Waterfront Homes for Sale in St Cloud, FL
This page tracks every St Cloud listing whose MLS record reports waterfront (ocean, bay, Intracoastal, river, canal or lake frontage), by community, with live counts and asking prices, and the costs that come with the water.
89 waterfront homes are for sale or pending in St Cloud, FL today across 66 communities. The median asking price is $534,900, from $200,000 to $3,785,500. Listings in St Cloud without that feature have a median of $418,940. Most listings right now: S L & I C (5), Hanover Lakes Ph 5 (4), Bay Lake Estates (4). Updated September 27, 2026 from the MLS.
Live waterfront homes in St. Cloud: the listings
59 active listings carry the flag today (7% of St. Cloud inventory), median asking $564,900, $232/sq ft, median 61 days on market. Photo cards link to the listing; refreshed nightly.
Newest waterfront homes in St. Cloud
The most expensive waterfront homes in St. Cloud
| Listing | Asking | Sq ft | Community |
|---|---|---|---|
| 4510 Packard Avenue | $2,550,000 | 9,304 | S L & I C |
| 4241 Kissimmee Park Road | $2,000,000 | 8,407 | Osceola Groves |
| 5575 Alligator Lake Road | $1,850,000 | 6,300 | osceola county |
| 5301 Carson Street | $1,849,000 | 4,075 | Narcoossee New Map |
| 6900 Ranchero Court | $1,790,000 | 5,049 | Bay Lake Ranch |
| 4594 Hickory Tree Rd | $1,499,999 | 3,504 | S L & I C |
| 5229 Waterside Vista Lane | $1,375,000 | 5,193 | Waterside Vista |
| 2270 Old Hickory Tree Road | $1,300,000 | 1,692 | osceola county |
| 6805 Bass Highway | $1,290,000 | 3,535 | osceola county |
| 4901 Manor House Lane | $1,250,000 | 2,809 | S L & I C |
Waterfront Homes by price
| Band | For sale | Share |
|---|---|---|
| Under $300K | 1 | 2% |
| $300K–$500K | 25 | 42% |
| $500K–$750K | 19 | 32% |
| $750K–$1M | 4 | 7% |
| $1M+ | 10 | 17% |
St Cloud waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale. The 60 communities with the most waterfront homes listed are tabled; the rest follow.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| S L & I C | 5 | 0 | $1,250,000 | $729,000 |
| Hanover Lakes Ph 5 | 4 | 0 | $654,500 | $629,000 |
| Bay Lake Estates | 4 | 0 | $554,950 | $439,900 |
| Majestic Oaks | 2 | 0 | $737,450 | $735,000 |
| Buena Lago | 2 | 2 | $689,995 | $679,997 |
| Hanover Lakes Ph 2 | 2 | 0 | $529,949 | $499,999 |
| Wiregrass Ph 1 | 2 | 0 | $499,000 | $399,500 |
| Amelia Groves Ph 1 | 2 | 0 | $486,500 | $454,000 |
| Whaleys Creek Ph 1 | 2 | 0 | $429,900 | $409,900 |
| Gramercy Farms Ph 6 | 2 | 0 | $323,500 | $310,000 |
| Shelter Cove | 2 | 0 | $277,500 | $200,000 |
| Osceola Groves | 1 | 0 | $2,000,000 | $2,000,000 |
| Seminole Land And Inv Co | 1 | 0 | $1,850,000 | $1,850,000 |
| Narcoossee New Map | 1 | 0 | $1,849,000 | $1,849,000 |
| Bay Lake Ranch Unit 3 | 1 | 0 | $1,790,000 | $1,790,000 |
| Waterside Vista | 1 | 0 | $1,375,000 | $1,375,000 |
| Seminole Land & Inv Co | 1 | 0 | $1,300,000 | $1,300,000 |
| Oakwood Shores | 1 | 0 | $1,290,000 | $1,290,000 |
| Narcoossee New Map Of | 1 | 0 | $1,200,000 | $1,200,000 |
| New Map Of Narcoossee | 1 | 0 | $1,050,000 | $1,050,000 |
| East Lake Reserve At Narcoossee Unit 3 | 1 | 1 | $1,032,000 | $1,032,000 |
| Mccools Add To Kissimmee Park | 1 | 0 | $975,000 | $975,000 |
| St Cloud Residential | 1 | 0 | $975,000 | $975,000 |
| Shake Colony | 1 | 0 | $829,900 | $829,900 |
| Alligator Lakeshore | 1 | 0 | $789,900 | $789,900 |
| Tops Terrace | 1 | 0 | $689,900 | $689,900 |
| Tindall Estates | 1 | 0 | $668,000 | $668,000 |
| Bridgewalk Ph 1A | 1 | 0 | $645,000 | $645,000 |
| Twin Lakes Ph 2C | 1 | 0 | $599,000 | $599,000 |
| East Lake Park Ph 3-5 | 1 | 0 | $580,000 | $580,000 |
| Bridgewalk Phase 1A | 1 | 0 | $579,000 | $579,000 |
| Citrus Ponds | 1 | 0 | $575,000 | $575,000 |
| Hanover Lakes Ph 1 | 1 | 0 | $564,900 | $564,900 |
| New Eden On The Lakes Unit 15 Replat | 1 | 0 | $560,000 | $560,000 |
| Hanover Lakes Ph 4 | 1 | 0 | $550,000 | $550,000 |
| Wiregrass Ph 2 | 1 | 0 | $532,500 | $532,500 |
| Camelot Unit 3 | 1 | 0 | $529,000 | $529,000 |
| Waters/Center Lk Ranch Ph 1B | 1 | 0 | $520,000 | $520,000 |
| East Lake Cove Ph 1 | 1 | 0 | $519,000 | $519,000 |
| Osceola Shores | 1 | 0 | $495,000 | $495,000 |
| Stevens Plantation | 1 | 0 | $490,000 | $490,000 |
| Keystone Pointe Ph 3 | 1 | 0 | $480,000 | $480,000 |
| Roberts Grove 2 | 1 | 0 | $459,900 | $459,900 |
| Doe Run At Deer Creek | 1 | 0 | $435,000 | $435,000 |
| Maple Terrace | 1 | 0 | $429,900 | $429,900 |
| Sunbrooke Ph 1 | 1 | 0 | $425,000 | $425,000 |
| Harmony Nbhd H-2 | 1 | 0 | $425,000 | $425,000 |
| New Eden On The Lakes Units 11 & 14 Rep | 1 | 0 | $423,000 | $423,000 |
| Villages At Harmony Ph 2A | 1 | 0 | $410,000 | $410,000 |
| Summerly Ph 3 | 1 | 0 | $404,900 | $404,900 |
| Fawn Meadows At Deer Creek Ph 1 | 1 | 0 | $386,900 | $386,900 |
| Live Oak Lake Ph 1 | 1 | 0 | $385,000 | $385,000 |
| Sawgrass Unit 1 | 1 | 0 | $385,000 | $385,000 |
| Buena Lago Ph 4 | 1 | 0 | $380,000 | $380,000 |
| Esprit Ph 3B | 1 | 0 | $370,000 | $370,000 |
| Southern Pines Ph 4 | 1 | 0 | $366,990 | $366,990 |
| Del Webb Sunbridge | 1 | 0 | $365,000 | $365,000 |
| Esplanade At Center Lake Ranch | 1 | 0 | $357,900 | $357,900 |
| Del Webb Sunbridge Ph 1C | 1 | 0 | $357,888 | $357,888 |
| Pinewood Gardens | 1 | 0 | $355,000 | $355,000 |
Also with waterfront homes for sale
- Savanna Park (1)
- Runnymede Shores (1)
- Northwest Lakeside Groves Ph 1 (1)
- Old Hickory Ph 3 (1)
- Esprit Ph 1 (1)
- Villas Del Castillo Ph Ii (1)
What waterfront ownership really costs
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand, not an estimate. Our flood insurance calculator and wind mitigation savings calculator show what the parcel will actually cost to insure.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? What is the finished-floor elevation? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
Common questions
How many waterfront homes are for sale in St Cloud?
What do waterfront homes cost in St Cloud?
Which St Cloud community has the most waterfront homes for sale?
Is a waterfront home always in a flood zone?
Keep exploring St Cloud
- All homes for sale in St Cloud
- St Cloud ZIP codes with prices
- St Cloud pool homes
- St Cloud golf course homes
- St Cloud gated community homes
- St Cloud 4-bedroom homes
- St Cloud homes under $300K
- St Cloud homes $300K–$500K
- Waterfront Homes in every city
Live data: Stellar MLS, refreshed with every MLS pull; this page rebuilds on every ship. Community-level aggregates only: active and pending residential listings in St Cloud, FL whose MLS record reports waterfront. Prices are asking prices, not values. Property features and prices only; nothing on this page describes residents. Equal Housing Opportunity.