delightful blend of suburban tranquility and convenient access to urban amenities, making it a perfect destination for families, retirees, and anyone seeking a peaceful retreat.

St. Cloud is renowned for its picturesque lakes and lush landscapes, providing residents with an abundance of opportunities for outdoor recreation. Imagine waking up to the gentle sounds of water lapping against the shore and enjoying your morning coffee with a breathtaking view of the sunrise over the water. Homes with waterfront access are a true treasure in this area, offering not just a place to live but a lifestyle enriched by nature's beauty.

The community is characterized by its friendly atmosphere, with local parks, walking trails, and recreational facilities that invite residents to embrace an active, outdoor lifestyle. Additionally, St. Cloud boasts a rich history and vibrant culture, with annual events and festivals that bring neighbors together and celebrate the unique spirit of the region.

With convenient access to major highways, shopping, dining, and entertainment options, St. Cloud is perfectly positioned for those who want the best of both worlds – a peaceful home life and the excitement of nearby attractions. Whether you’re looking for a cozy lakeside cottage or a spacious family home with stunning waterfront views, St. Cloud offers a variety of real estate options to suit your needs. Come discover the charm of St. Cloud, where your dream home awaits!

Newest St Cloud (Narcoossee Road) Homes with Waterfront

$585,000
5 Beds ⋅ 4 Baths ⋅ Hanover Lakes Ph 4 SubDv. ⋅ 34772 Zip Code
Welcome home! This waterfront property boasts 5 bedrooms and 3.5 bathrooms - the perfect large family or multigenerational home - with direct connection to the Alligator Chain of Lakes through the community boat lift for a luxurious lakefront lifestyle that places relaxing, boating, and fishing fun right at your doorstep. Modern finishes, smart home features, and a prime location on a quiet dead-end street position it as an ideal retreat for those seeking the lakefront lifestyle. The open family room and chef's kitchen anchor the home's interior, with a large island, breakfast bar seating, quartz waterfall countertop, stainless steel appliances, self-cleaning double wall oven, farm sink, pantry closet, and 42-inch upper cabinets providing serious cooking capabilities for all occasions, with a quaint canal view. Smart features add a layer of 21st-century functionality to this home, with the garage door, thermostats, Eufy security system, and double wall oven being Wi-Fi connected and controllable whether you are home or away. Although these seem like small things, the little things make such a difference when life never seems to slow down. The app for the oven is the seller’s personal favorite because you can set the temperature ahead of time, so it is ready as soon as you walk in. The features don’t stop there. Recessed lighting illuminates the main areas, where cohesive and durable tile creates visual continuity from the entry foyer to the family room. The cohesiveness continues throughout the home, with all bedrooms featuring plush carpet, offering warmth and comfort in the private quarters, while all bathrooms include matching quartz countertops that perfectly complement the kitchen. Whether it is a morning coffee, a lazy Sunday, or quality time, the relaxing canal view can be enjoyed from the screened patio, family room, or even your bed in the primary suite. Air-conditioned storage is another plus of this home, with several large closets throughout, including some that are hidden away. Beyond the property itself, the community of Hanover Lakes features an array of thoughtful amenities. First off, there is a community boat ramp and lift to the Alligator Chain of Lakes, making the need for a private dock optional. Secondly, there is a community pool with a small waterpark that has two slides, a covered patio with plenty of tables and chairs, a shaded playground, and a multipurpose field adjacent to the pool, perfect for all kinds of fun under the sun. The pool, playground, and patio sit behind a security gate that can be opened via an app, keeping the area secure and making it the perfect setting for the whole family to enjoy. Next to the boat lift, there is also a covered fishing dock that provides both a relaxing place to fish and view the calming waters of Alligator Lake. For daily needs, Publix and Winn-Dixie are minutes away, while Royal St. Cloud Golf Links is just around the corner for golf enthusiasts. Lakefront Park is also nearby with waterfront dining and outdoor recreation, including a beach area, walking/riding trails, splash pad, playground, and a public boat ramp providing access to additional boating, fishing, and water recreation on the East Lake Toho Chain of Lakes. St. Cloud Medical Center is conveniently located for medical needs, and proximity to the FL Turnpike ensures smooth regional connectivity. Do not miss your chance to experience this waterfront lifestyle firsthand. Schedule your private showing today!

5012 Bessie Court, St Cloud
$439,900
5 Beds ⋅ 3 Baths ⋅ Stevens Plantation SubDv. ⋅ 34772 Zip Code
Waterfront Pool Home in Desirable Stevens Plantation! Welcome to this 5-bedroom, 3-bath waterfront pool home located in the highly sought-after Stevens Plantation community in Saint Cloud. Designed with both comfort and functionality in mind, this spacious home is full of potential and needs a little TLC. Step inside to find a formal living room and dining room, ideal for entertaining or hosting family gatherings. The heart of the home is the open-concept kitchen, featuring a large center island, abundant cabinetry, and a seamless view of the family room and sparkling pool, all overlooking the tranquil water. The first floor includes a private bedroom and full bathroom, making it an excellent space for guests, extended family, or a home office. Relax in your screened pool while enjoying peaceful water views, creating your own private backyard retreat. Conveniently located just minutes from Florida's Turnpike, this home is within walking distance to Walmart, restaurants, shopping, and everyday conveniences. Plus, you're only 23 miles from Orlando International Airport and the Lake Nona Medical City, offering easy access to world-class healthcare, dining, and entertainment. Don't miss this incredible opportunity to own a waterfront pool home in one of Saint Cloud's most desirable communities. Schedule your private showing today!

3767 Cedar Hammock Trail, St Cloud
$600,000
Mccools Add To Kissimmee Park SubDv. ⋅ 34772 Zip Code
WATERFRONT INVESTMENT & DEVELOPMENT OPPORTUNITY ON WEST LAKE TOHO! Approximately 1.89 acres with freshwater canal access to Lake Tohopekaliga, offering water views, lake privileges and a unique opportunity in the rapidly growing St. Cloud market. An adjoining approximately 1.83-acre waterfront parcel may also be available, creating the potential to assemble approximately 3.72 waterfront acres. With utilities available and commercial or mixed-use possibilities subject to county approval, this property offers exciting potential for an investor, developer or owner-user. Conveniently located near major roadways, shopping, dining and the continued growth of the St. Cloud area. Buyer to independently verify zoning, land use, development potential and permitted uses with the appropriate county authorities.

Seaman Avenue, St Cloud
$330,000
2 Beds ⋅ 2 Baths ⋅ Northwest Lakeside Groves Ph 1 SubDv. ⋅ 34772 Zip Code
One of Twin Lakes' most beautifully upgraded carriage homes, this exceptional Daytona model is perfectly positioned on a PREMIUM POND-FRONT HOMESITE, offering peaceful water views, outstanding indoor-outdoor living, and an impressive collection of builder and owner upgrades that set it apart from other Daytona carriage homes. From the moment you step inside, you'll appreciate the attention to detail, including crown molding throughout the main living areas, upgraded lighting, a stained-glass accent window, a retractable front screen door, and an open, light-filled floor plan designed for comfortable everyday living and effortless entertaining. The spacious great room is enhanced by a BUILT-IN SURROUND SOUND HOME THEATER SYSTEM, creating the perfect setting for movie nights or gathering with friends. The beautifully appointed kitchen is the heart of the home, featuring quartz countertops, a stainless farmhouse sink, upgraded appliances, under-cabinet lighting and upper-cabinet lighting, abundant cabinetry, and a large island that flows seamlessly into the dining and living areas. The primary suite offers a peaceful retreat with tranquil pond views, a custom-designed walk-in closet, and a beautifully upgraded ensuite bath featuring illuminated touch mirrors, including an integrated media mirror that adds a touch of everyday luxury. Step outside to what may become your favorite room of the house. The EXTENDED SCREENED LANAI was designed for true Florida living, complete with a SUMMER KITCHEN, outdoor television, motorized shades, and plenty of space to relax, dine, and entertain while overlooking the peaceful pond. Additional features include a whole-house attic fan, ceiling fans throughout, an oversized laundry room with utility sink and upper and lower cabinetry, and added peace of mind with a 7,000-WATT GENERATOR INCLUDED and a professionally installed generator connection already in place. Located within the gated 55+ Twin Lakes community, residents enjoy exceptional amenities including multiple pools including a resort lagoon pool, lakefront clubhouse, fitness center - men/women steam room and sauna, pickleball, basketball and tennis courts, walking trails, fishing, lake access - pontoon boat, john boat and kayak rentals, pavillion with kitchen and lounge area with a TV and fireplace, and a vibrant calendar of social activities—all while enjoying a low-maintenance lifestyle. Every detail has been thoughtfully selected to create a home that's as functional as it is beautiful. If you've been waiting for an exceptional carriage home with premium pond views and upgrades that truly stand apart, you've just found it.

2495 Datura Loop, St Cloud
$399,000
4 Beds ⋅ 2 Baths ⋅ Hanover Lakes Ph 4 SubDv. ⋅ 34772 Zip Code
Virtually Staged. Welcome home to this four bedroom two bathroom waterfront home in the desirable community of Hanover Lakes. Designed with an open floor plan, the living spaces flow effortlessly together while large windows fill the home with natural light. The kitchen overlooks the main living area and features an island with breakfast bar seating, tile backsplash, stainless steel appliances, and a casual dining space. The private primary suite offers a spacious walk-in closet and an en suite bathroom with dual sinks and a large walk-in shower. Three additional bedrooms share a full bathroom, providing plenty of room for family or guests. Enjoy waterfront living with access to the community's private boat dock leading to Alligator Lake and the Alligator Chain of Lakes, offering approximately 5,500 acres for boating, fishing, and exploring. Residents also enjoy a community pool and playground. Conveniently located in the growing city of St. Cloud, you'll appreciate the peaceful setting while being just minutes from shopping, dining, and everyday conveniences.

5059 Tibet Court, St Cloud
$625,000
3 Beds ⋅ 3 Baths ⋅ Twin Lakes Ph 2c SubDv. ⋅ 34772 Zip Code
Discover Your Oasis of Comfort in Twin Lakes. This charming 3-bedroom/3-bath HOME offers the perfect blend of tranquility and convenience. Featuring three spacious bedrooms and three well-appointed bathrooms. Designed with modern upgrades. Step inside to find an inviting ambiance enhanced by 7-inch crown molding and tray ceilings. And Plantation Shutters throughout! As you enter the spacious hallway leading to the open kitchen, living room, and breakfast nook. You are greeted with a screened lanai with a relaxing water view. The gourmet kitchen boasts upgraded light wood cabinetry with crown molding, a custom backsplash, quartz countertops with a generously sized island, an extra-large sink, gas cooktop, double ovens, and a custom hood. A spacious walk-in pantry and an upgraded laundry room. The open-concept living area flows seamlessly to a lanai with cornerless sliding doors. The oversized first-floor primary bedroom comes with a view: elegant Tray ceilings/dual fans, and Sunburst Plantation Shutters. The primary has an ensuite bathroom and walk-in closet. The primary bathroom has dual sinks and quartz countertops, a seamless glass shower with a high-end faucet, dual shower heads, including a rain shower, and a custom tile bench. Amenities include a resort-style pool, a lap pool and a 3rd pool on the villa side. There is also a 20,000 square foot Gorgeous Clubhouse, 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!! All of this in a GREAT gated community located in Central Florida close to Lake Nona Medical City, Orlando, Orlando International Airport, Theme Parks, and Brevard Beaches! Don’t miss the chance to own this exceptional property that beautifully blends luxury, security, and functionality. Experience the vibrant lifestyle that Twin Lakes will give you Owner Upgrades: Sunburst Plantation Shutters throughout home. $9,000 Indoor Motorized Roller Shade w/rechargable Motor. $2000. Outdoor Motorized Roller Light Filtering Shade $2300 Epoxy Garage Floor - Lifetime Warranty $4200 Spring Well Water Filtering System $2500 Subwoofer for Surround Sound $300 Screening for Lanai $3400 Mounted TV for Lanai $500

2680 Redblush Terrace, St Cloud
$484,888
5 Beds ⋅ 2 Baths ⋅ Keystone Pointe Ph 3 SubDv. ⋅ 34772 Zip Code
PRIVATE. UPDATED. MOVE-IN READY. Welcome to this beautifully upgraded 5-bedroom, 2-bath single-story ranch home, ideally situated on one of the community's most desirable premium corner homesites. Surrounded by a tranquil pond and conservation area with no front, rear, or side neighbors, this exceptional property offers a rare combination of privacy, comfort, and modern living. Step inside to discover a bright, open floor plan that lives much larger than its square footage, thoughtfully designed for both everyday living and entertaining. The highly desirable split-bedroom layout provides excellent separation between the spacious primary suite and the secondary bedrooms, creating comfort and privacy for family members and guests alike. Enjoy the convenience of single-story living with no interior stairs, offering easy, functional living for every stage of life. Designed for both beauty and peace of mind, this home has been extensively updated with light modern designer finishes throughout, fresh interior and exterior paint, a replaced roof, and a replaced HVAC system, allowing you to move in and start enjoying your new home from day one. Elegant lighting, stylish fixtures, and quality finishes enhance the home's inviting atmosphere. The spacious kitchen flows seamlessly into the living and dining areas, creating the perfect gathering space for entertaining or relaxing. Step outside to the oversized screened lanai featuring a spa, where you can unwind while enjoying peaceful pond and conservation views in your own private backyard retreat. Conveniently located just minutes from Florida's Turnpike, Lake Nona, Medical City, shopping, dining, schools, and Central Florida's renowned attractions, this move-in-ready home delivers the perfect balance of privacy, thoughtful design, modern updates, and everyday convenience. Opportunities like this are rare—schedule your private showing today and experience everything this exceptional home has to offer.

3014 Sand Stone Circle, St Cloud
$370,000
4 Beds ⋅ 2 Baths ⋅ Esprit Ph 3b SubDv. ⋅ 34772 Zip Code
*Brand new roof 7/2026!* Welcome home to this beautiful 4-bedroom, 2-bath residence in the highly desirable Esprit community of St. Cloud, offering peaceful pond views and an exceptional blend of comfort, style, and convenience. This thoughtfully designed split-bedroom floor plan provides privacy for the spacious primary suite while offering generously sized secondary bedrooms. The home features soaring 10-foot ceilings, elegant granite kitchen countertops, 42-inch cabinetry, a large center island, and an open-concept layout that's perfect for entertaining and everyday living. Retreat to the deluxe primary bathroom featuring a relaxing garden tub, and enjoy the convenience of a spacious 3-car garage plus attic decking for additional storage. Step outside to your fully fenced backyard, where you can unwind with your morning coffee while overlooking the tranquil pond—a perfect setting to relax and enjoy Florida living. Esprit embraces its motto of "Celebrating Small Town Life" while offering outstanding community amenities, including: • Community pool • Tot lot/playground • Walking trails Ideally located just minutes from Lake Tohopekaliga (Lake Toho) and East Lake Tohopekaliga, residents enjoy world-class bass fishing, bird watching, boating, and outdoor recreation. With easy access to Florida's Turnpike, commuting to St. Cloud, Kissimmee, Lake Nona, Orlando International Airport, and Downtown Orlando is quick and convenient. This home combines location, upgrades, and value in one incredible package. Priced to sell—schedule your private showing today before this opportunity is gone!

3505 Sprite Lane, St Cloud
$665,000
5 Beds ⋅ 3 Baths ⋅ Hanover Lakes Ph 5 SubDv. ⋅ 34772 Zip Code
Seller says sell - Price reduced and OFFERING $10,000 in closing cost assistance!! Welcome to this stunning 5-bedroom, 3-bath home built in 2023 by LandSea Homes, featuring the desirable Wilshire floor plan with almost 3,200 SQFT of living space. If you are looking for a BOATING LIFESTYLE with RESORT STYLE amenities, this is for YOU! Perfectly positioned on a canal with DOCK RIGHTS and access to the Alligator Chain of Lakes, this home blends modern comfort, flexible living, and the Florida lifestyle buyers are looking for. From the moment you arrive, the inviting front porch sets the tone. It's the perfect spot to enjoy your morning coffee while watching the neighborhood come to life with walkers, runners, and bike riders. Inside, you'll find a spacious and thoughtful layout designed for both everyday living and entertaining. The main level features a downstairs bedroom and full bath, ideal for guests, multigenerational living, or added privacy, along with a DEDICATED OFFICE for working from home or managing daily life. The open kitchen boasts stainless steel appliances, a LARGE ISLAND, BACKSPLASH, and a dining area just off to the side, creating an easy flow for hosting, gathering, and staying connected. The downstairs is also already tiled for you! Upstairs, you'll find four additional bedrooms, including a spacious primary suite with a large walk-in shower and generous walk-in closet. A loft and separate flex space provide even more room to spread out, whether you need a media area, playroom, home gym, study space, or second living area. Step outside to your screened back lanai and enjoy peaceful canal views overlooking the water. The newly finished SOUTH FACING (getting the most sun all day) HEATED SALT WATER POOL, completed in 2024, creates the ultimate backyard retreat for relaxing, entertaining, and enjoy the Florida days. The canal offers the potential for a private dock, giving you the opportunity to further embrace waterfront living and access to the Alligator Chain of Lakes. The community adds even more to love, with a BOAT LIFT that provides access from the canal system out to the lake, plus a community pool with a SPLASH AREA and a PLAYGROUND. There's no shortage of fun for anyone in HANOVER LAKES. Whether you're enjoying time at home, relaxing by your own pool, or taking advantage of the neighborhood resort style amenities, this home offers a lifestyle that feels connected, convenient, and full of opportunity. With nearly new construction, a flexible floor plan, a new pool, canal frontage, lake chain access, and wonderful community amenities, this home offers space, lifestyle, and location all in one beautiful package. WHY WAIT TO BUILD? Everything is already done for you! Ask about currently available financing options featuring competitive interest rates, low-down-payment programs, and potential no-closing-cost options for qualified buyers. Program availability, rates, terms, and buyer eligibility are subject to lender approval and may change without notice.

5026 Down Court, St Cloud
$400,000
4 Beds ⋅ 2 Baths ⋅ Buena Lago Ph 4 SubDv. ⋅ 34772 Zip Code
Built in 2025 and loaded with upgrades, this stunning 4-bedroom, 2-bathroom home offers modern living with peaceful pond views and no rear neighbors. Enjoy relaxing mornings and breathtaking sunrises from the covered back porch overlooking the water. Inside, the open-concept design seamlessly connects the living room, dining area, and kitchen, creating the perfect space for entertaining and everyday living. Upgrades include tile flooring throughout, a picture window that fills the living area with natural light, and French doors leading to the backyard and tranquil pond views. The chef-inspired kitchen is both beautiful and functional, featuring quartz countertops, stainless steel appliances, a spacious center island, a dedicated coffee bar, and a walk-in pantry complete with custom built-ins for exceptional organization and storage. Privately situated at the rear of the home, the primary suite serves as a peaceful retreat with pond views and an impressive walk-in closet featuring custom built-ins designed to maximize organization and storage. The ensuite bathroom offers dual vanities and a separate shower, creating a comfortable and private space to unwind. Three additional bedrooms provide flexibility for guests, family, or a home office, while the dedicated laundry room adds everyday convenience. The home also includes smart home technology, allowing you to conveniently control and monitor key features from your smart devices. Residents enjoy access to fantastic community amenities including a resort-style pool, and playground, all with a low HOA. Conveniently located in a growing Central Florida area with easy access to major roadways, shopping, dining, parks, and Downtown Orlando, this move-in ready home offers the perfect blend of comfort, convenience, and modern style.

5087 Tana Terrace, St Cloud
$460,000
4 Beds ⋅ 3 Baths ⋅ Whaleys Creek Ph 1 SubDv. ⋅ 34772 Zip Code
Welcome to this beautifully maintained home located in the desirable community of Whaleys Creek in St. Cloud, with LOW HOA AND NO CDD, situated on over ¼ acre with a fully fenced backyard. This spacious home offers 4 bedrooms, 3 remodeled full bathrooms, and a versatile open floor plan designed for comfortable living and entertaining* Enjoy the added charm of being located across from a small lake, offering beautiful sunset views and refreshing summer breezes. The community lap pool is conveniently located just a short walk across the street.* Upon entry, you’ll find a formal living room that can easily serve as an office, den, or flex space. The primary suite is conveniently located on the lower level, while three additional generously sized bedrooms are upstairs along with a huge bonus room—perfect for a second family room, game room, media space, or play area.* The main living areas feature ceramic tile throughout the lower level, 10-foot ceilings, double-pane insulated windows, and elegant wrought iron stair railing. The gourmet kitchen boasts stainless steel appliances, abundant cabinetry, a walk-in pantry, a large island with a single deep-bowl sink, and a spacious dining area large enough to accommodate a table for 12—ideal for gatherings and entertaining.* This gently lived-in and meticulously cared-for home includes numerous upgrades, including a 2025 ROOF, NEW VINYL FENCING, reverse osmosis drinking water system, and a WHOLE-HOME softener/purification system.* Step outside to enjoy the large backyard with endless possibilities for outdoor living, play, gardening, or creating your own private retreat. This home offers the perfect combination of space, comfort, upgrades, and a desirable location in one of St. Cloud’s sought-after communitie within minutes to Florida Turnpike making easy commutes to the Airport, Tampa, Amusement Parks and Downtown Orlando.

3699 Moca Drive, St Cloud
$519,000
5 Beds ⋅ 3 Baths ⋅ Hanover Lakes Ph 2 SubDv. ⋅ 34772 Zip Code
This unique waterfront community allows for individual docks to be built for homes that are directly located on one of the canals. Welcome to 3385 Wauseon Drive, a 5-bedroom, 3-bath waterfront home located in Hanover Lakes, one of St. Cloud's boating communities with direct canal access to Alligator Lake. Offering over 2,600 square feet of living space and a 3-car garage with an upgraded epoxy-coated garagefloor, fenced yard, motorized screen for the lenai, this property combines spacious living with access to Florida's outdoor lifestyle. Positioned on a canal-front homesite, the home enjoys water views from the rear and conservation views from the front. Hanover Lakes features a community boat lift system that provides residents with access from the canal system to Alligator Lake, creating opportunities for boating, fishing, kayaking, and exploring the surrounding waterways. Inside, the open-concept floor plan is designed for both everyday living and entertaining. The kitchen features quartz countertops with generous cabinet and counter space. Engineered hardwood flooring extends throughout the main living areas, while the family room showcases a coffered ceiling and triple sliding glass doors that open to the covered lanai overlooking the water. The primary suite is located on the main level and offers canal views, dual vanities, a spacious walk-in shower, private water closet, and an oversized walk-in closet. An upstairs bonus suite provides flexible living space that can be utilized as a guest retreat, home office, media room, playroom, or additional living area. Residents of Hanover Lakes enjoy access to a resort-style swimming pool, boat lift, community boat access, and neighborhood amenities designed to complement the waterfront setting. This home offers the opportunity to enjoy waterfront living while remaining connected to everything in Central Florida. Whether you're relocating to Central Florida, searching for a waterfront home in St. Cloud, or looking for a property that offers boating access and spacious living, 3385 Wauseon Drive presents a unique opportunity to enjoy life on the water.

3385 Wauseon Drive, St Cloud
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