St Cloud
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, St Cloud 2Nd Plat Town Of in St Cloud, FL has 4 homes for sale, asking from $229,900 to $479,900 (median $328,950). Over the 12 months ending 2026-09-20, 7 recorded sales closed at a median of $325,000, $236 per square foot, a median 33 days on market, sellers accepting 95% of original asking. Homes listed or recently sold were built 1920–1996; 4 listings state no HOA; none of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 67 ft). At the median price 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).
Last 30 days in St Cloud: 3 new listings (median asking $278,000). As of October 16, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in St Cloud
Live MLS inventory for St Cloud. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active · 473 daysTop listing
Active · 1 days
Active · 6 days
Active · 6 daysActive and pending St Cloud listings as of 2026-10-14, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2026. Tap any home to ask about it.
This is an old-plat pocket of St Cloud where the housing stock spans more than a century, with a median build year of 1968 and homes dating as far back as 1900 alongside new construction through 2024. That range is the whole story: price here is driven far less by location premium than by condition and vintage. A renovated bungalow and a tired original on the same block are not the same product, and the median of $325,000 sits in the middle of a genuinely wide spread. At roughly $262 per square foot against a median living area near 1,450 square feet, you are paying for smaller, older footprints — pricing the work a house needs is the entire negotiation.
Market posture is cool and patient. A heat score of 31 and a median 33 days on market — just over a month — tells you nothing is flying off the shelf, and year-over-year pricing is flat at 0.0%. For buyers, that means time to inspect, negotiate, and walk if the numbers don't work. For sellers, it means condition and honest pricing carry the sale; there is no rising tide to lean on, and overreaching sits.
St Cloud right now
🔴 Seller-leaning market. 1.7 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of September 20, 2026. Confidence: Medium (1 active and pending listings, 7 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 16, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
St Cloud market snapshot (as of September 20, 2026): the median sale price is about $325K ($236 per sq ft over the trailing 12 months of closed sales), a median 33 days on market for closed sales, and 1.7 months of supply, a seller-leaning market.
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.
Stellar MLS sales records identify 1,151 homes in St Cloud that have changed hands since 2004, built between 1900 and 2023 (median 1960), with a median living area of about 1,218 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.
Flood zones in St. Cloud: of 8 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in St Cloud.
This is one of St Cloud's original platted areas in Osceola County, a place defined by its age range rather than a single product type. With about 2,023 homes and a homestead share near 63%, it reads as a settled, owner-occupied core rather than a churn-heavy rental zone.
The setting & the homes.
Aerial and on-site photos of St Cloud. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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St CloudPhotos from Stellar MLS listings in St Cloud; content deemed reliable but not guaranteed.
Who St Cloud is best for.
Best for
- Buyers with a renovation budget who want to add value through updates on an older home
- Owner-occupants seeking a settled, established core and planning to stay a while
- Value-focused buyers willing to trade square footage for an in-town St Cloud location
Probably not for
- Buyers who need a large, modern floor plan and turnkey condition
- Investors chasing rapid appreciation in a market that is currently flat year-over-year
- Anyone unwilling to pay for thorough inspections on century-spanning housing stock
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending September 20 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($325K) IS the median in the snapshot above.
Windows contain 0 to 7 sales each (7 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2026. Deemed reliable but not guaranteed.
20% of homes for sale in ZIP 34769 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-17).
St Cloud 2Nd Plat Town Of Market Scorecard
St Cloud 2Nd Plat Town Of is currently a buyer's market. About 6.9 months of supply, a median asking price of $328,950, and homes go under contract in about 6 days.
Typical home value in the 34769 ZIP is $312,752, about 7.5% above the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
St Cloud on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Schools
- Osceola County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Michigan Avenue Elem (K 5) · Elementary
- St. Cloud Middle (6-8) · Middle
- St. Cloud High School · High
Zoned schools reflect the assignments reported on recent St Cloud listings and can change; always confirm with Osceola County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any St Cloud address.
Shop the zone: Homes zoned for St. Cloud High School
The St Cloud buying strategy.
If we were buying in St Cloud 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.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
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 St Cloud.
Where condition sets the price
The defining feature is vintage variety. When a plat carries homes from 1900 through 2024 with a median build year of 1968, the median price of $325,000 is an average of very different things — updated systems versus deferred maintenance, original layouts versus reworked ones. Two houses at the same asking price can be a decade apart in the work required. Budget for inspections and read every listing through the lens of what has and has not been touched.
Footprints run modest — a median near 1,449 square feet — so the per-square-foot figure of roughly $262 reflects smaller, older homes rather than sprawling new builds. The flat year-over-year number and the low heat score reinforce that this is a market to buy carefully and sell honestly, not one to speculate on.
The location and the amenities are priced into every listing in St Cloud. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a plat this old, the money is made or lost on condition, and that takes local eyes. We help buyers separate a cosmetic refresh from a systems overhaul, price the difference into an offer, and use the roughly month-long market timeline to negotiate rather than rush. For sellers, we set price to condition honestly, because a flat market rewards realism and punishes wishful asking prices.
St Cloud 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 St Cloud 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 St Cloud sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in St Cloud, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your St Cloud home worth?
Get a no-obligation home value based on real comparable sales in St Cloud, 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 St Cloud on the map →
Recently off market in St Cloud 2Nd Plat Town Of
Homes in St Cloud 2Nd Plat Town Of that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 3 on record.
- 1322 New York Avenue · off market
- 437 Carolina Avenue · off market
- 6 17 Th St · off market
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Park, Playground |
| Sale prices, last 12 months | $325,000 median across 7 closed sales · $236 per sq ft |
| Days on market (closed sales) | 33 median |
| For sale right now | 1 active, 0 pending · median asking $479,900 · 1.7 months of supply |
Data as of September 20, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2016 through 2026. Market figures describe homes, not residents. Cite as: Momentum Realty, “St Cloud key facts,” movewithmomentum.com/neighborhoods/st-cloud-2nd-plat-town-of, data as of September 20, 2026.
Housing distress & ownership in St Cloud 2Nd Plat Town Of, 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 October 2026 through October 2026. Deemed reliable but not guaranteed.
Just listed in St Cloud
The newest homes for sale in St Cloud right now, newest first. Each link opens the full listing with every photo, the price history and a tour request.
- 405 Columbia Avenue $379,900 · 3 bd · 2 ba · 1,662 sq ft · 4 days on market Courtesy of WEICHERT REALTORS HALLMARK PRO
- 315 Pennsylvania Avenue $229,900 · 2 bd · 1 ba · 880 sq ft · 6 days on market Courtesy of ROYAL REALTY REAL ESTATE, LLC
- 519 Massachusetts Avenue $278,000 · 2 bd · 2 ba · 1,033 sq ft · 6 days on market Courtesy of ROYAL REALTY REAL ESTATE, LLC
- 436 Michigan Avenue $479,900 · 3 bd · 2.5 ba · 2,118 sq ft · 473 days on market Courtesy of LATIN CONNECTION REALTY GROUP
Checked against the MLS Oct 16, 2026. All new listings in this market.
Every Home for Sale in St Cloud 2Nd Plat Town Of Right Now (4)
All 4 active and pending St Cloud 2Nd Plat Town Of listings with a detail page, newest first, refreshed twice a day from the MLS.
- 405 Columbia Avenue · $379,900 · 3 bd / 2 ba · listed Oct 9, 2026 · listed by Weichert Realtors Hallmark Pro
- 315 Pennsylvania Avenue · $229,900 · 2 bd / 1 ba · listed Sep 24, 2026 · listed by Royal Realty Real Estate, Llc
- 519 Massachusetts Avenue · $278,000 · 2 bd / 2 ba · listed Sep 24, 2026 · listed by Royal Realty Real Estate, Llc
- 436 Michigan Avenue · $479,900 · 3 bd / 2.5 ba · listed Jul 14, 2026 · listed by Latin Connection Realty Group
Recently sold in St Cloud 2Nd Plat Town Of
- 6 17 Th St · sold $325,000
- 437 Carolina Avenue · sold $320,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Kentucky Avenue (48 homes on record)
- Massachusetts Avenue (41 homes on record)
- Maryland Avenue (40 homes on record)
- Missouri Avenue (38 homes on record)
- Jersey Avenue (38 homes on record)
- Florida Avenue (38 homes on record)
- Carolina Avenue (37 homes on record)
- Minnesota Avenue (36 homes on record)
- Ohio Avenue (36 homes on record)
- Wyoming Avenue (35 homes on record)
- Connecticut Avenue (35 homes on record)
- Oregon Avenue (35 homes on record)
Email me new listings in St Cloud
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about St Cloud
Have a question about the homes, fees, rules or commute here? A Momentum agent who works St Cloud will answer, and the answer is published on this page for the next buyer.
Frequently Asked Questions
What is the median home price in St Cloud?
How long do homes in St Cloud take to sell?
Is St Cloud a buyer's or seller's market right now?
Who is the best real estate agent for St Cloud?
How do I find a top St Cloud real estate agent who knows St Cloud?
Can Momentum Realty connect me with an agent for St Cloud?
Where is St Cloud, and what county is it in?
Is St Cloud a good place to live?
Should you buy in St Cloud?
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 14, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending September 20, 2026 |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2016 (31 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 →
What’s your home worth in your area?
A real valuation with real comps from a local listing agent, not an instant algorithm. Response within one business day.
See how St Cloud 2Nd Plat Town Of fits the bigger picture — live prices, inventory, and Momentum Scores:
More on St Cloud
- Home values · What homes in St Cloud actually sell for
Nearby Communities
Explore more neighborhoods near St Cloud with Momentum Realty’s local guides.