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 300 communities. The median asking price is $399,845, from $300,000 to $499,999. Listings in St Cloud without that feature have a median of $564,900. Most listings right now: Harmony West (44), Buena Lago (26), Preston Cove Ph 1 & 2 (23). Updated September 11, 2026 from the MLS.

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	44	43	$405,000	$330,156
Buena Lago	26	25	$418,490	$380,000
Preston Cove Ph 1 & 2	23	20	$324,990	$310,000
The Crossings Ph 2	20	20	$448,337	$384,900
	19	19	$459,990	$404,990
Estates At Hickory Cove	18	18	$381,142	$361,295
St Cloud 2Nd Town Of	17	0	$340,000	$305,000
Center Lake On The Park	15	15	$439,990	$329,990
Springhead Lakes 40S	15	15	$436,490	$396,490
Waterlin 45'S	15	15	$408,990	$379,999
Bridge Pointe	15	15	$339,360	$334,360
Crossprairie 50S	13	13	$461,490	$420,390
Brack Ranch	13	11	$429,490	$348,490
The Meadow At Crossprairie	12	12	$425,000	$400,000
The Meadow At Crossprairie Townes	12	12	$327,685	$310,750
Harmony Central Ph 2	11	11	$390,000	$375,000
The Waters At Center Lake Ranch	9	9	$461,870	$400,000
The Landing'S At Live Oak	9	9	$399,790	$387,990
Crossprairie 25 Th	9	9	$327,000	$308,500
Cyrene At Harmony	9	9	$324,990	$312,990
The Reserve At Twin Lakes	8	8	$432,467	$384,990
Trinity Place Ph 1	8	7	$393,990	$329,000
Harmony Central	8	8	$381,450	$355,000
Springhead Lakes 25Th	8	8	$370,990	$350,490
Del Webb Sunbridge	8	6	$370,196	$355,000
Del Webb Twin Lakes	8	8	$345,905	$332,520
Sky Lakes Ph 2 & 3	8	6	$339,995	$335,990
Lakeside At Satilla	7	7	$474,990	$443,490
Prairie Oaks	7	1	$409,000	$355,500
	6	0	$454,500	$412,500
S L & I C	6	0	$424,700	$349,900
	6	0	$411,950	$392,900
The Meadow At Crossprairie Bungalows	6	6	$386,000	$370,000
Live Oak Lake Ph 1	6	0	$385,000	$369,900
Ralston Reserve	6	6	$374,900	$369,900
Terra Haven	6	6	$347,999	$335,999
Lakeshore At Narcoossee Ph 2	6	0	$327,445	$300,000
Bay Lake Farms At St Cloud	5	5	$479,990	$439,990
Weslyn Park	5	4	$479,990	$429,000
Trinity Place Ph 2	5	5	$469,449	$408,314
Amelia Groves Ph 1	5	0	$454,000	$399,000
Palmeras At Crossprairie	5	5	$439,990	$314,575
Pine Glen	5	0	$420,000	$379,990
	5	0	$415,000	$399,900
Silver Springs	5	0	$410,000	$344,900
	5	0	$409,900	$350,000
Havenfield At Cross Prairie	5	1	$405,990	$329,000
Old Hickory Ph 3	5	0	$369,900	$330,000
	5	0	$358,000	$333,900
Gramercy Farms Ph 6	5	0	$329,000	$325,000
Northwest Lakeside Groves Ph 1	5	0	$320,000	$304,000
Brack Ranch Ph 2	4	4	$484,490	$465,990
Sola Vista	4	0	$452,500	$400,000
Stonewood Estates	4	0	$437,500	$345,000
Stevens Plantation	4	0	$432,450	$380,000
Esprit Ph 1	4	0	$417,000	$309,900
Waterlin 50'S	4	4	$410,140	$407,390
Villages At Harmony Ph 1C-1 & 1D	4	2	$399,950	$329,900
Wiregrass Ph 1	4	0	$397,250	$385,000
Esplanade At Center Lake Ranch	4	3	$393,950	$314,999

Also with homes $300K–$500K for sale

(4)
Estates Of Westerly (4)
(4)
Southern Pines Ph 4 (4)
Edgewater Ed-4 Lt 1 Rep (4)
Pinewood Gardens (4)
Crossprairie 32S (4)
Battaglia (4)
(4)
(4)
Havenfield At Cross Prairie Ph 2 (3)
Gardens At Lancaster Park (3)
Summerly Ph 2 (3)
(3)
Hanover Lakes Ph 4 (3)
(3)
Pine Grove Reserve (3)
Suncrest (3)
(3)
Weslyn Park Ph 1 (3)
Pine Glen Ph 4 (3)
Eagle Meadow (3)
Summerly (3)
(3)
Harmony Nbhd G H F (3)
St Cloud Manor Village (3)
Buena Lago Ph 4 (3)
Brixton Twnhms (3)
Narcoossee New Map Of (3)
Sunbrooke Ph 1 (3)
Villages At Harmony Ph 2A (3)
Savanna (3)
Esprit Ph 01 (3)
New Eden On The Lakes Unit A (3)
Sunbrooke Ph 2 (3)
Gramercy Farms Ph 8 (3)
Anthem Park Ph 3A (3)
Del Webb Sunbridge Ph 1C (3)
Canoe Creek Woods Unit 7 (3)
Canaveral Acres 1 (3)
Turtle Creek Ph 1A (3)
Northwest Lakeside Groves Ph 2 (3)
Hanover Lakes Ph 2 (2)
Silver Spgs (2)
(2)
(2)
Arrowhead Country Estates Unrec (2)
(2)
Turtle Creek Ph 1B (2)
Reserve At Pine Tree (2)
Old Hickory Ph 4 (2)
The Crossings (2)
Tyson Reserve (2)
(2)
Harmony Central-Ph 2 (2)
Southern Pines Ph 5 (2)
Hanover Lakes Ph 3 (2)
Gramercy Farms Ph 3 (2)
(2)
Indian Lakes (2)
Estates At Southern Pines (2)
Villagio (2)
Harmony West Ph 1A (2)
(2)
Canaveral Acres 2 (2)
Deer Run Estates Ph 2 (2)
(2)
Canoe Creek Crossings (2)
Gramercy Farms Ph 4 (2)
Hanover Lakes Ph 5 (2)
Doe Run At Deer Creek (2)
Esprit (2)
Split Oak Reserve (2)
(2)
(2)
Esprit Ph 2 (2)
St Cloud Manor Estates Unit 3 (2)
(2)
Esprit Ph 3B (2)
Ashton Park (2)
Gramercy Farms Ph 1 (2)
Palmeras At Crosspraire (2)
Gramercy Farms Ph 7 (2)
Canoe Creek Woods Unit 1 (2)
Southern Pines Unit 3A (2)
Thompson Grove (2)
Sunny Acres Corr Of (2)
Weslyn Park Ph 2 (2)
Pine Grove Park (2)
Countryside (2)
Eden At Cross Prairie (2)
Del Webb Sunbridge Ph 1 (1)
Amelia Groves (1)
(1)
(1)
(1)
Hammock Pointe Unit 2 (1)
Bay Lake Ranch Unit 2 (1)
Brack Ranch Ph 1 (1)
Esprit Ph 02 (1)
Osceola Shores (1)
(1)
Springhead Lakes 50S (1)
Bay Lake Farms At Saint Cloud (1)
Tymber Cove (1)
Roberts Grove 2 (1)
(1)
(1)
(1)
(1)
Lake Lizzie Reserve (1)
Southern Pines (1)
St Cloud 2Nd Plat Town Of (1)
(1)
Deer Creek West (1)
Twin Lakes Ranchettes (1)
Majestic Oaks (1)
(1)
(1)
Nova Grove (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)
Del Webb Sunbridge Ph 2A (1)
Indian Lakes Ph 7 (1)
Wiregrass Ph 2 (1)
(1)
(1)
(1)
New Eden On The Lakes Units 11 & 14 Rep (1)
St Cloud Manor Estates Unit 1 (1)
(1)
Briarwood Estates (1)
Narcoossee New Map (1)
Heritage Place Of St Cloud (1)
Bay Lake Estates (1)
Siena Reserve Ph 2C (1)
(1)
Split Oak Estates (1)
(1)
(1)
(1)
(1)
Maple Terrace (1)
Tucker Estates (1)
Harmony Nbhd J (1)
Holopaw Country Estates Sec 1 (1)
Canoe Creek Woods Unit 5 (1)
(1)
(1)
(1)
Indian Lakes Ph 3 (1)
(1)
(1)
(1)
Esprit Ph 3A (1)
(1)
(1)
Siena Reserve Ph 3 (1)
(1)
Summerly Ph 3 (1)
Buena Lago Ph 5 (1)
Villages At Harmony Ph 1C-2 (1)
Canoe Creek Lakes (1)
Lorraine Estates (1)
(1)
Wiregrass (1)
East St Cloud Commerce Center (1)
Siena Reserve (1)
Anthem Park Ph 3B (1)
Canoe Creek Lakes Unit 4 (1)
Villages/Harmony Ph 2E & 2F (1)
The Landing At Runnymede (1)
(1)
Millers Grove 1 (1)
Old Hickory 50S (1)
(1)
(1)
(1)
(1)
Shores (1)
Harmony Nbrhd J (1)
Kaley Brooke Shores (1)
Canoe Creek Lakes Unit 5 (1)
Hannover Lakes (1)
Harmony Nbhd F (1)
(1)
Deer Run Estates (1)
(1)
(1)
Rivercrest At Narcoossee (1)
Enclave At Lakes Of Harmony (1)
Canoe Creek Woods Unit 11 (1)
Brixton (1)
Owns At Narcoossee Commons (1)
Sanctuary At South Town (1)
Bridgewalk (1)
Pine Chase Estates Unit 2 (1)
Estates At Hickory Sove (1)
Harmony Central Ph 1 (1)
Villa Homes Village (1)
(1)
Sterling Manor Estates (1)
Bridgewalk Ph 1A (1)
Shelter Cove (1)
Southern Pines Ph 3B (1)
Esprit Ph 3D (1)
(1)
Gramercy Farms Ph 9B (1)
Blackberry Creek Unit 3 (1)
Harmony Nbhd H-1 (1)
(1)
Savanna Park (1)
Towns At Narcoossee Commons (1)
Gramercy Farms Ph 5 (1)
Anthem Park Ph 01B (1)
(1)
New Eden On The Lakes (1)
Eden At Cross Prairie Ph 2 (1)
(1)
Lakeshore At Narcoossee Ph 1 (1)
Ashley Park At Harmony (1)
(1)
The Gardens (1)
Charleston Square (1)
(1)
Magnolia Glen (1)
(1)
Canaveral Acres 4 (1)
Benjamin Estates (1)
Oaktree Pointe Villas (1)
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(1)
(1)
(1)
Natchez Trace (1)
Palamar Oaks Village Rep (1)
(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 September 11, 2026, 940 St Cloud, FL listings whose MLS record reports an asking price between $300,000 and $500,000 are active or pending, across 300 communities. The count updates with every MLS refresh.

What do homes $300K–$500K cost in St Cloud?

The median asking price today is $399,845, with listings from $300,000 to $499,999. St Cloud listings without that feature have a median of $564,900.

Which St Cloud community has the most homes $300K–$500K for sale?

Harmony West has the most right now (44), followed by Buena Lago (26), Preston Cove Ph 1 & 2 (23), The Crossings Ph 2 (20).

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

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.