Lake Front in St Cloud

Lake Front
Homes for Sale in St. Cloud, FL

Community in St Cloud · Osceola County · ZIP 34769
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True comps, carrying-cost math, and listings before the portals.

Built fromLive Stellar MLS data19 years of closingsUpdated twice daily

As of September 2026, the MLS records 9 closed sales in lake front addn in St Cloud, FL since 2007, the most recent in June 2026. 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 $6,320 ($5,720 with the full homestead exemption).

Live · Lake Front Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
Jon Brooks, founder of Momentum Realty
Jon's Current Read

Lake Front Addn is about as small as a St Cloud community gets: five homes total, and as of this snapshot none of them are on the market. That is not a soft market signal, it is a supply signal. With a footprint this size, pricing here is set one closing at a time, not by a running comp set, and a buyer's real competition is patience, not other offers.

The 100% homestead share tells you these are held as primary residences, not turned over as rentals or flips, which usually means longer hold periods and less predictable timing when a home does come up. For a seller, that scarcity can work in your favor. For a buyer, it means the plan has to include waiting, not just watching.

Nearby homes for sale

No active listings inside lake front addn 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.

1801 LAKESHORE BOULEVARD
$399K · 0.1 mi away
2 bd · 1 ba · 1,128 sqft
1801 LAKESHORE BOULEVARD
Listed by CORCORAN CONNECT LLC
237 CALIFORNIA AVENUE
$330K · 0.3 mi away
3 bd · 1 ba · 1,210 sqft
237 CALIFORNIA AVENUE
Listed by KC AND CO REAL ESTATE AND PROP
609 JERSEY AVENUE
$230K · 0.3 mi away
2 bd · 2 ba · 1,431 sqft
609 JERSEY AVENUE
Listed by EXP REALTY, LLC
224 CALIFORNIA AVENUE
$325K · 0.3 mi away
4 bd · 1.5 ba · 1,180 sqft
224 CALIFORNIA AVENUE
Listed by PROPERTY SOLUTIONS UNLIMITED INC.
438 CALIFORNIA AVENUE
$305K · 0.4 mi away
4 bd · 2 ba · 1,354 sqft
438 CALIFORNIA AVENUE
Listed by NONA LEGACY POWERED BY LA ROSA
706 JERSEY AVENUE
$270K · 0.4 mi away
2 bd · 1 ba · 912 sqft
706 JERSEY AVENUE
Listed by EXP REALTY, LLC

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

A five-home enclave in St Cloud with no active listings at the time of this snapshot, built out between 1939 and 1978 and held almost entirely as owner-occupied homesteads.

Stellar MLS sales records identify 252 homes in lake front that have changed hands since 2004, built between 1908 and 2022 (median 1972), with a median living area of about 1,367 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 98 qualified sales in lake front across 2024 - 2025 (60 in 2024, 38 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.

Best for

  • Buyers targeting this specific St Cloud pocket who can wait out a thin, five-home inventory cycle
  • Buyers comfortable taking on an older home (built 1939-1978) and evaluating its condition individually
  • Long-term hold buyers who value stability over frequent turnover

Probably not for

  • Buyers who need active inventory to choose from right now
  • Buyers expecting a documented amenity package as part of the purchase
  • Buyers on a tight closing timeline who cannot wait for a listing to appear

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, 189 homes are on the market and 21% are under contract — a steady corner of St Cloud.

Across Osceola County, 4,423 homes are active and 1,079 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.

If we were buying in Lake Front today, this is the order of operations we would run for our clients.

1

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.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

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.

Best Buy
Buyers set on a specific older, larger-footprint home in this pocket of St Cloud and willing to wait for one to surface.
Biggest Risk
Zero active listings means there is currently nothing to buy and no fresh comps to lean on when one appears.
Sweet Spot
A buyer who wants an established mid-century home with real square footage and is comfortable evaluating it on its own merits.
Avoid If
You need to move on a timeline or want a range of homes to compare before deciding.

A five-home community, not a market

With a median year built of 1952 and a range stretching back to 1939, the homes here predate most of the surrounding St Cloud growth. A median living area of 1,931 square feet points to a solid, mid-century footprint rather than a starter-size floor plan, and any updates to systems or finishes will have happened room by room over decades rather than as part of a builder-era rollout.

MLS records show no community amenities identified for Lake Front Addn, which is common for small, older platted sections named for proximity to water rather than for an organized amenity package. Anything lake-related here is a location fact, not a documented amenity, and should be confirmed parcel by parcel rather than assumed.

“

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.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

A five-home community will not show up in a standard saved search with anything meaningful to compare, which is exactly the kind of inventory gap where being plugged into the area pays off. We track St Cloud's smaller, older platted sections closely enough to know when one of these five changes hands, and we can help you evaluate a listing here against its actual peer group instead of a generic neighborhood average.

Lake Front in 15 seconds.

Best forBuyers set on a specific older, larger-footprint home in this pocket of St Cloud and willing to wait for one to surface.
Biggest advantageScarcity and a 100% homestead share suggest a stable, low-turnover pocket rather than a churn-heavy market.
Biggest riskZero active listings means there is currently nothing to buy and no fresh comps to lean on when one appears.
Sweet spotA buyer who wants an established mid-century home with real square footage and is comfortable evaluating it on its own merits.
Avoid ifYou need to move on a timeline or want a range of homes to compare before deciding.

HOA, CDD & Fees

A note on who we are: Momentum Realty is a real estate brokerage. We are not the Lake Front homeowners association, its management company or its developer, and we cannot help with dues, gate access, violations, amenity bookings or association documents. To reach the association, check your closing package, the recorded declaration at the county clerk, or search the association’s name at sunbiz.org for its registered agent. Call or message us to buy or sell a home in Lake Front.
In short
  • 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.

The takeaway

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.

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 →

Real comps, not an automated estimate.
Buyers targeting this specific St Cloud pocket who can wait out a thin, five-home inventory cycleExcellent fit
Buyers comfortable taking on an older home (built 1939-1978) and evaluating its condition individuallyExcellent fit
Long-term hold buyers who value stability over frequent turnoverExcellent fit
Buyers who need active inventory to choose from right nowProbably not
Buyers expecting a documented amenity package as part of the purchaseProbably not
Buyers on a tight closing timeline who cannot wait for a listing to appearProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: September 19, 2026)
Under-contract sharesStellar MLS records, as of 2026-09-08
Historical depthClosed-sale records back to 2007 (9 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.

Looking to buy here? Search homes for sale →

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Common questions about Lake Front

Where is Lake Front?

Lake Front is a community in St Cloud, Osceola County, Florida, ZIP 34769.

Are there homes for sale in Lake Front right now?

No active listings inside Lake Front at the last feed refresh. The nearest homes for sale, with distances from the community, are shown on this page and refreshed nightly.

Does Lake Front have an HOA or CDD?

No HOA is on record for Lake Front in our data. Verify dues, what they cover, and any special assessment for a specific address before you offer.

Answers are generated from county property records, MLS feeds and the figures on this page, as of the page date; deemed reliable but not guaranteed.

More St. Cloud & Kissimmee, St. Cloud & Osceola County guides

Compare before you commit - every guide covers pricing, HOA/CDD, insurance posture, and fit. Browse all of Kissimmee, St. Cloud & Osceola County or the full Neighborhood Finder.

Nearby Communities

Explore more neighborhoods near Lake Front with Momentum Realty’s local guides.

SCSt Cloud Blvd0.1 mi away · 838 homes, built 1908–24COCity Of0.3 mi awayLFLake Front0.3 mi away · 2,909 homes, built 1900–24SCSt Cloud 2Nd Town0.4 mi away · median $300K, 88 sales/12 moSCSt Cloud0.5 mi away · median $325K, 7 sales/12 moSLS L I C Town Of0.6 mi away · median $295K, 5 sales/12 moSASunny Acres0.6 mi away · 206 homes, built 1910–18, 2 for sale

Browse all neighborhood guides →

Talk to a Local Lake Front Expert
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The real cost & risk here

Before the list price, the Florida math the portals skip. These are Osceola County typicals — your exact home, flood zone, and insurance quote will vary, so verify each before you offer.

$2,241/mo
Osceola County typical true cost to own
$145/mo
Osceola County typical home insurance
Check CDD
Confirm before you offer

County typicals from Momentum’s Florida housing data (Zillow & Realtor.com aggregates, Census, FRED), updated monthly; insurance modeled. Flood zone is property-specific — always confirm via FEMA.

LAKE FRONT ADDN Market Scorecard

No active listings

LAKE FRONT ADDN is currently a no active listings market. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
$430,000
Median sold
n/a
Per sqft
n/a
Days on mkt
0/0/1
Active/Pend/Sold

Typical home value in the 34769 ZIP is $318,664, about 8.6% above the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.