Bella Tara Homes for Sale in St. Cloud, FL

Bella Tara is a 657-acre master-planned community on the north side of Lake Tohopekaliga in St. Cloud, planned for roughly 2,013 total dwellings across single-family, townhome, cluster-home, and a separate build-for-rent and multifamily component. This page is about the ownership, for-sale side, not the rentals.

The active for-sale builder is Toll Brothers at Bella Tara, its luxury single-family line. Plans run one- and two-story, roughly 1,839 to 3,800-plus square feet, 3 to 5 bedrooms, 2 to 4.5 baths, with 2- and 3-car garages and loft or flex options depending on the design.

The published designs include the single-story Alina and Raymond, the two-story Liam, Erwin, and Caylin, and the Georgina with a first-floor primary suite; expect open-concept great rooms, large kitchen islands, and expansive sliders to the outdoor space, personalized through the Toll Brothers Design Studio.

The master developer is Centerline Capital Advisors, working the Whaley Farms land, taking the project from land through grand opening. Because the plan is large and phased, confirm with the builder whether other for-sale builders are or will be selling here, since that changes your options and your comps.

This is early. Toll Brothers lists Bella Tara as a Coming Soon or future community with the sales pricing range still being set, so treat any number you see as provisional and confirm current pricing, released homesites, and delivery timing directly with the sales team.

The premium positions here will be the lakefront and lake-oriented homesites near the dock, and the larger two-story plans; as with any new master plan, the lot premium and the elevation you choose will drive both your price and your resale.

Verify the exact square footage, bedroom count, garage count, and included features against the specific homesite and contract, since builder brochures quote base plans and the delivered home depends on your structural and design selections.

The pitch here is lakefront master-planned living on Lake Toho, one of Central Florida's marquee bass-fishing and boating lakes, with a resort amenity campus rather than a small enclave.

The signature amenity is the lake itself: a planned community dock and, per the developer, a boat ramp for direct Lake Toho access, which is the real differentiator versus the inland St. Cloud master plans that have a pool but no lake.

The planned amenity list is broad: a clubhouse, resort-style pool, splash pad, fitness center, yoga room, pickleball courts, a dog park, a tot lot, a pavilion, and walking trails. Confirm which of these are actually open versus still to be built when you tour, because an early master plan often sells before the full amenity campus is delivered.

Location is the fast-growing Kissimmee Park Road corridor: Kissimmee is about 20 minutes away, and Florida's Turnpike to the east connects you to greater Orlando, Orlando International Airport, and the theme parks.

St. Cloud itself is one of the faster-growing pockets of metro Orlando, which is the reason a 657-acre master plan on Lake Toho pencils out; it also means construction, traffic, and new rooftops around you for years while the community and the corridor build out.

There is also a rental and multifamily side to Bella Tara. That is normal for a plan this size, but be clear-eyed that the master community mixes for-sale ownership product with build-for-rent, and ask the builder exactly where the ownership neighborhoods sit relative to the rental parcels.

For the right buyer, the trade is straightforward: a new luxury home with lake access and a full amenity campus, in exchange for buying early in a phased, CDD-funded master plan that is still under construction.

Confirm the CDD assessment in writing for your specific homesite. Bella Tara has a Community Development District, so expect a CDD line on the annual tax bill on top of any HOA, and the exact annual amount is not something to assume; get the number from the builder or the district before you budget, because it changes the true monthly carry materially.

Confirm the HOA dues and what they cover, separately from the CDD. Ask specifically whether the clubhouse, pool, dock, and the rest of the amenity campus are covered, whether there are any sub-association dues, and get the combined annual CDD-plus-HOA number so you are comparing apples to apples against a no-CDD resale.

Confirm the pricing, the released homesites, and the delivery timeline directly with Toll Brothers, since this community is early and marketed as Coming Soon; a pricing range you find online may be a placeholder, and lot availability and completion dates move on new master plans.

Confirm the school zoning by the exact address with Osceola County Public Schools, and confirm where the ownership neighborhoods sit relative to the build-for-rent parcels, so you know both your zoned schools and your immediate surroundings before you commit.

Bella Tara competes for the move-up and luxury buyer who wants a new home in a St. Cloud master plan, with the added hook of direct Lake Toho access. Against Center Lake Ranch, the large M/I Homes and Taylor Morrison master plan on the Narcoossee and Lake Nona side of St. Cloud, Bella Tara offers the Lake Toho lakefront and dock and a single luxury builder in Toll Brothers, while Center Lake Ranch offers a wider builder and price mix and a Lake Nona-adjacent location; both carry CDDs, so compare the combined CDD-plus-HOA carry, not just the sticker. Against Weslyn Park at Sunbridge, the Deseret Ranch master plan with multiple builders including Toll Brothers, Bella Tara trades Sunbridge's scale and Lake Nona proximity for a more compact plan directly on Lake Toho. Against Twin Lakes, the nearby Jones Homes 55-plus lakefront community on Live Oak Lake, Bella Tara is all-ages rather than age-restricted, which is the fork in the road for many St. Cloud lakefront buyers. The honest summary: Bella Tara wins on the Lake Toho lakefront, the dock and boat ramp, and the Toll Brothers luxury product, and gives ground on being early and phased with a CDD, a smaller footprint than Center Lake Ranch or Sunbridge, and a for-sale plan that shares the master community with build-for-rent parcels.

Bella Tara fits the move-up or luxury buyer who wants a new Toll Brothers home with direct Lake Toho access and a resort amenity campus, the buyer who values the dock, boat ramp, and bass-fishing and boating lifestyle, and the buyer who is comfortable buying early in a phased master plan and budgeting for a CDD plus HOA. It does not fit the buyer who wants a finished, fully amenitized community from day one, the buyer who wants to avoid CDD assessments, or the buyer who wants a small, low-fee resale enclave rather than a large, still-building master plan that includes rental product. Anyone considering Bella Tara should confirm the CDD assessment and HOA dues in writing, confirm current Toll Brothers pricing, released lots, and timing, verify the zoned schools by address, and understand exactly where the ownership neighborhoods sit relative to the build-for-rent parcels before signing.