34772 Homes with Waterfront

34772 Homes with Waterfront

Welcome to the picturesque zip code 34772, nestled in the heart of St Cloud, FL. This charming area, located in Osceola County, is a hidden gem for those seeking a tranquil yet convenient place to call home. With Narcoossee Road running through the city, residents enjoy easy access to local amenities, schools, and entertainment options.

One of the standout features of homes in the 34772 zip code is their waterfront locations. Imagine waking up to stunning views of the water every morning, enjoying peaceful sunsets from your backyard, or even taking a relaxing boat ride just steps from your front door. Whether you're a nature enthusiast, an avid fisherman, or simply appreciate the serenity that waterfront living provides, this area has something for everyone.

In addition to the natural beauty that surrounds the homes in 34772, residents also benefit from a strong sense of community, top-rated schools, and a variety of dining and shopping options nearby. Whether you're looking for a cozy cottage by the lake or a spacious waterfront estate, you're sure to find your dream home in this idyllic zip code.

Come and explore all that 34772 has to offer - from the peaceful waterfront properties to the welcoming community atmosphere, there's something here for everyone. Experience the best of Florida living in this hidden oasis in St Cloud.

Newest 34772 Homes with Waterfront

$600,000
Mccools Add To Kissimmee Park SubDv. ⋅ 34772 Zip Code
Rare opportunity to own approximately 1.89 acres of waterfront land with canal access to beautiful Lake Tohopekaliga. This unique property offers scenic water views and the potential to create a variety of commercial or mixed-use possibilities, subject to county approval. An additional adjoining waterfront parcel of approximately 1.83 acres may also be available, providing the opportunity to assemble approximately 3.72 acres. Conveniently located near the growing Saint Cloud area, major roadways, shopping, dining and area attractions.

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, pickleball, basketball and tennis courts, walking trails, fishing, lake access, 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
$488,881
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
$380,000
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 square feet of living space. Perfectly positioned on a canal with access to 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 rides. 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, and a dining area just off to the side, creating an easy flow for hosting, gathering, and staying connected. 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 pool, completed in 2024, creates the ultimate backyard retreat for relaxing, entertaining, and enjoying sunny 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. Whether you're enjoying time at home, relaxing by your own pool, or taking advantage of the neighborhood 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. 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
$314,900
4 Beds ⋅ 2 Baths ⋅ Esprit Ph 1 SubDv. ⋅ 34772 Zip Code
REO. Welcome home to 3827 Spirited Circle. This 4 bedroom, 2 full bathroom, 3 car garage home sits on an oversized lot of .26 acres with a fenced back yard. This home features ceramic tile throughout overlooking the water, huge walk-in closet, double vanities in primary bathroom, plenty of recessed lighting, 42" ship-lap on walls of family room with barn doors, 8' front door, 8' sliding doors at rear of home leading out to a 15'x8' covered lanai over looking the water, and 10'-6" ceiling height throughout entire home. Plenty of back yard space for a future pool ,and a huge 3 car garage with matching driveway for plenty of car parking. This home has no CDD and very reasonable property taxes and HOA fee, close to the turnpike onramp into down town Orlando (35 minute drive), community pool, community play ground, concrete sidewalks for exercise throughout community. Homegenius Real Estate is Co-Broker

3827 Spirited Circle, 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
$564,900
4 Beds ⋅ 3 Baths ⋅ Hanover Lakes Ph 1 SubDv. ⋅ 34772 Zip Code
Lake front living at its Finest! Welcome home to your Lennar Provincetown model show home on the Hanover Chain of Lakes! This is a dream come true if you ever wanted to boat or fish from your own backyard (or 3 doors down at the boat launch)! Walk into your light-filled freshly painted home. Formal dining room, gorgeous island kitchen with butler pantry and Great Room await you. Your screened patio is a perfect place for your morning coffee or evening meals observing the birds on the water. Upstairs you’ll find a cozy family room, four generous sized bedrooms, two more bathrooms and a laundry room. The community pool and playground are just a few doors down so no maintenance for you! Come enjoy the Good Life where you’ll feel like you are on vacation every single day!

4935 Chase Court, St Cloud
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