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.
157 homes listed under $300,000 are for sale or pending in St Cloud, FL today across 86 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 $440,000. Most listings right now: St Cloud 2Nd Town Of (18), Magnolia Glen (6), Teka Village Ph 1 (6). Updated October 2, 2026 from the MLS.
First-time buyers: what St. Cloud costs at the entry level
82 active single-family homes, townhomes and condos at or below $300,000 — median $259,995, about $1,635/mo principal & interest at 6.95% with 5% down. Live from the MLS, refreshed nightly.
Newest homes under $300K in St. Cloud
What the payment looks like
| Purchase price | P&I at 6.95%, 5% down | P&I, 20% down | Cash to close at 5% down (est.) |
|---|---|---|---|
| $150,000 | $943 | $794 | $12,000 |
| $200,000 | $1,258 | $1,059 | $16,000 |
| $250,000 | $1,572 | $1,324 | $20,000 |
| $300,000 | $1,887 | $1,589 | $24,000 |
Estimates only; taxes, insurance, HOA and mortgage insurance are on top. Closing costs assumed at 3%.
Down-payment assistance in Osceola County · First-time buyer guide
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 | 18 | 0 | $269,000 | $106,000 |
| Magnolia Glen | 6 | 0 | $277,500 | $259,000 |
| Teka Village Ph 1 | 6 | 0 | $167,500 | $124,999 |
| S L & I C | 5 | 0 | $250,000 | $217,000 |
| Anthem Park Ph 2 | 4 | 0 | $278,950 | $274,000 |
| St Cloud | 4 | 0 | $260,000 | $239,000 |
| Pine Grove Park | 4 | 0 | $229,950 | $175,000 |
| Heather Hall Condo | 4 | 0 | $146,250 | $130,000 |
| Canaveral Acres 1 | 3 | 0 | $289,000 | $229,000 |
| Kanuga Village Mobile Home Park Ph 2 | 3 | 0 | $245,000 | $185,000 |
| King Oak Villas Ph 1 | 3 | 0 | $240,000 | $182,999 |
| Montagues Village Unit 1 | 3 | 1 | $215,000 | $200,000 |
| Canaveral Acres 4 | 3 | 0 | $208,000 | $189,900 |
| Palamar Park | 3 | 0 | $150,000 | $150,000 |
| Harmony | 2 | 0 | $293,900 | $293,000 |
| Northwest Lakeside Groves Ph 2 | 2 | 0 | $286,750 | $275,000 |
| Suncrest | 2 | 0 | $270,000 | $250,000 |
| S L & I C Town Of St Cloud | 2 | 0 | $264,900 | $249,900 |
| Oak Ridge | 2 | 0 | $259,500 | $259,000 |
| St Cloud 2Nd Plat Town Of | 2 | 0 | $253,950 | $229,900 |
| Teka Village Tr 2 Ph 3 | 2 | 0 | $253,450 | $235,000 |
| Canoe Creek Villas | 2 | 0 | $246,000 | $243,000 |
| King Oak Villas Ph 1 1St Add | 2 | 0 | $243,499 | $231,999 |
| Jefferson Green At Anthem Park Condo Ph 23 | 2 | 0 | $228,950 | $228,000 |
| Portofino Vista | 2 | 0 | $221,500 | $180,000 |
| Narcoossee The Town Of | 2 | 0 | $208,945 | $178,900 |
| 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 |
| Runnymede Shores | 1 | 0 | $299,900 | $299,900 |
| Esprit Ph 1 | 1 | 0 | $299,900 | $299,900 |
| Palamar Oaks Village Rep | 1 | 0 | $299,900 | $299,900 |
| Lakeshore At Narcoossee Ph 2 | 1 | 0 | $295,000 | $295,000 |
| Harmony Nbhd I | 1 | 0 | $294,500 | $294,500 |
| Park Lane Villas | 1 | 0 | $291,000 | $291,000 |
| The Meadow At Crossprairie | 1 | 0 | $290,000 | $290,000 |
| Anthem Park Tr G Rep | 1 | 0 | $286,000 | $286,000 |
| Vera Cruz Unit 1 | 1 | 0 | $285,000 | $285,000 |
| Town Center Villas | 1 | 0 | $285,000 | $285,000 |
| Twin Lakes Ranchettes | 1 | 0 | $279,900 | $279,900 |
| Thompson Grove | 1 | 0 | $277,000 | $277,000 |
| Brodan Square Ph 2 | 1 | 0 | $275,000 | $275,000 |
| Turtle Creek | 1 | 0 | $274,900 | $274,900 |
| St Cloud Manor Village | 1 | 0 | $271,000 | $271,000 |
| Brodan Square | 1 | 0 | $270,000 | $270,000 |
| Anthem Park Tr M Rep | 1 | 0 | $270,000 | $270,000 |
| Northwest Lakeside Groves Ph 1 | 1 | 0 | $269,900 | $269,900 |
| Ashley Park At Harmony Condo | 1 | 0 | $269,000 | $269,000 |
| Saint Cloud | 1 | 0 | $265,000 | $265,000 |
| Northwest Lakeside Grvs Ph 2 | 1 | 0 | $262,500 | $262,500 |
| Pine Lake Villas | 1 | 0 | $260,000 | $260,000 |
| Villa Homes Village | 1 | 0 | $259,990 | $259,990 |
| Buena Lago Ph 1 & 2 | 1 | 0 | $259,600 | $259,600 |
| Kanuga Village Mobile Home Park Ph 1 | 1 | 0 | $259,000 | $259,000 |
| Jefferson Green At Anthem Park Condo Ph 1 | 1 | 0 | $257,000 | $257,000 |
| The Townhomes At Anthem Park | 1 | 0 | $255,000 | $255,000 |
| Barton Court | 1 | 0 | $255,000 | $255,000 |
| Natchez Trace | 1 | 0 | $250,000 | $250,000 |
| Hunters Ridge | 1 | 0 | $250,000 | $250,000 |
Also with homes under $300K for sale
- Jefferson Green At Anthem Park Condo Ph 16 (1)
- Jefferson Green At Anthem Park Condo Ph 24 (1)
- Jefferson Green Ph 26 (1)
- Fells Cove Estates (1)
- Jefferson Green At Anthem Park Condo Ph 15 (1)
- Pemberly Pines (1)
- Turtle Creek Ph 1A (1)
- Jefferson Green At Anthem Park Condo Ph 2 (1)
- Vera Cruz Unit 2 (1)
- Lizzie Ridge (1)
- King Oak Villas Ph 02 Add 02 (1)
- Teka Village Tr 2 Rep (1)
- King Oak Villas Ph 2 2Nd Add (1)
- St Cloud Manor Acres (1)
- Williams Add To St Cloud (1)
- Thompson Tracts (1)
- Aladdin Village (1)
- Hanover Lakes 60 (1)
- Bridgewalk/Springhead Lakes 40S (1)
- Pine Glen 40S (1)
- The Meadow At Crosspraire (1)
- Enclave/Lks/Harmony (1)
- The Medow At Crosspraire Townes (1)
- Yingling & Doops Add (1)
- Seminole Land & Investment Cos (1)
- Alligator Lake View (1)
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?
What do homes under $300K cost in St Cloud?
Which St Cloud community has the most homes under $300K for sale?
What is the monthly payment on a home under $300,000?
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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.