34772 Homes with HOA Yes/No

34772 Homes with HOA Yes/No

Welcome to the vibrant zip code 34772 in St. Cloud, FL, nestled in the heart of Osceola County. This thriving community along Narcoossee Road boasts a perfect blend of suburban tranquility and urban convenience.

In 34772, you'll find a range of housing options, from cozy single-family homes to modern townhouses, all within close proximity to top-rated schools, parks, and shopping centers. Whether you prefer a quiet retreat or a bustling neighborhood, this zip code has something for everyone.

For those seeking a sense of community and additional amenities, homes with HOAs are available in 34772. With well-maintained common areas, landscaping services, and community events, HOA neighborhoods offer a hassle-free living experience for residents looking to enjoy a more cohesive and organized environment.

Living in 34772 means enjoying the best of both worlds - a peaceful suburban lifestyle with easy access to all the amenities and attractions that St. Cloud and the surrounding areas have to offer. Come and discover the charm and convenience of 34772 - a place you'll be proud to call home.

Newest 34772 Homes with HOA Yes/No

$334,000
4 Beds ⋅ 2 Baths ⋅ Gramercy Farms Ph 5 SubDv. ⋅ 34772 Zip Code
HUD Case Number 094-978525. Welcome to this spacious, move-in-ready 4-bedroom, 2-bathroom home located in the sought-after Gramercy Farms community. Offering a split-bedroom floor plan, a 2-car front-entry garage, and over 1,700 sq. ft. of living space, this property delivers both value and comfort with low monthly HOA fees and great neighborhood amenities. Key features include: - Curb Appeal: Well-maintained landscaping and an inviting entrance. - Living & Dining Area: A spacious great room that flows seamlessly into the dining area, featuring extra-wide sliding glass doors that open to a private back lanai. - Kitchen: Equipped with stainless steel appliances, modern cabinetry, and a kitchen island ideal for entertaining. - Primary Suite: Includes a private ensuite bathroom with a double vanity and shower. The well-maintained Gramercy Farms neighborhood offers convenient access to local schools, shopping centers, restaurants, hospitals, and major highways—all within a 7-mile radius.

2894 Mosshire Circle, St Cloud
$470,000
4 Beds ⋅ 3 Baths ⋅ The Reserve At Twin Lakes SubDv. ⋅ 34772 Zip Code
Under Construction. Brand new, energy-efficient home available by Oct 2026! Entertain guests with ease with an open kitchen which overlooks the dining and great room. First floor flex space can be best used to fit your needs. Upstairs primary suite features an oversized walk-in closet. Now selling, The Reserve at Twin Lakes is all ages community that offers single-family homes in the heart of St. Cloud, FL. This community offers easy access to Narcoossee Road, 192, and is just minutes from Lake Nona. The Reserve at Twin Lakes provides gorgeous open floorplans right for every lifestyle. With resort-style amenities, such as a pool, cabana, & splash pad - this community surely has everything you need. 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.

5181 Springrise Drive, St Cloud
$410,000
4 Beds ⋅ 2 Baths ⋅ The Reserve At Twin Lakes SubDv. ⋅ 34772 Zip Code
Under Construction. Brand new, energy-efficient home available NOW! Prepare dinner while catching up on the days events from this home's open kitchen which overlooks a spacious great room and dining area. Retreat to your primary suite that is conveniently situated in the back of the home for plenty of privacy. Now selling, The Reserve at Twin Lakes is all ages community that offers single-family homes in the heart of St. Cloud, FL. This community offers easy access to Narcoossee Road, 192, and is just minutes from Lake Nona. The Reserve at Twin Lakes provides gorgeous open floorplans right for every lifestyle. With resort-style amenities, such as a pool, cabana, & splash pad - this community surely has everything you need. 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.

2919 Sunstar Drive, St Cloud
$659,000
5 Beds ⋅ 4 Baths ⋅ Hanover Lakes Ph 5 SubDv. ⋅ 34772 Zip Code
Vacant home ready for move in! Upgraded Exbury Premier Model. Experience the best of lakeside living in this stunning 2023-built home located in the sought-after Hanover Lakes community. With 5 spacious bedrooms, 3.5 bathrooms, and a flexible first-floor office or den, this beautifully designed residence features a modern open-concept layout perfect for both everyday comfort and effortless entertaining. Step inside to an expansive main living area highlighted by upgraded herringbone wood tile flooring, a large kitchen island, and generous cabinet space. The natural medium oak cabinetry, granite countertops, and gold-finish hardware add a modern touch, while smart light fixtures throughout the home provide both convenience and style. With over $66,000 in owner upgrades, this home blends high-end finishes with thoughtful enhancements throughout. The dining area flows seamlessly into a covered, tiled lanai—now upgraded with a screened door—creating an ideal space for indoor- outdoor living year-round. Upstairs, a spacious second living area provides flexibility for media, work, or play. Four generously sized bedrooms and two full bathrooms provide ample room for family or guests, while the first-floor primary suite serves as a private retreat complete with a spa-inspired bath, deluxe soaking tub, and separate shower. Additional highlights include a 3-car garage with protective epoxy flooring, offering a polished, non-slip finish, and plenty of storage space. Though barely lived in, this home presents like brand new—ready for its next chapter. Residents of Hanover Lakes enjoy exclusive access to a private boat dock with direct access to Alligator Lake, perfect for enjoying Florida's natural beauty. The community also features a resort-style pool, splash pad, and a spacious sundeck with breathtaking views. Located in Osceola County, you're just minutes from Orlando’s top attractions, beaches, and major expressways. Don’t miss this incredible opportunity to own a nearly new home in a vibrant waterfront community—schedule your private tour today!

5019 Down Court, St Cloud
$435,000
4 Beds ⋅ 3 Baths ⋅ Doe Run At Deer Creek SubDv. ⋅ 34772 Zip Code
WOW! 4 Bedrooms, 3 Full Baths, “3” CAR GARAGE”, and WOW what a back yard, NO CDD’s and Low HOA, Go fishing out your back door, enjoy the deer very close by, and an assortment of wild life. Elementary children can walk to school just steps away-12 homesites away. His and Her Closets. If a 3-car garage isn’t enough how about adding a 10 x 16 shed. Kitchen has undercounter lighting, pantry plus a little nook for coffee, tea or wine. Two major grocery stores within a mile of subd, drive near to the theme parks, and hospitals. Newer Bosch AC 18 Seer 4-5 tn 2020. Apx. 3 miles to Turnpike Entrance. A nice office right by the from the front door. Master BR has an door that exits to the lanai. Mature trees. The backyard appears to be larger because of a few easements. Bathrooms: Master has Garden Tub and Shower, Separate Counters w/sinks 10x20, Guest: has two sinks with a shower-tub combo and pool bath door, Other Guest has Full Size Shower. Already in place is Home Warranty with $75. deductible for each service call. Don't want to miss this one.

3638 Doe Run Drive, St Cloud
$369,990
3 Beds ⋅ 2 Baths ⋅ Canoe Creek Lakes Unit 07 SubDv. ⋅ 34772 Zip Code
Virtually Staged. Welcome home to this beautiful and spacious 3-bedroom, 2-bath residence located in the desirable Canoe Creek Lakes community! Situated on approximately 0.20 acres, this home offers plenty of space between neighboring properties and features a desirable split-bedroom floor plan designed for comfort and privacy. Step inside to an inviting, open feel highlighted by vaulted ceilings and tile flooring throughout the main living areas. Enjoy peaceful water views from the backyard, complemented by privacy fencing along the sides of the property—creating a wonderful setting for relaxing, entertaining, or enjoying the Florida lifestyle. Major updates include a NEW A/C installed in 2026 and a roof replaced in December 2019, providing added peace of mind for the next owner. Canoe Creek Lakes offers an established neighborhood setting with LOW HOA fees and convenient access to shopping, dining, everyday services, and more. This home combines location, space, updates, and a beautiful water view. Don’t miss the opportunity to make it yours—schedule your private showing today!

4206 Lavender Way, St Cloud
$405,000
4 Beds ⋅ 2 Baths ⋅ Doe Run At Deer Creek SubDv. ⋅ 34772 Zip Code
Welcome to 1860 Big Buck Dr in St. Cloud. This well-maintained 4-bedroom, 2-bath home offers 1,934 square feet of comfortable living space with a functional layout designed for everyday living and entertaining. The home features a 2-car garage, a generous lot, and a major recent improvement with the roof replaced in 2023, providing added peace of mind for the next owner. Conveniently located near shopping, dining, schools, and major roadways, this home offers a great combination of space, value, and location. Schedule your private showing today and see what makes this property a great place to call home.

1860 Big Buck Drive, St Cloud
$399,990
4 Beds ⋅ 2 Baths ⋅ Savanna SubDv. ⋅ 34772 Zip Code
Welcome to this spacious 4-bedroom, 2-bath home located in the desirable Savanna community of St. Cloud! Offering 1,846 square feet of comfortable living space, this home features a convenient and functional layout designed for everyday living and entertaining. The well-planned floor plan provides generous living areas, four bedrooms, two full bathrooms, and an attached two-car garage. One of the property’s standout features is its oversized lot, offering plenty of outdoor space to relax, entertain, garden, or create your own backyard retreat. Built in 2020, this home combines modern construction with the added benefit of a spacious homesite. Conveniently located with easy access to the Florida Turnpike, Lake Nona/Medical City, Orlando International Airport, shopping, dining, and all that St. Cloud has to offer. Enjoy nearby parks and the popular St. Cloud Lakefront, featuring recreational areas, a marina, splash pad, playground, and beautiful waterfront surroundings. Don’t miss the opportunity to make this spacious St. Cloud home yours. Schedule your private showing today!

3608 Scarlet Oak Drive, St Cloud
$495,000
4 Beds ⋅ 3 Baths ⋅ Havenfield At Cross Prairie SubDv. ⋅ 34772 Zip Code
Welcome to this beautifully maintained 4-bedroom, 3-bathroom home, built in 2024 and offering modern finishes, an open-concept design, and desirable features throughout. The spacious floor plan provides a natural flow between the living, dining, and kitchen areas, creating a comfortable setting for everyday living and entertaining. The gourmet kitchen is a standout feature, offering 42-inch cabinetry, elegant quartz countertops, ample storage, and a modern design. One of the four bedrooms includes its own private full bathroom, providing additional flexibility and convenience. Enjoy outdoor living from the covered lanai, complete with ceiling fans and plenty of space to relax or entertain. The property also features a water softener and a fully fenced yard with a PVC privacy fence. Built in 2024, this newer home offers modern construction and a move-in-ready opportunity. Conveniently located near major highways, the Florida Turnpike, and the Lake Nona area, providing easy access to shopping, dining, employment centers, and surrounding areas. With its modern design, desirable floor plan, upgraded kitchen, private outdoor space, and convenient location, this home is a must-see. Schedule your showing today—this opportunity won't last!

4916 Shady Pines Drive, St Cloud
$413,490
5 Beds ⋅ 3 Baths ⋅ Waterlin 45'S SubDv. ⋅ 34772 Zip Code
Under Construction. This new two-story Napali is ready for modern lifestyles. Upon entry is a convenient bedroom with an en-suite bathroom, leading to an inviting open-concept floorplan with access to a covered patio. A luxurious owner’s suite provides a private retreat on the first floor, complete with a full bathroom and walk-in closet. Three additional bedrooms can be found on the second floor, including a versatile game room. Every home comes with Lennar’s Everything’s Included® promise, which includes new appliances as well as quartz countertops, and more in the price of your home. Waterlin is one of the most anticipated new communities. Residents will enjoy access to a sparkling swimming pool and state-of-the-art community center with plenty of gathering spaces, playground and trail. Situated at the center of Florida, Saint Cloud offers a small-town feel with excellent schools, endless recreation and an array of shopping, dining and entertainment options. Easy access to the Orlando Turnpike makes commutes to downtown Orlando a breeze.

4560 Forge Road, St Cloud
$469,490
4 Beds ⋅ 5 Baths ⋅ Crossprairie 50s SubDv. ⋅ 34772 Zip Code
Virtually Staged. Under Construction. This new single-story McCartney Next Gen® home features a private suite with its own entrance, living area, kitchenette, bedroom, bathroom and laundry, perfect for multigenerational households. The main home is host to an inviting open concept layout with easy access to a covered patio for seamless indoor-outdoor living. Two secondary bedrooms are located off the foyer, and a lavish owner’s suite is tucked into a private rear corner, complete with a full bathroom and walk-in closet. Every home comes with Lennar’s Everything’s Included® promise, which includes new appliances as well as quartz countertops, and more in the price of your home. The Glades at Crossprairie is one of the most anticipated new communities. Residents will enjoy an amenity-rich lifestyle with access to a sparkling swimming pool, modern fitness center, playground, trails and dog park. With convenient proximity to the Turnpike, this community is a short drive from downtown Saint Cloud and an array of outdoor recreation destinations, including Lakefront Park and Cherokee Point Conservation Area. Plus, the Lakefront Marina provides easy boat storage for endless fun on the water.

5142 Loyalty Drive, St Cloud
$449,000
3 Beds ⋅ 2 Baths ⋅ Sawgrass Unit 3a SubDv. ⋅ 34772 Zip Code
coming soon

3279 Countryside View Drive, St Cloud
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