Townhome Communities in St Cloud, FL
Looking for townhome communities in St Cloud, FL? Momentum tracks 15 St Cloud communities with evidence of townhome and villa living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
St Cloud townhome communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| CYRENE AT HARMONY · agent | St Cloud | $348,000 | – | 33 d |
| The Meadow at Crossprairie Townes · agent | St Cloud | $310,000 | – | 28 d |
| Bridge Pointe · agent | St Cloud | $336,000 | – | 4 d |
| CrossPrairie · agent | St Cloud | $326,000 | – | 6 d |
| Terra Haven · agent | St Cloud | $349,000 | – | 60 d |
| NORTHWEST LAKESIDE GROVES · agent | St Cloud | $304,000 | – | 134 d |
| OAKTREE POINTE VILLAS · agent | St Cloud | $302,000 | – | 35 d |
| PEMBERLY PINES · agent | St Cloud | $245,000 | – | 120 d |
| BATTAGLIA · agent | St Cloud | $330,000 | – | 30 d |
| Springhead Lakes · agent | St Cloud | $343,000 | – | 96 d |
| THE TOWNHOMES AT ANTHEM PARK · agent | St Cloud | $325,000 | – | 5 d |
| PORTOFINO VISTA · agent | St Cloud | $220,000 | – | 30 d |
| BRIXTON TWNHMS | St Cloud | $364,000 | – | 86 d |
| RALSTON RESERVE · agent | St Cloud | $385,000 | – | 179 d |
| MAGNOLIA GLEN | St Cloud | – | – | 22 d |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
What a townhome actually buys you in Florida
Townhomes and villas sit between condos and single-family homes: you typically own the structure and the lot beneath it, with the HOA maintaining exteriors, roofs, or grounds depending on the documents. That split is the whole game — read the declaration to learn exactly which parts of the building are yours to insure and repair. Ask specifically about roof responsibility and age: in Florida, who replaces the roof (you, the HOA, or shared) changes both your insurance quote and your reserves risk.
Fees and insurance are the comparison that matters
Compare townhome communities on the fee-to-coverage ratio: what the monthly fee actually maintains, the association’s master insurance versus what your HO-6 or HO-3 policy must cover, and the reserve balance behind shared roofs and exteriors. Our buyer closing costs calculator turns price plus dues into the real monthly number.
What it costs to own here
At Osceola County’s typical combined millage of 15.23 mills, a purchase at $328,000 (the median across these St Cloud townhome communities) generates roughly $4,996 a year in property tax before exemptions — about $416 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in Osceola County average about $1,735 a year ($145 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in Osceola County near $2,191 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses Osceola County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in Osceola County right now
In the most recent IRS migration data (2022-2023), Osceola County gained a net 5,703 people to relocation, with the largest inbound flows from NY, NJ, TX. Households moving IN reported average incomes of $59,276 versus $52,104 for those leaving — the income mix of demand, straight from tax filings. Population is up about 20.2% over the recent multi-year window. On the supply side, builders pulled 7,366 residential permits in Osceola County in 2025 (5,085 single-family), down 16.4% year over year — against 10,003 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as overvalued by about 7.3% versus its income-and-rent fundamentals.
Explore more of St Cloud
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Run the numbers in Osceola County
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- Osceola County housing scorecard
- What would selling net you
- Buyer closing costs calculator
Common questions
How many townhome communities does St Cloud, FL have?
What do homes in St Cloud townhome communities cost?
How does Momentum classify a community as one of the townhome communities?
How much is home insurance in Osceola County?
What are property taxes like in Osceola County?
Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.