Lake Front
Homes for Sale in St. Cloud, FL
True comps, carrying-cost math, and listings before the portals.
Photo via Stellar MLS
As of October 2026, the MLS records 166 closed sales in Lake Front Add in St Cloud, FL since 2014, the most recent in May 2026. Recorded prices since 2024 ran from $235,000 to $392,000 (median $325,000), on homes of 1,008 to 2,244 sq ft. Across St Cloud as a whole, 2,213 homes closed in the last 12 months at a median of $414,990, 46 median days on market, with 588 homes for sale today. At that median and Osceola County's FY2025-26 rate of 15.23 mills, annual property tax runs about $4,950 ($4,350 with the full homestead exemption).
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Homes in the community | 2,909 (FL DOR 2025 assessment roll) |
| Years built | 1900–2024 (median 1969) |
| Typical living area | 1,477 sq ft (median) |
| For sale right now | 0 active, 0 pending |
| Owner-occupied (homestead) share | 63% |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2014 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Lake Front Add key facts,” movewithmomentum.com/neighborhoods/lake-front-add, data as of September 20, 2026.
What sets price here is condition and vintage, not a tidy formula. The median home dates to 1969, but the stock runs from the turn of the last century all the way to 2024, so two addresses on the same street can be worlds apart. A renovated older home and a tired one will not trade anywhere near each other, which is why the median tells you the middle and almost nothing about the spread.
With a homestead share around 63%, most of these homes are owner-occupied rather than churned as rentals, so inventory tends to come to market deliberately. For a buyer, that means fewer distress deals and more homes priced to condition. For a seller, it means your prep and finish level do the heavy lifting on price — the number is earned, not assumed.
Nearby homes for sale
No active listings inside Lake FrontHomes for Sale in St. Cloud, FL right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.
Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.
The 60-Second Overview
Lake Front Add is a large, established pocket of St Cloud in Osceola County with roughly 2,900 homes spanning more than a century of construction. It is a market defined by variety of age and condition rather than a single product type.
Stellar MLS sales records identify 251 homes in Lake Front that have changed hands since 2004, built between 1908 and 2022 (median 1972), with a median living area of about 1,361 sq ft and a typical 3-bedroom, 2-bath layout; 99% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.
County records show 221 qualified sales in Lake Front across 2024–2025 (138 in 2024, 83 in 2025), median $290,000 — the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.
Who Lake Front is best for.
Best for
- Buyers with a modest-to-mid budget who will price to condition rather than chase the median
- Owner-occupants planning to stay put and improve a home over time
- Value hunters willing to take on an older home and put work into it
Probably not for
- Buyers who want new-construction uniformity and identical floor plans
- Investors chasing quick flips in a slow-turning, owner-held market
- Anyone unwilling to budget for the systems and updates an older home may need
The market around Lake Front
Lake Front is too small for its own price trend, so here is the market around it.
In ZIP 34769, 181 homes are on the market and 22% are under contract — a steady corner of St Cloud.
Across Osceola County, 4,465 homes are active and 1,093 pending (20% under contract).
In ZIP 34769 (St Cloud), 630 homes closed in the last 12 months at a median of $412K ($196/sq ft), down 0.7% year over year, with a median 58 days on market. Right now 141 active and 49 pending listings put supply at about 3.9 months — a balanced market. See the live ZIP 34769 housing market and the Osceola County market.
ZIP and county figures describe the wider market, not Lake Front specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Lake Front Add, St Cloud
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period September 2026 through September 2026. Deemed reliable but not guaranteed.
The Lake Front buying strategy.
If we were buying in Lake Front today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Lake Front.
A wide-vintage market where condition rules
The year-built range from 1900 to 2024 is the headline here. You are not shopping one era; you are shopping everything from original older homes to recent construction, often within the same few blocks. The median living area of about 1,478 square feet points to a stock that skews modest in footprint, which keeps carrying costs manageable but puts a premium on how well the space is used.
Because the median year built lands in 1969, a meaningful slice of this inventory is old enough to need real evaluation — roof, systems, and finishes. That is not a warning so much as a filter. Buyers who read a home honestly can find value; buyers expecting turnkey everywhere will be disappointed. The high homestead share suggests a settled, held-long-term posture rather than a fast-flip environment.
The location and the amenities are priced into every listing in Lake Front. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a market this varied, the median price is a starting point, not an answer. We underwrite each home to its actual vintage, footprint, and condition rather than the neighborhood average — that is the difference between overpaying for a project and stealing a renovated home priced like an average one. We will tell you which listings are worth the walk-through and which ones aren't.
Lake Front in 15 seconds.
HOA, CDD & Fees
- HOA status not on record. Verify any dues before you offer
- Any club/amenity membership is billed separately
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Tools for a Lake Front buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Lake Front sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Lake Front, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Lake Front home worth?
Get a no-obligation home value based on real comparable sales in Lake Front, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See homes for sale in Lake Front on the map →
Frequently Asked Questions
How many homes are in Lake Front?
What share of Lake Front is owner-occupied?
When were the homes in Lake Front built?
Who is the best real estate agent for Lake Front?
How do I find a top St Cloud real estate agent who knows Lake Front?
Can Momentum Realty connect me with an agent for Lake Front?
Where is Lake Front, and what county is it in?
Should you buy in Lake Front?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (26 streets, ZIP 34769)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2014 (166 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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