Gated Communities in St Cloud, FL
Looking for gated communities in St Cloud, FL? Momentum tracks 27 St Cloud communities with evidence of gated community living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
St Cloud gated communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| Center Lake on the Park · agent | St Cloud | $494,000 | – | 96 d |
| Esplanade at Center Lake Ranch · agent | St Cloud | $500,000 | – | 81 d |
| Bay Lake Farms at St Cloud · agent | St Cloud | $497,000 | – | 98 d |
| EDEN AT CROSSPRAIRIE · agent | St Cloud | $525,000 | – | – |
| CANAVERAL ACRES 1 · agent | St Cloud | $307,000 | – | 24 d |
| LAKESHORE AT NARCOOSSEE · agent | St Cloud | $458,000 | – | 56 d |
| NORTHWEST LAKESIDE GROVES · agent | St Cloud | $304,000 | – | 134 d |
| DEL WEBB TWIN LAKES · agent | St Cloud | $452,000 | – | 27 d |
| LAKE POINTE · agent | St Cloud | $584,000 | – | 48 d |
| SHELTER COVE · agent | St Cloud | $142,000 | – | 5 d |
| SEMINOLE LAND & INV CO · agent | St Cloud | $778,000 | – | 20 d |
| BLACKSTONE · agent | St Cloud | $390,000 | – | 110 d |
| TWIN LAKES NORTHWEST LAKESIDE GROVES · agent | St Cloud | $275,000 | – | – |
| PORTOFINO VISTA · agent | St Cloud | $220,000 | – | 30 d |
| CANAVERAL ACRES 3 · agent | St Cloud | $216,000 | – | 7 d |
| NARCOOSSEE NEW MAP · agent | St Cloud | $490,000 | – | 117 d |
| LAKE LIZZIE RESERVE · agent | St Cloud | $475,000 | – | 55 d |
| LAKE AJAY VILLAGE · agent | St Cloud | $625,000 | – | 225 d |
| SERENITY RESERVE · agent | St Cloud | $620,000 | – | 15 d |
| VILLAGIO · agent | St Cloud | $480,000 | – | 68 d |
| THE LAKES OF HARMONY · agent | St Cloud | $277,000 | – | – |
| SEMINOLE LAND AND INVESTMENT DEVELOPMENT | St Cloud | – | – | 135 d |
| HARMONY NBRHD J | St Cloud | – | – | 109 d |
| HANNOVER LAKES | St Cloud | – | – | 163 d |
| HIDDEN OAKS | St Cloud | – | – | 163 d |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
Every other tracked gated communities in St Cloud
What gates change about ownership
Controlled access typically comes with a manned gate, a transponder system, or both — funded through HOA dues. Expect guest-access procedures, delivery and contractor rules, and in some communities rental restrictions. Review the HOA budget for how the gate and any roving patrol are funded, and whether roads are private (the HOA maintains them — another line in the dues) or public.
Due diligence before you buy behind a gate
Request the HOA documents early: budget, reserves, rules, and the last two years of meeting minutes. Private roads, gates and common areas are owner-funded, so thin reserves become special assessments. Our buyer closing costs calculator helps you model dues and assessments into the real monthly cost.
What it costs to own here
At Osceola County’s typical combined millage of 15.23 mills, a purchase at $475,000 (the median across these St Cloud gated communities) generates roughly $7,236 a year in property tax before exemptions — about $603 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Osceola County average about $1,735 a year ($145 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Osceola County near $2,191 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Osceola County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Osceola County right now
In the most recent IRS migration data (2022-2023), Osceola County gained a net 5,703 people to relocation, with the largest inbound flows from NY, NJ, TX. Households moving IN reported average incomes of $59,276 versus $52,104 for those leaving — the income mix of demand, straight from tax filings. Population is up about 20.2% over the recent multi-year window. On the supply side, builders pulled 7,366 residential permits in Osceola County in 2025 (5,085 single-family), down 16.4% year over year — against 10,003 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 7.3% versus its income-and-rent fundamentals.
Live inventory, refreshed nightly from the MLS.
Live gated-community listings in St. Cloud
77 active listings carry the flag today (9% of St. Cloud inventory), median asking $473,530, $229/sq ft, median 38 days on market. Photo cards link to the listing; refreshed nightly.
Newest gated community homes in St. Cloud
The most expensive gated community homes in St. Cloud
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 5301 Carson Street | $1,849,000 | 4,075 | Narcoossee New Map |
| 5229 Waterside Vista Lane | $1,375,000 | 5,193 | Waterside Vista |
| 5205 Waterside Vista Lane | $1,200,000 | 5,193 | Waterside Vista |
| 2722 River Creek Lane | $1,025,000 | 3,778 | Del Webb Sunbridge |
| 997 Tassleflower Trail | $999,768 | 2,833 | esplanade at center lake ranch |
| 2744 Nature View Road | $924,900 | 2,866 | Del Webb Sunbridge |
| 2865 Cherry Blossom Loop | $879,000 | 2,854 | Del Webb Sunbridge |
| 2555 Pine Preserve Court | $855,000 | 2,866 | Del Webb Sunbridge |
| 2745 Nature View Road | $849,000 | 2,806 | Del Webb Sunbridge |
| 1003 Tassleflower Trail | $839,904 | 2,306 | esplanade at center lake ranch |
Gated Community Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 6 | 8% |
| $300Kâ$500K | 40 | 52% |
| $500Kâ$750K | 20 | 26% |
| $750Kâ$1M | 7 | 9% |
| $1M+ | 4 | 5% |
St Cloud gated community homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Gated Community Homes | New build | Median list | From |
|---|---|---|---|---|
| Twin Lakes Ph 2A-2B | 14 | 0 | $517,450 | $412,500 |
| Esplanade At Center Lake Ranch | 13 | 12 | $564,016 | $314,999 |
| Center Lake On The Park | 11 | 11 | $439,990 | $331,990 |
| Del Webb Sunbridge | 11 | 7 | $375,000 | $355,000 |
| Twin Lakes Ph 1 | 8 | 0 | $432,400 | $279,999 |
| Del Webb Twin Lakes | 8 | 8 | $345,905 | $332,520 |
| Teka Village Ph 1 | 7 | 0 | $165,000 | $124,999 |
| Bay Lake Farms At St Cloud | 6 | 6 | $537,490 | $479,990 |
| Lakeshore At Narcoossee Ph 2 | 6 | 0 | $327,445 | $300,000 |
| Northwest Lakeside Groves Ph 2 | 6 | 1 | $297,499 | $285,000 |
| S L & I C | 5 | 0 | $999,000 | $815,000 |
| East Lake Park Ph 3-5 | 5 | 0 | $700,000 | $575,000 |
| Weslyn Park | 5 | 5 | $599,990 | $499,990 |
| Del Webb Sunbridge Ph 1C | 5 | 0 | $357,888 | $300,000 |
| Northwest Lakeside Groves Ph 1 | 5 | 0 | $320,000 | $304,000 |
| Del Webb Sunbridge Ph 1 | 4 | 0 | $748,750 | $499,900 |
| Twin Lakes Ph 2C | 4 | 0 | $582,450 | $514,900 |
| Lake Ajay Village | 3 | 0 | $624,500 | $550,000 |
| Del Webb Sunbridge Ph 2A | 3 | 0 | $569,900 | $455,000 |
| Shelter Cove | 3 | 0 | $200,000 | $125,000 |
| Narcoossee New Map Of | 2 | 0 | $2,825,000 | $2,250,000 |
| Waterside Vista | 2 | 0 | $1,287,500 | $1,200,000 |
| Del Webb Sunbridge Ph 2B | 2 | 0 | $777,000 | $699,000 |
| Hanover Lakes Ph 5 | 2 | 0 | $644,500 | $639,000 |
| East Lake Reserve At Narcoossee Unit 2 | 2 | 0 | $449,900 | $399,900 |
| Lakeshore At Narcoossee Ph 1 | 2 | 0 | $430,769 | $336,639 |
| East Lake Reserve At Narcoossee Unit 3 | 2 | 0 | $422,400 | $394,900 |
| Canaveral Acres 1 | 2 | 0 | $325,450 | $299,900 |
| Teka Village Tr 2 Ph 3 | 2 | 0 | $253,450 | $235,000 |
| Narcoossee New Map | 1 | 0 | $1,849,000 | $1,849,000 |
| Seminole Land & Inv Co | 1 | 0 | $1,300,000 | $1,300,000 |
| Seminole Land And Investment Development | 1 | 0 | $1,030,000 | $1,030,000 |
| Hidden Oaks | 1 | 0 | $700,000 | $700,000 |
| Del Webb Sunbridge Ph 1E | 1 | 0 | $599,000 | $599,000 |
| Nova Pointe Ph 2 | 1 | 0 | $565,000 | $565,000 |
| Camelot Unit 1 | 1 | 0 | $560,000 | $560,000 |
| Hanover Lakes Ph 2 | 1 | 0 | $559,900 | $559,900 |
| East Lake Reserve At Narcoossee Unit 4 | 1 | 0 | $549,900 | $549,900 |
| Twin Lks Phs 2A & 2B | 1 | 0 | $539,700 | $539,700 |
| Camelot Unit 2 | 1 | 0 | $529,900 | $529,900 |
| Camelot Unit 3 | 1 | 0 | $529,000 | $529,000 |
| East Lake Cove Ph 1 | 1 | 0 | $519,000 | $519,000 |
| Lake Lizzie Reserve | 1 | 0 | $479,900 | $479,900 |
| Camelot Unit 4 | 1 | 0 | $474,950 | $474,950 |
| Del Webb Sunbridge Ph 2C | 1 | 0 | $459,900 | $459,900 |
| Harmony Nbhd J | 1 | 0 | $429,000 | $429,000 |
| Harmony Nbrhd J | 1 | 0 | $385,000 | $385,000 |
| Hannover Lakes | 1 | 0 | $380,000 | $380,000 |
| Town Park Sub | 1 | 0 | $378,000 | $378,000 |
| Enclave At Lakes Of Harmony | 1 | 0 | $370,000 | $370,000 |
| Magnolia Glen | 1 | 0 | $285,800 | $285,800 |
| Portofino Vista | 1 | 0 | $263,000 | $263,000 |
| Oak Ridge | 1 | 0 | $260,000 | $260,000 |
Explore more of St Cloud
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Run the numbers in Osceola County
- Find the best agent in Osceola County
- Get a cash offer in Osceola County
- Osceola County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Common questions
How many gated communities does St Cloud, FL have?
What do homes in St Cloud gated communities cost?
How does Momentum classify a community as one of the gated communities?
How much is home insurance in Osceola County?
What are property taxes like in Osceola County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.