New Construction Homes in St. Cloud, FL
St. Cloud is in Osceola County, Florida (ZIP codes 34771, 34772, 34769, 34773). Not St. Cloud, Minnesota. · Homes for sale in St. Cloud · Osceola County
222 new-construction homes are listed for sale in St. Cloud right now, across 42 communities and 10 builders. Most list between $341K to $646K; the median new build is $449,990 ($209/sq ft, typically 2,113 sq ft, 4 bedrooms). Everything on this page is from Momentum’s MLS record as of 2026-11-05 and refreshes as homes list and sell.
Newest new-construction listings in St. Cloud
The most recently listed new homes in St. Cloud, with photos. Each card opens the full listing with every photo, the community’s data, and a tour request.
New-home communities in St. Cloud
Every St. Cloud community with new construction actively listed, the builder where the listing identifies one, how many homes are available, and the lowest current list price. Community names link to that community’s guide with its sales history and live inventory.
| Community | Builder | New homes | From |
|---|---|---|---|
| Buena Lago | D.R. Horton | 18 | $370,000 |
| Waterlin 45's | Lennar | 18 | $372,140 |
| Lakeside at Satilla | DRB Homes, David Weekley Homes, Mattamy Homes | 18 | $401,990 |
| Center Lake on the Park | — | 13 | $324,990 |
| Brack Ranch | — | 13 | $339,990 |
| The Crossings Ph 2 | — | 11 | $372,900 |
| Palmeras At Crossprairie | David Weekley Homes | 9 | $314,575 |
| The Waters at Center Lake Ranch | Taylor Morrison | 8 | $473,864 |
| The Reserve At Twin Lakes | Meritage Homes | 7 | $379,990 |
| The Meadow at Crossprairie | Meritage Homes | 7 | $399,990 |
| The Landing's at Live Oak | Pulte Homes | 6 | $374,890 |
| Preston Cove Ph 1 & 2 | D.R. Horton | 6 | $319,990 |
| Pine Grove Reserve | — | 5 | $365,490 |
| Bay Lake Farms At St Cloud St Cloud | — | 5 | $482,990 |
| Del Webb Sunbridge | Del Webb, Pulte Homes | 5 | $367,326 |
| Arcadia at Crossprairie | — | 5 | $419,990 |
| Estates at Hickory Cove | — | 5 | $365,775 |
| Cyrene At Harmony | DRB Homes | 5 | $319,990 |
| Bridge Pointe | — | 4 | $339,360 |
| Ralston Reserve | — | 4 | $379,900 |
| Esplanade at Center Lake Ranch | Taylor Morrison | 4 | $500,000 |
| Del Webb Twin Lakes | Pulte Homes | 4 | $324,910 |
| Horizons At Sunbridge | — | 4 | $509,010 |
| Springhead Lakes | Lennar | 3 | $343,990 |
| Palmeras At Crosspraire | David Weekley Homes | 3 | $324,085 |
Builders building in St. Cloud right now
Counted by homes currently listed in Momentum’s MLS record, so this reflects who has inventory today rather than who has ever built here.
- Lennar — 24 new homes in CrossPrairie, Crossprairie 32S St Cloud, Crossprairie 50s, Springhead Lakes and more
- D.R. Horton — 24 new homes in Buena Lago, Preston Cove Ph 1 & 2
- David Weekley Homes — 20 new homes in Lakeside at Satilla, Palmeras At Crosspraire, Palmeras At Crossprairie
- Meritage Homes — 15 new homes in The Meadow at Crossprairie, The Meadow at Crossprairie Townes, The Reserve At Twin Lakes
- Pulte Homes — 15 new homes in Bridgewalk, Del Webb Sunbridge, Del Webb Twin Lakes, The Landing's at Live Oak
- Taylor Morrison — 12 new homes in Esplanade at Center Lake Ranch, The Waters at Center Lake Ranch
- DRB Homes — 10 new homes in Cyrene At Harmony, Lakeside at Satilla
- Mattamy Homes — 5 new homes in Lakeside at Satilla
- Ashton Woods — 2 new homes in Tyson Reserve
- Del Webb — 2 new homes in Del Webb Sunbridge
New construction in St. Cloud by price
- $300K – $400K: 71 homes
- $400K – $500K: 86 homes
- $500K – $750K: 58 homes
- $750K – $1M: 7 homes
What a new build in St. Cloud costs to own
Take the median $449,990 new home with 20% down at today’s 7.24% 30-year rate: principal and interest run about $2,453/month. Osceola County’s typical millage of 15.23 puts property tax near $6,093/year after the $50,000 homestead exemption — and on a new build there is no seller’s capped bill to be misled by; the first-year bill is on the land alone and the full bill arrives the year after. Citizens’ average premium in Osceola County is about $1,735/year; a new roof and current code usually earn a better private quote than that average. Where an HOA is listed the median is $94/month. All in, plan on roughly $3,199/month, plus any CDD assessment — most master-planned communities finance their infrastructure with a district bond that appears on the tax bill for years, and it is the number builders’ sales offices mention last.
How to buy new construction the smart way
The agent in the model home works for the builder. Bringing your own Momentum agent costs you nothing — the builder pays the commission either way — and gets you representation on the contract (builder contracts are one-sided by design), the upgrade pricing, the lender comparison (the builder’s preferred lender incentive is real but not always the best deal), an independent inspection at pre-drywall and at completion, and the walkthrough. Register your agent on your first visit; most builders will not honor representation after that.
Builders rarely cut list price on a to-be-built home, but completed inventory homes at the end of a quarter are a different negotiation: closing-cost credits, rate buydowns, and included upgrades are common, and the cards above show which homes have been sitting.
Explore St. Cloud
- Moving to St. Cloud: the data guide
- Best neighborhoods in St. Cloud
- Cost of living in St. Cloud
- All new-construction builders in Florida
- Search every St. Cloud community
Common questions
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Who is building new homes in St. Cloud?
What does a new construction home cost in St. Cloud?
What is the monthly cost of a $449,990 new build in St. Cloud?
Should I use my own agent to buy new construction?
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<a href="https://movewithmomentum.com/new-construction-homes-st-cloud">New Homes in St. Cloud, FL: 222 New Construction Homes from $341K — Momentum Realty</a>Counts, prices and photos are from Momentum Realty’s MLS record of active listings in St. Cloud communities as of 2026-11-05; a home is counted as new construction when the listing shows it as built this year or later or when a production builder is the listing office. Builder names come from listing data. Estimates are not guarantees. Equal Housing Opportunity.