St Cloud City
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 St Cloud City Of in St Cloud, FL since 2005, the most recent in April 2026. Recorded prices across those 166 sales ran from $13,000 to $327,000 (median $88,500), on homes of 462 to 2,971 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 $1,350 ($750 with the full homestead exemption).
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Homes in the community | 3,387 (FL DOR 2025 assessment roll) |
| Years built | 1900–2024 (median 1971) |
| Typical living area | 1,462 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 2005 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “St Cloud City Of key facts,” movewithmomentum.com/neighborhoods/st-cloud-city-of, data as of September 20, 2026.
St Cloud sits at the southern edge of the Osceola County market, far enough from the Orlando core that land still shapes value here more than it does closer in. That means condition and lot matter as much as square footage, and the spread between a tired resale and a turnkey home can be wide. Price your home on what it actually offers, not on what a neighbor down the street closed at.
For buyers, this is a market where doing the work pays off. Because value is condition-driven and the inventory mix is varied, two homes at a similar median can present very differently. Come in with a clear read on what you're willing to renovate versus what you need move-in ready, and you'll negotiate from a stronger position.
Nearby homes for sale
No active listings inside St Cloud CityHomes 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
St Cloud offers Osceola County a lower-density alternative to the busier corridors nearer Orlando, with a mix of older in-town homes and newer outlying construction that keeps the housing stock varied.
Stellar MLS sales records identify 192 homes in St Cloud City that have changed hands since 2004, built between 1909 and 2007 (median 1963), with a median living area of about 1,185 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 264 qualified sales in St Cloud City across 2024–2025 (158 in 2024, 106 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 St Cloud City is best for.
Best for
- Buyers prioritizing lot size and lower density over proximity to Orlando
- Renovation-minded buyers looking to price a dated home to its condition
- Buyers wanting move-in-ready without paying core-Orlando prices
Probably not for
- Buyers who need the shortest possible commute to Orlando employment centers
- Buyers wanting a single, uniform new-construction subdivision feel
- Buyers who want a fast comp-driven purchase without evaluating condition
The market around St Cloud City
St Cloud City 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 St Cloud City specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in St Cloud City 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 September 2026 through September 2026. Deemed reliable but not guaranteed.
The St Cloud City buying strategy.
If we were buying in St Cloud City 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 St Cloud City.
A condition-driven market on Osceola's south side
The story in St Cloud is variety. You'll find established homes closer to the historic center and newer product spreading outward, and that range is exactly why a single median tells you less here than it might elsewhere. What a home is worth depends heavily on updates, lot size, and how far out it sits.
That variety is a buyer's opportunity if you know how to read it. A well-maintained home commands its price; a dated one is a project you can price accordingly. Sellers should be honest about which category they're in before setting an ask, because this market rewards accurate positioning over optimism.
The location and the amenities are priced into every listing in St Cloud City. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
St Cloud is a market where local read beats generic comps. We know the difference between the in-town streets and the newer outlying pockets, how condition swings value, and how to price a home so it doesn't sit or leave money on the table. Whether you're buying a project or selling a turnkey, we'll tell you what your specific property is actually worth in this market.
St Cloud City 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 City 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 City 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 City, 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 City home worth?
Get a no-obligation home value based on real comparable sales in St Cloud City, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Frequently Asked Questions
How many homes are in St Cloud City?
What share of St Cloud City is owner-occupied?
When were the homes in St Cloud City built?
Who is the best real estate agent for St Cloud City?
How do I find a top St Cloud real estate agent who knows St Cloud City?
Can Momentum Realty connect me with an agent for St Cloud City?
Where is St Cloud City, and what county is it in?
Should you buy in St Cloud City?
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 (35 streets, ZIP 34769)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (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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