Town Of 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, the MLS records 31 closed sales in Town Of St Cloud in St Cloud, FL since 2005, the most recent in October 2025. Recorded prices across those 31 sales ran from $94,500 to $350,000 (median $175,500), on homes of 588 to 1,785 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 $2,670 ($2,070 with the full homestead exemption).
| Location | St Cloud, Osceola County, FL · ZIP 34769 |
|---|---|
| Homes in the community | 2,347 (FL DOR 2025 assessment roll) |
| Years built | 1900–2024 (median 1970) |
| Typical living area | 1,475 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 2025; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Town Of St Cloud key facts,” movewithmomentum.com/neighborhoods/town-of-st-cloud, data as of September 20, 2026.
The Town of St Cloud sits in Osceola County, and what sets pricing here is less a single number than the spread underneath it. This is an older core with a wide range of housing stock, so condition, lot, and how much updating a home has seen tend to drive value more than any headline figure. Two homes on the same street can be worlds apart on price for reasons a buyer can actually see.
For buyers, that means the work is in the walk-through, not the listing photos. For sellers, it means presentation and honest condition disclosure move the needle here more than in a subdivision of near-identical builds. Price to your home's actual state, not to the block.
Nearby homes for sale
No active listings inside Town Of St CloudHomes 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's town core in Osceola County trades on variety rather than uniformity, so the right comp is a home in similar condition, not just similar square footage.
Stellar MLS sales records identify 90 homes in Town Of St Cloud that have changed hands since 2004, built between 1900 and 2004 (median 1958), with a median living area of about 1,151 sq ft and a typical 2-bedroom, 2-bath layout; 100% 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 179 qualified sales in Town Of St Cloud across 2024–2025 (99 in 2024, 80 in 2025), median $287,000 — 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 Town Of St Cloud is best for.
Best for
- Buyers comfortable with cosmetic or systems work in exchange for a different entry point
- Buyers who value an established town core over a new subdivision
- Sellers willing to invest in visible improvements to stand out
Probably not for
- Buyers who want turnkey uniformity and predictable pricing
- Buyers unwilling to budget for inspection surprises in older stock
- Sellers expecting a neighborhood average to carry a below-condition home
The market around Town Of St Cloud
Town Of St Cloud 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 Town Of St Cloud specifically. Momentum Research analysis of MLS records.
Housing distress & ownership in Town Of St Cloud, 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 Town Of St Cloud buying strategy.
If we were buying in Town Of 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.
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 Town Of St Cloud.
A core defined by condition, not conformity
Because the housing stock here is mixed rather than master-planned, the usual shortcuts don't apply. There is no single template home, which makes averages less useful and individual inspection more important. Expect to compare properties on the specifics: updates completed, systems replaced, lot position, and how the home has been maintained.
That same variety is the opportunity. In a market where value tracks condition, a buyer willing to take on cosmetic or systems work can find a different entry point than one buying a turnkey property. Sellers who invest in visible, verifiable improvements can distinguish their listing in a way that a cookie-cutter community rarely allows.
The location and the amenities are priced into every listing in Town Of St Cloud. The deal is won or lost on condition, the comps, and the renovation math.
Why work with Momentum here
In a core this varied, the value is in reading each property on its own terms — and we underwrite comps that way, matching on condition and lot rather than leaning on a neighborhood average. We will tell you when a home is priced to its potential rather than its present state, and when it isn't.
Town Of 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 Town Of 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 Town Of 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 Town Of 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 Town Of St Cloud home worth?
Get a no-obligation home value based on real comparable sales in Town Of 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.
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Frequently Asked Questions
How many homes are in Town Of St Cloud?
What share of Town Of St Cloud is owner-occupied?
When were the homes in Town Of St Cloud built?
Who is the best real estate agent for Town Of St Cloud?
How do I find a top St Cloud real estate agent who knows Town Of St Cloud?
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Where is Town Of St Cloud, and what county is it in?
Should you buy in Town Of 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 1, 2026) |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (21 streets, ZIP 34769)) |
| Under-contract shares | Stellar MLS records, as of 2026-09-20 |
| Historical depth | Closed-sale records back to 2005 (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?
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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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