Homes for Sale $300K to $500K in St Cloud, FL
This page tracks every St Cloud listing with an asking price between $300,000 and $500,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.
940 homes listed between $300,000 and $500,000 are for sale or pending in St Cloud, FL today across 305 communities. The median asking price is $400,000, from $300,000 to $499,999. Listings in St Cloud without that feature have a median of $569,995. Most listings right now: Harmony West (38), Preston Cove Ph 3 (24), Buena Lago (24). Updated October 2, 2026 from the MLS.
Live $300k–$500k homes in St. Cloud: the listings
649 active listings match today (59% of St. Cloud inventory), median asking $403,000, $209/sq ft, median 49 days on market. Photo cards link to the listing; refreshed nightly.
Newest $300k–$500k homes in St. Cloud
The most expensive $300k–$500k homes in St. Cloud
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 3385 Wauseon Drive | $499,999 | 2,626 | Hanover Lakes |
| 1461 Clear Brook Place | $499,999 | 2,563 | Reserve At Pine Tree |
| 5829 Guenevere Court | $499,999 | 2,594 | — |
| 6036 Forest Perch Drive | $499,990 | 2,909 | amelia groves |
| 5665 Coopers Hawk Court | $499,990 | 2,077 | Palmeras At Crossprairie |
| 5117 Chattahoochee Bend | $499,990 | 2,051 | Lakeside At Satilla |
| 5874 Sugar Range Road | $499,990 | 2,791 | — |
| 2898 Matera Drive | $499,900 | 2,538 | split oak estates |
| 6261 Citrus Grove Court | $499,900 | 1,919 | Del Webb Sunbridge |
| 5415 Duxford Circle | $499,900 | 2,540 | Gardens At Lancaster Park |
$300K–$500K Homes by price
| Band | For sale | Share |
|---|---|---|
| $300K–$500K | 649 | 100% |
St Cloud homes $300K–$500K by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most homes $300K–$500K listed are tabled; the rest follow.
| Community | Homes $300K–$500K | New build | Median list | From |
|---|---|---|---|---|
| Harmony West | 38 | 37 | $405,495 | $330,156 |
| Preston Cove Ph 3 | 24 | 24 | $457,493 | $404,990 |
| Buena Lago | 24 | 23 | $433,993 | $380,000 |
| Waterlin 45'S | 24 | 24 | $413,990 | $379,999 |
| The Crossings Ph 2 | 22 | 22 | $444,030 | $384,900 |
| Preston Cove Ph 1 & 2 | 20 | 17 | $324,990 | $314,997 |
| Estates At Hickory Cove | 17 | 17 | $380,385 | $363,900 |
| Crossprairie 50S | 14 | 14 | $461,490 | $421,890 |
| Springhead Lakes 40S | 14 | 14 | $446,240 | $400,490 |
| Center Lake On The Park | 14 | 14 | $444,990 | $319,990 |
| St Cloud 2Nd Town Of | 14 | 0 | $340,000 | $300,000 |
| Pine Grove Reserve | 13 | 13 | $434,990 | $359,340 |
| Harmony Central Ph 2 | 13 | 13 | $366,900 | $341,900 |
| Bridge Pointe | 13 | 13 | $339,360 | $334,360 |
| Brack Ranch | 11 | 10 | $439,490 | $348,490 |
| The Landing'S At Live Oak | 10 | 10 | $403,190 | $364,990 |
| Del Webb Twin Lakes | 10 | 10 | $344,380 | $332,520 |
| The Meadow At Crossprairie Townes | 10 | 10 | $330,000 | $306,620 |
| Prairie Oaks | 9 | 1 | $440,000 | $355,000 |
| The Meadow At Crossprairie | 9 | 9 | $420,000 | $400,000 |
| Springhead Lakes 25Th | 9 | 9 | $370,490 | $349,990 |
| Del Webb Sunbridge | 9 | 6 | $369,746 | $355,000 |
| Lakeside At Satilla | 8 | 8 | $474,990 | $443,490 |
| The Waters At Center Lake Ranch | 8 | 8 | $463,435 | $420,534 |
| The Reserve At Twin Lakes | 8 | 8 | $449,967 | $395,000 |
| Harmony Central | 8 | 8 | $371,400 | $341,900 |
| Cyrene At Harmony | 8 | 8 | $327,490 | $314,990 |
| Amelia Groves Ph 1 | 7 | 0 | $452,000 | $399,000 |
| Twin Lakes Ph 1 | 7 | 0 | $409,000 | $379,000 |
| Trinity Place Ph 1 | 7 | 5 | $400,000 | $329,000 |
| Sky Lakes Ph 2 & 3 | 7 | 6 | $339,990 | $335,990 |
| Twin Lakes Ph 2A-2B | 6 | 0 | $443,950 | $399,000 |
| Gramercy Farms Ph 6 | 6 | 0 | $331,000 | $310,000 |
| Crossprairie 25 Th | 6 | 6 | $325,750 | $308,500 |
| Brack Ranch Ph 2 | 5 | 5 | $492,990 | $465,990 |
| Bay Lake Farms At St Cloud | 5 | 5 | $479,990 | $434,990 |
| Gardens At Lancaster Park | 5 | 5 | $475,500 | $457,900 |
| Weslyn Park | 5 | 4 | $459,990 | $429,000 |
| Palmeras At Crossprairie | 5 | 5 | $439,990 | $314,575 |
| S L & I C | 5 | 0 | $419,900 | $349,900 |
| Pine Glen | 5 | 0 | $415,000 | $379,990 |
| Siena Reserve Ph 2A & 2B | 5 | 0 | $415,000 | $399,900 |
| Waterlin 50'S | 5 | 5 | $412,640 | $407,390 |
| Whaleys Creek Ph 1 | 5 | 0 | $409,900 | $350,000 |
| Silver Springs | 5 | 0 | $395,000 | $344,900 |
| The Meadow At Crossprairie Bungalows | 5 | 5 | $387,000 | $375,000 |
| Live Oak Lake Ph 1 | 5 | 0 | $385,000 | $356,000 |
| Crossprairie 32S | 5 | 5 | $360,090 | $336,990 |
| Lakeshore At Narcoossee Ph 2 | 5 | 0 | $329,990 | $314,900 |
| Trinity Place Ph 2 | 4 | 4 | $469,016 | $408,314 |
| Sola Vista | 4 | 0 | $460,000 | $400,000 |
| Tumbleson | 4 | 4 | $432,465 | $388,490 |
| Silver Spgs | 4 | 0 | $427,450 | $375,000 |
| Sunset Groves Ph 2 | 4 | 0 | $425,000 | $389,900 |
| Esprit Ph 1 | 4 | 0 | $417,000 | $309,900 |
| Summerly | 4 | 0 | $415,000 | $399,900 |
| Estates Of Westerly | 4 | 0 | $405,000 | $359,000 |
| Wiregrass Ph 1 | 4 | 0 | $394,250 | $375,000 |
| Eagle Meadow | 4 | 0 | $388,950 | $339,900 |
| Lake Front Add To Town Of St Cloud | 4 | 0 | $387,000 | $320,000 |
Also with homes $300K–$500K for sale
- Narcoossee New Map Of (4)
- Ralston Reserve (4)
- Old Hickory Ph 3 (4)
- Havenfield At Cross Prairie (4)
- Southern Pines Ph 4 (4)
- Pinewood Gardens (4)
- Sunbrooke Ph 2 (4)
- Anthem Park Ph 3A (4)
- Weslyn Park Ph 2 (4)
- Esplanade At Center Lake Ranch (4)
- Northwest Lakeside Groves Ph 1 (4)
- Arcadia At Crossprairie (3)
- Summerly Ph 2 (3)
- Suncrest (3)
- Doe Run At Deer Creek (3)
- Stonewood Estates (3)
- Stevens Plantation (3)
- Weslyn Park Ph 1 (3)
- Villages At Harmony Ph 1C-1 & 1D (3)
- Villages At Harmony Ph 1C-2 (3)
- Canaveral Acres 2 (3)
- Buena Lago Ph 1 & 2 (3)
- Harmony Nbhd G H F (3)
- St Cloud Manor Village (3)
- Buena Lago Ph 4 (3)
- Brixton Twnhms (3)
- Esprit Ph 2 (3)
- Edgewater Ed-4 Lt 1 Rep (3)
- Mallard Pond Ph 1 (3)
- Sunbrooke Ph 1 (3)
- Villages At Harmony Ph 2A (3)
- Savanna (3)
- Esprit Ph 01 (3)
- Crossings Ph 1 (3)
- Del Webb Sunbridge Ph 1C (3)
- Whaley Grove (3)
- Canoe Creek Woods Unit 7 (3)
- Canoe Creek Estates (3)
- Hanover Lakes Ph 2 (2)
- Camelot Unit 4 (2)
- Split Oak Estates (2)
- Hanover Lakes Ph 4 (2)
- Bridgewalk Ph 1B 2A & 2B (2)
- Bristol Cove At Deer Creek Ph 1 (2)
- Del Webb Sunbridge Ph 2C (2)
- Old Hickory Ph 4 (2)
- Keystone Pointe Ph 3 (2)
- Turtle Creek Ph 1B (2)
- East Lake Reserve At Narcoossee Unit 2 (2)
- Split Oak Reserve (2)
- Sawgrass Unit 3A (2)
- Harmony Central-Ph 2 (2)
- Gramercy Farms Ph 3 (2)
- New Eden On The Lakes Units 11 & 14 Rep (2)
- Indian Lakes (2)
- Estates At Southern Pines (2)
- Harmony Nbhd J (2)
- Narcoossee Village Ph 1 (2)
- Ellington Place (2)
- Harmony West Ph 1A (2)
- Deer Run Estates Ph 2 (2)
- Pine Glen Ph 4 (2)
- Harmony (2)
- Gramercy Farms Ph 4 (2)
- Hanover Lakes Ph 5 (2)
- Deer Run Estates (2)
- Esprit (2)
- Fawn Meadows At Deer Creek Ph 1 (2)
- Canoe Creek Lakes Unit 10 (2)
- Twin Lakes (2)
- St Cloud Manor Estates Unit 3 (2)
- Esprit Ph 3B (2)
- Sawgrass Unit 3B (2)
- Gramercy Farms Ph 8 (2)
- Palmeras At Crosspraire (2)
- Gramercy Farms Ph 7 (2)
- New Eden On The Lakes Unit A (2)
- Old Hickory Ph 1 & 2 (2)
- Southern Pines Unit 3A (2)
- Canoe Creek Woods Unit 1 (2)
- Thompson Grove (2)
- Battaglia (2)
- Canaveral Acres 1 (2)
- Northwest Lakeside Groves Ph 2 (2)
- Gramercy Farms Ph 5 (2)
- Countryside (2)
- Sunny Acres Corr Of (2)
- Pine Grove Park (2)
- St Cloud (2)
- Eden At Cross Prairie (2)
- Reserve At Pine Tree (1)
- Camelot Unit 2 (1)
- Del Webb Sunbridge Ph 1 (1)
- East Lake Cove (1)
- Nova Pointe Ph 2 (1)
- Canopy Walk Ph 1 (1)
- Hammock Pointe Unit 2 (1)
- Bay Lake Ranch Unit 2 (1)
- Tyson Reserve (1)
- Esprit Ph 02 (1)
- Narcoossee Del Sol (1)
- Springhead Lakes 50S (1)
- Wiregrass Ph 2 (1)
- Brack Ranch Ph 1 (1)
- Tymber Cove (1)
- Sawgrass Unit 2 (1)
- Twin Lakes Ph 8 (1)
- Southern Pines Ph 5 (1)
- Lake Lizzie Reserve (1)
- Southern Pines (1)
- St Cloud 2Nd Plat Town Of (1)
- Mallard Pond Ph 3 (1)
- Hanover Lakes Ph 1 (1)
- Pine Lake Estates Unit B (1)
- Deer Creek West (1)
- Twin Lakes Ranchettes (1)
- Majestic Oaks (1)
- Waters/Center Lk Ranch Ph 1B (1)
- Whaleys Creek Ph 3 (1)
- Brack Branch (1)
- Keystone Pointe Ph 2 (1)
- Avellino (1)
- Preserve At Turtle Creek Ph 5 (1)
- Bay Lake Ranch Unit 3 (1)
- Villages At Harmony Ph 1B (1)
- Del Webb Sunbridge Ph 2C (1)
- Roberts Grove 2 (1)
- Turtle Creek Ph 1A (1)
- Del Webb Sunbridge Ph 2A (1)
- Indian Lakes Ph 7 (1)
- Quail Wood Unit 02 (1)
- St Cloud Manor Estates Unit 1 (1)
- Hanover Lakes Ph 3 (1)
- Briarwood Estates (1)
- Mallard Pond Ph 4B (1)
- Lancaster Park East Ph 3 & 4 (1)
- Narcoossee New Map (1)
- Heritage Place Of St Cloud (1)
- Bay Lake Estates (1)
- Siena Reserve Ph 2C (1)
- Siena Reserve Phase 2A & 2B (1)
- Nova Grove (1)
- Sweetwater Creek Unit 5 (1)
- Arrowhead Country Estates Unrec (1)
- Oakley Place (1)
- Maple Terrace (1)
- Tucker Estates (1)
- Holopaw Country Estates Sec 1 (1)
- Harmony Nbhd H-2 (1)
- Canoe Creek Woods Unit 5 (1)
- Trinity Place Ph 1 (1)
- Preserve At Turtle Creek (1)
- East Lake Reserve At Narcoossee Unit 3 (1)
- Glenwood Ph 2 - Glenwood Wiggins Hoa (1)
- Anthem Park Ph 1A (1)
- Mallard Pond (1)
- Indian Lakes Ph 3 (1)
- Twin Lakes Ph 7A (1)
- Chancellor (1)
- Quail Wood Unit 2 (1)
- Canoe Creek Woods Unit 8 (1)
- The Crossings (1)
- S L & I C (1)
- Avellino Sub (1)
- Preserve At Turtle Creek Ph 3 & 4 (1)
- Whaleys Creek Ph 2 (1)
- Summerly Ph 3 (1)
- Amelia Groves Ph 1 (1)
- Buena Lago Ph 5 (1)
- Lorraine Estates (1)
- Lancaster Park East Ph 1 (1)
- Wiregrass (1)
- East St Cloud Commerce Center (1)
- Siena Reserve Ph 3 (1)
- Anthem Park Ph 3B (1)
- Canoe Creek Lakes Unit 4 (1)
- Villagio (1)
- The Landing At Runnymede (1)
- Indian Lakes Ph 5 & 6 (1)
- Canopy Walk Ph 2 (1)
- Millers Grove 1 (1)
- Old Hickory 50S (1)
- Pine Lake Estates Unit 5 (1)
- Villages/Harmony Ph 2E And 2F (1)
- Rivercrest/Narcoossee (1)
- Sweetwater Creek Unit 1 (1)
- Harmony Central Ph2 (1)
- Gramercy Farms Ph 9A (1)
- Harmony Nbrhd J (1)
- Kaley Brooke Shores (1)
- Sawgrass Unit 1 (1)
- Siena Reserve (1)
- Shores (1)
- Hannover Lakes (1)
- Town Park Sub (1)
- Esprit Ph 3A (1)
- Havenfield At Cross Prairie Ph 2 (1)
- Southern Pines Unit 1 (1)
- Glenwood Ph 1 (1)
- Terra Haven (1)
- Canoe Creek Crossings (1)
- Canoe Creek Woods Unit 11 (1)
- Brixton (1)
- Owns At Narcoossee Commons (1)
- Sanctuary At South Town (1)
- Pine Lake Estates Unit 1 (1)
- Bridgewalk (1)
- Pine Chase Estates Unit 2 (1)
- Rivercrest At Narcoossee (1)
- Estates At Hickory Sove (1)
- Villa Homes Village (1)
- Gramercy Farms Ph 1 (1)
- Canoe Creek Lakes Unit 07 (1)
- Mallard Pond Ph 1-3 (1)
- Sterling Manor Estates (1)
- Shelter Cove (1)
- Harmony Central Ph 1 (1)
- Canoe Creek Lakes (1)
- Gramercy Farms Ph 9B (1)
- Ashton Park (1)
- Blackberry Creek Unit 3 (1)
- Sawgrass Unit 6 (1)
- Savanna Park (1)
- Anthem Park Ph 01B (1)
- Bristol Cove At Deer Creek Ph 2 (1)
- New Eden On The Lakes (1)
- Eden At Cross Prairie Ph 2 (1)
- Harmony Neighborhoods G-H-F (1)
- Lakeshore At Narcoossee Ph 1 (1)
- Ashley Park At Harmony (1)
- Runnymede Shores (1)
- Christine Estates (1)
- Palmeras At Crossprarie (1)
- Canaveral Acres 3 (1)
- The Gardens (1)
- Charleston Square (1)
- Crossings Ph 1 Rep (1)
- Canaveral Acres 4 (1)
- Benjamin Estates (1)
- Oaktree Pointe Villas (1)
Where this band sits in the market
The answer block above shows how the median of this band compares with the rest of the city’s listings, which tells you whether $300,000–$500,000 is the middle of the market here or the top of it. Within the band, compare on price per square foot and year built: newer subdivisions usually price higher per foot with lower expected maintenance, older ones the reverse. Each community page carries the HOA and CDD picture, the year-built range and the sales history, so two homes at the same price can be told apart in a few minutes.
Questions to ask about any listing in this band
What are the total monthly carrying costs (taxes, insurance, HOA, CDD) and how do they compare with a similar home two communities over? What is the age of the roof, HVAC and water heater? Is the community’s HOA financially healthy (reserves, no pending assessment)? How many days has the listing been on the market and has the price moved? A local agent who works the area will know which communities in this band are trading at asking and which are negotiating.
Common questions
How many homes listed between $300,000 and $500,000 are for sale in St Cloud?
As of October 2, 2026, 940 St Cloud, FL listings whose MLS record reports an asking price between $300,000 and $500,000 are active or pending, across 305 communities. The count updates with every MLS refresh.
What do homes $300K–$500K cost in St Cloud?
The median asking price today is $400,000, with listings from $300,000 to $499,999. St Cloud listings without that feature have a median of $569,995.
Which St Cloud community has the most homes $300K–$500K for sale?
Harmony West has the most right now (38), followed by Preston Cove Ph 3 (24), Buena Lago (24), Waterlin 45'S (24).
What is the monthly payment on a $400,000 home?
At today’s rates with 20% down, principal and interest on a $400,000 purchase runs roughly $2,000–$2,300 a month before taxes, insurance and any HOA; each listing page shows the property tax and fees for that home, and the true-cost calculator turns them into one monthly figure.
Keep exploring St Cloud
- All homes for sale in St Cloud
- St Cloud ZIP codes with prices
- St Cloud pool homes
- St Cloud waterfront homes
- St Cloud golf course homes
- St Cloud gated community homes
- St Cloud 4-bedroom homes
- St Cloud homes under $300K
- Homes $300K–$500K in every city
Homes $300K–$500K in nearby Osceola County cities
- Kissimmee homes $300K–$500K (1599 for sale)
- Reunion homes $300K–$500K (69 for sale)
- Harmony homes $300K–$500K (45 for sale)
- Celebration homes $300K–$500K (24 for sale)
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in St Cloud, FL whose MLS record reports an asking price between $300,000 and $500,000. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.
Listings courtesy of Stellar MLS as distributed by MLS GRID.