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.
81 waterfront homes are for sale or pending in St Cloud, FL today across 58 communities. The median asking price is $532,500, from $200,000 to $3,785,500. Listings in St Cloud without that feature have a median of $619,000. Most listings right now: Bay Lake Estates (4), S L & I C (3), East Lake Park Ph 3-5 (2). Updated September 8, 2026 from the MLS.
St Cloud waterfront homes by community
Click a community for its full guide: prices, HOA reality, insurance posture and the homes for sale.
| Community | Waterfront Homes | New build | Median list | From |
|---|---|---|---|---|
| Bay Lake Estates | 4 | 0 | $557,000 | $439,900 |
| S L & I C | 3 | 0 | $1,250,000 | $850,000 |
| East Lake Park Ph 3-5 | 2 | 0 | $927,500 | $580,000 |
| Buena Lago | 2 | 2 | $694,992 | $689,990 |
| Hanover Lakes Ph 5 | 2 | 0 | $644,500 | $639,000 |
| Hanover Lakes Ph 2 | 2 | 0 | $529,949 | $499,999 |
| Amelia Groves Ph 1 | 2 | 0 | $486,500 | $454,000 |
| Hanover Lakes Ph 4 | 2 | 0 | $474,500 | $399,000 |
| Stevens Plantation | 2 | 0 | $464,950 | $439,900 |
| Whaleys Creek Ph 1 | 2 | 0 | $452,400 | $444,900 |
| Pinewood Gardens | 2 | 0 | $365,000 | $355,000 |
| Gramercy Farms Ph 6 | 2 | 0 | $331,000 | $325,000 |
| Shelter Cove | 2 | 0 | $277,500 | $200,000 |
| 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 |
| 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 | $799,750 | $799,750 |
| 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 |
| Wiregrass Ph 1 | 1 | 0 | $599,000 | $599,000 |
| New Eden On The Lakes Unit 15 Replat | 1 | 0 | $580,000 | $580,000 |
| Bridgewalk Phase 1A | 1 | 0 | $579,000 | $579,000 |
| Citrus Ponds | 1 | 0 | $575,000 | $575,000 |
| Del Webb Sunbridge Ph 2A | 1 | 0 | $569,900 | $569,900 |
| Hanover Lakes Ph 1 | 1 | 0 | $564,900 | $564,900 |
| 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 |
| Roberts Grove 2 | 1 | 0 | $485,900 | $485,900 |
| Keystone Pointe Ph 3 | 1 | 0 | $480,000 | $480,000 |
| East Lake Reserve At Narcoossee Unit 3 | 1 | 0 | $449,900 | $449,900 |
| Pine Lake Estates Unit 4 | 1 | 0 | $429,900 | $429,900 |
| Maple Terrace | 1 | 0 | $429,900 | $429,900 |
| Sunbrooke Ph 1 | 1 | 0 | $425,000 | $425,000 |
| 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 | $368,490 | $368,490 |
| Esplanade At Center Lake Ranch | 1 | 0 | $357,900 | $357,900 |
| Del Webb Sunbridge Ph 1C | 1 | 0 | $357,888 | $357,888 |
| Savanna Park | 1 | 0 | $349,000 | $349,000 |
| Northwest Lakeside Groves Ph 1 | 1 | 0 | $330,000 | $330,000 |
| Old Hickory Ph 3 | 1 | 0 | $330,000 | $330,000 |
| Esprit Ph 1 | 1 | 0 | $309,900 | $309,900 |
| Villas Del Castillo Ph Ii | 1 | 0 | $299,900 | $299,900 |
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
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- 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.