Homes for Sale Under $300K in St Cloud, FL

This page tracks every St Cloud listing with an asking price under $300,000, by community, with live counts and asking prices. Prices are asking prices from the MLS, not values, and the list changes with every refresh.

162 homes listed under $300,000 are for sale or pending in St Cloud, FL today across 82 communities. The median asking price is $250,000, from $1,300 to $299,999. Listings in St Cloud without that feature have a median of $439,900. Most listings right now: St Cloud 2Nd Town Of (20), Teka Village Ph 1 (8), Pine Grove Park (6). Updated September 11, 2026 from the MLS.

St Cloud homes under $300K 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 under $300K listed are tabled; the rest follow.

Community	Homes Under $300K	New build	Median list	From
St Cloud 2Nd Town Of	20	0	$269,950	$106,000
	8	0	$167,500	$124,999
Pine Grove Park	6	0	$249,450	$180,000
Magnolia Glen	5	0	$278,000	$259,000
S L & I C	5	0	$225,000	$145,000
Northwest Lakeside Groves Ph 2	4	0	$287,450	$279,000
Anthem Park Ph 2	4	0	$279,500	$277,900
Palm Gardens Condo	4	0	$165,000	$135,000
Heather Hall Condo	4	0	$147,500	$140,000
Canaveral Acres 1	3	0	$299,000	$229,000
	3	0	$270,000	$249,000
	3	0	$259,000	$185,000
Pemberly Pines	3	0	$230,000	$216,000
Canaveral Acres 4	3	0	$217,500	$189,900
	3	1	$215,000	$200,000
Palamar Park	3	0	$150,000	$150,000
	2	0	$296,000	$293,000
	2	0	$282,450	$265,000
	2	0	$264,900	$249,900
The Townhomes At Anthem Park	2	0	$260,000	$255,000
Turtle Creek Ph 1A	2	0	$259,945	$244,890
	2	0	$253,450	$235,000
Canoe Creek Villas	2	0	$252,500	$245,000
King Oak Villas Ph 1 1St Add	2	0	$243,499	$231,999
	2	0	$228,950	$228,000
King Oak Villas Ph 1	2	0	$226,425	$183,850
Portofino Vista	2	0	$221,500	$180,000
Shelter Cove	2	0	$162,500	$125,000
Harmony Nbhd D2 And E	2	0	$140,000	$140,000
Weslyn Pk Phs 4-1B & 4-1C	2	0	$2,825	$2,750
Battaglia	1	0	$299,999	$299,999
Villas Del Castillo Ph Ii	1	0	$299,900	$299,900
Lakeshore At Narcoossee	1	0	$299,500	$299,500
Oakwood Shores	1	0	$295,000	$295,000
Town Center Villas	1	0	$295,000	$295,000
Northwest Lakeside Groves Ph 1	1	0	$294,999	$294,999
Park Lane Villas	1	0	$291,000	$291,000
The Meadow At Crossprairie	1	0	$290,000	$290,000
Twin Lakes Ranchettes	1	0	$289,900	$289,900
	1	0	$285,000	$285,000
	1	0	$280,000	$280,000
	1	0	$279,999	$279,999
St Cloud Manor Village	1	0	$277,000	$277,000
Thompson Grove	1	0	$277,000	$277,000
	1	0	$275,000	$275,000
Turtle Creek	1	0	$274,900	$274,900
	1	0	$274,900	$274,900
Ashley Park At Harmony Condo	1	0	$269,000	$269,000
Pine Lake Villas	1	0	$260,000	$260,000
	1	0	$260,000	$260,000
	1	0	$260,000	$260,000
	1	0	$259,600	$259,600
	1	0	$259,000	$259,000
Barton Court	1	0	$255,000	$255,000
	1	0	$250,999	$250,999
Suncrest	1	0	$250,000	$250,000
Natchez Trace	1	0	$250,000	$250,000
Hunters Ridge	1	0	$250,000	$250,000
	1	0	$249,990	$249,990
	1	0	$249,900	$249,900

Also with homes under $300K for sale

What under $300,000 buys and what to check

In this price band the differences between listings are usually age, size and condition rather than location alone, so read each listing’s year built, square footage and property type (a condo or manufactured home and a single-family home can sit at the same price with very different monthly costs). Budget the full monthly number, not the price: taxes, insurance, and HOA or CDD fees are all on each listing page, and our true cost of ownership calculator puts them into one figure. Insurance quotes on older roofs and older electrical can change which of two similar homes is actually cheaper.

Questions to ask about any listing in this band

How old is the roof, and will insurers write it? Is there a four-point inspection on file? What did the seller pay for insurance last year? In a condo, what are the dues, is there a special assessment or milestone inspection pending, and what do the reserves look like? Is the price a recent reduction, and how long has it been listed? A local agent who works the area will know which communities in this band have the fewest surprises at inspection.

Common questions

How many homes listed under $300,000 are for sale in St Cloud?

As of September 11, 2026, 162 St Cloud, FL listings whose MLS record reports an asking price under $300,000 are active or pending, across 82 communities. The count updates with every MLS refresh.

What do homes under $300K cost in St Cloud?

The median asking price today is $250,000, with listings from $1,300 to $299,999. St Cloud listings without that feature have a median of $439,900.

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

St Cloud 2Nd Town Of has the most right now (20), followed by Teka Village Ph 1 (8), Pine Grove Park (6), Magnolia Glen (5).

What is the monthly payment on a home under $300,000?

At today’s rates with 20% down, principal and interest on a $300,000 purchase runs in the $1,500–$1,700 a month range before taxes, insurance and any HOA; each listing page shows the property tax and fees for that home, and the true-cost calculator linked above turns them into one monthly number.

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 under $300,000. 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.