St Cloud (City of St Cloud) Homes under $400,000

St Cloud (City of St Cloud) Homes under $400,000

Welcome to St. Cloud, Florida – a hidden gem nestled in the heart of Osceola County! With its charming small-town feel, vibrant community spirit, and a plethora of outdoor activities, St. Cloud offers a delightful blend of tranquility and adventure. Known for its beautiful lakes, lush parks, and scenic walking trails, this city is perfect for nature lovers and families alike. The historic downtown area boasts quaint shops and local eateries, creating a warm atmosphere that invites you to explore and connect with your neighbors.

St. Cloud is also conveniently located just a short drive from the bustling attractions of Orlando, making it an ideal spot for those who want to enjoy the excitement of theme parks while returning to the peacefulness of home. The city’s strong sense of community is reflected in its numerous events and festivals throughout the year, which celebrate the rich culture and diversity of the area.

For those looking to plant roots in this idyllic city, St. Cloud offers a variety of homes under $400,000, making it an accessible option for first-time buyers, families, and investors alike. Whether you’re searching for a cozy single-family home, a charming townhouse, or a spacious property with room to grow, St. Cloud has something for everyone. With affordable housing options and a welcoming atmosphere, it’s no wonder that St. Cloud is becoming a sought-after destination in Central Florida. Come discover your dream home in this vibrant community and experience the best of Florida living!

Newest St Cloud (City of St Cloud) Homes under $400,000

1603 Cloudy Court, St Cloud
$379,000
4 Beds ⋅ 3 Baths ⋅ Sky Lakes Ph 2 & 3 SubDv. ⋅ 34769 Zip Code
BEAUTIFUL CORNER TOWNHOME offering extra privacy, an OPEN-CONCEPT DESIGN, and HIGH-QUALITY FINISHES throughout! This spacious home features 4 BEDROOMS, 2.5 BATHROOMS, a 2-CAR GARAGE, and additional driveway parking. The bright and spacious living area flows seamlessly into the kitchen and dining space, creating an ideal layout for everyday living and entertaining. The kitchen features 42-INCH UPPER CABINETS with crown molding, QUARTZ COUNTERTOPS, and STAINLESS STEEL APPLIANCES. TILE FLOORING throughout the main level adds both style and easy maintenance.

1603 Cloudy Court, St Cloud
1424 Wyoming Avenue, St Cloud
$325,000
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
WELCOME HOME to 1424 Wyoming Ave, where classic St. Cloud charm meets the Florida lifestyle! Situated on a spacious 0.26-acre lot with NO HOA, this well-maintained 3-bedroom, 1.5-bath home offers 1,368 square feet of living space plus an additional room, providing valuable extra space for a home office, den, hobby room, playroom, or whatever best fits your lifestyle. Step outside and discover what truly sets this home apart, a private screened-in pool and expansive covered outdoor living area, creating the perfect setting for morning coffee, weekend cookouts, entertaining friends, or simply unwinding by the pool. Inside, the home offers a warm and inviting feel highlighted by a fireplace, functional living spaces, and plenty of opportunity to make it your own. Major improvements include a roof replaced in 2018 along with repiped plumbing, adding value to a home that has been cared for over the years. The generous lot provides additional outdoor space beyond the pool enclosure, while the established St. Cloud location puts you within convenient reach of downtown St. Cloud, local schools, shopping, dining, parks, and the St. Cloud lakefront. Whether you’re looking for your next home or a property you can personalize over time, 1424 Wyoming Ave combines space, a private pool, outdoor living, an additional room, and NO HOA in one inviting package. Schedule your private showing today and come see the possibilities for yourself!

1424 Wyoming Avenue, St Cloud
2473 Zuni Road, St Cloud
$389,000
4 Beds ⋅ 3 Baths ⋅ Ellington Place SubDv. ⋅ 34769 Zip Code
Short Sale. SHORT SALE !!!! BRAND-NEW 2025 HOME 4 BEDROOMS 3 BATHROOMS. this property is an excellent opportunity for buyers looking for modern living, comfort, and peace of mind or investors. Enjoy convenient access to the Lake Nona area, Medical City, Orlando International Airport, major roadways 417 and 528, shopping centers, restaurants, schools and the many attractions and employment centers throughout Central Florida. Don't miss this opportunity! Schedule your private showing today.

2473 Zuni Road, St Cloud
2577 Lakota Lane, St Cloud
$245,000
3 Beds ⋅ 2 Baths ⋅ Kanuga Village Mobile Home Park Ph 2 SubDv. ⋅ 34769 Zip Code
LOCATION! LOCATION! LOCATION! This 3 bedroom, 2 bath home has plenty of room. Huge 17 X 15 Living Room and large Family Room 18 X 13. The master suite offers a walk in closet, tub with separate shower. The floor plan features a dining/living room combo, separate family room, split bedroom, and laundry room. The carport is 12 x 51 and has an additional storage shed which measures 12 x 9. Fantastic Cul-De-Sac location ...so no through traffic. Roof replaced in 2017, Re-plumbed in 2026. Near bus lines, close to major shopping and restaurants, Minutes to the Florida Turnpike, less than an hour to East Coast Beaches and Area Attractions, easy access to the Medical City and Orlando International Airport. Schedule your tour today.

2577 Lakota Lane, St Cloud
909 Illinois Avenue, St Cloud
$270,000
2 Beds ⋅ 2 Baths ⋅ Brodan Square SubDv. ⋅ 34769 Zip Code
Welcome to the only community that provides maintenance free living in downtown Saint Cloud. It's the best of both worlds. Lawn care and exterior maintenance provided with small town living and lots of activities at Lakefront park and downtown St Cloud. New roof in 2022. This beautiful villa has been updated with granite countertops, stainless steel appliances, white cabinets, and laminate floors. The main living areas have high vaulted ceilings and plenty of natural light with a skylight. The enclosed Florida room has plantation shutters with lots of windows. Each unit has private covered parking and an outdoor storage shed in this well maintained community. Come visit this home today.

909 Illinois Avenue, St Cloud
431 Jersey Avenue, St Cloud
$359,000
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Prime St. Cloud location meets everyday comfort and spacious outdoor living in this 3-bedroom, 2-bath home situated on a generous 0.34-acre lot. Inside, the spacious living room flows naturally into the dining area and kitchen, creating an inviting central gathering space. The kitchen features stainless steel appliances, abundant cabinetry, and ample counter space for both meal preparation and entertaining. The split-bedroom floor plan offers comfortable separation, with spacious secondary bedrooms and a private primary suite featuring its own sliding glass door, en-suite bathroom with a walk-in shower, and a spacious walk-in closet. A fully enclosed Florida room with its own wall-unit A/C provides additional flexible living space and overlooks the expansive, fully fenced backyard. Outside, the 0.34-acre lot provides plenty of room to enjoy the Florida sunshine and make the most of the spacious backyard. The roof was replaced in 2019, and the water heater was replaced in 2026. Just blocks from Lakefront Park Marina and the shores of East Lake Tohopekaliga, this home is also conveniently located near Costco, dining, shopping, recreation, and more. With its spacious layout, generous lot, and prime location, this St. Cloud home offers a fantastic combination of comfort, flexibility, and convenience. Mortgage savings may be available for buyers of this listing.

431 Jersey Avenue, St Cloud
1519 Michigan Avenue, St Cloud
$350,000
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
POOL HOME!! Take a look at this three bedroom two bathroom home located in the beautiful city of Saint Cloud. A freestanding, gable-roof aluminum pool screen enclosure is positioned over the in-ground swimming pool and is heated by solar panels. The rear spacious screened-in patio looks out toward the backyard pool and remaining fenced yard. In the kitchen are light maple-toned wood cabinets that line the upper and lower walls, paired with dark gray countertops, and a warm toned backsplash which adds a hint of texture. The central island features a tiled countertop and an open vertical wood post structure that acts as decorative shelving with a custom cutting board built in the center. A large built-in wardrobe system with frosted glass sliding doors offering ample closet or storage space in the primary bedroom. The home is equipped with hurricane shutters, providing an added layer of protection for windows while enhancing overall safety. This is it if you're looking for a split bedroom floorplan, a home that provides additional spacious living space, and much more!

1519 Michigan Avenue, St Cloud
519 Massachusetts Avenue, St Cloud
$278,000
2 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Plat Town Of SubDv. ⋅ 34769 Zip Code
Welcome to this beautiful and inviting 2-bedroom, 2-bath home conveniently located in the heart of St. Cloud! Offering 1,033 square feet of living space, this charming home also features a versatile bonus room that can be used as a 3rd bedroom, home office, playroom, or additional living area. Situated on a large lot, the property provides plenty of outdoor space for entertaining, gardening, pets, or simply enjoying the Florida sunshine. The spacious yard adds tremendous potential and is a standout feature of this home. Location is another major highlight! Enjoy being conveniently located near the beautiful St. Cloud Lakefront and East Lake Tohopekaliga, with easy access to parks, walking and biking paths, boating, fishing, and waterfront recreation. Historic Downtown St. Cloud, with its restaurants, shops, and community events, is also just minutes away. With 2 bedrooms, 2 full bathrooms, a flexible bonus room with potential as a 3rd bedroom, a large lot, and a desirable St. Cloud location, this home offers a wonderful combination of comfort, versatility, and convenience. Schedule your private showing today!

519 Massachusetts Avenue, St Cloud
315 Pennsylvania Avenue, St Cloud
$229,900
2 Beds ⋅ 1 Baths ⋅ St Cloud 2nd Plat Town Of SubDv. ⋅ 34769 Zip Code
LOCATION, LOCATION, LOCATION! Welcome to 315 Pennsylvania Avenue, ideally situated in the heart of St. Cloud just blocks from the beautiful St. Cloud Lakefront and minutes from Downtown St. Cloud. This charming 2-bedroom, 1-bath home offers approximately 880 square feet of living space and an opportunity to enjoy one of the city's most convenient and desirable locations. One of the standout features of this property is the BIG, OVERSIZED YARD, providing plenty of outdoor space for entertaining, gardening, pets, recreation, or simply relaxing and enjoying the Florida lifestyle. The location is hard to beat! You're just blocks from the St. Cloud Lakefront beach area, where you can enjoy the waterfront, scenic trails, parks, playgrounds, fishing, boating, and beautiful views of East Lake Tohopekaliga. Downtown St. Cloud is also nearby, offering local restaurants, shopping, community events, and the charm of historic St. Cloud. Whether you're looking for a primary residence, investment opportunity, or a home close to everything St. Cloud has to offer, this property combines a convenient central location with a spacious yard and plenty of potential. Come see what makes this location so special!

315 Pennsylvania Avenue, St Cloud
2236 Betsy Ross Lane Unit 2236, St Cloud
$235,000
2 Beds ⋅ 2 Baths ⋅ Jefferson Green Ph 26 SubDv. ⋅ 34769 Zip Code
Short Sale. Check out this end unit condo. Open floor plan featuring 2 bedrooms, 2 baths. A spacious great room connects to the fully equipped kitchen. The kitchen offers a breakfast bar, large pantry, and plenty of counter space. The master bedroom features a huge walk-in closet, tray ceiling, and an en-suite bathroom with dual sinks. There is a second bedroom, ideal for guests or office space. You will have a comfortable laundry room and additional storage/linen closet in the hallway. A sliding door off the great room area opens to the comfortable balcony where you can relax and enjoy a drink or reading. Water filtration system and water softener included. Luxury vinyl and ceramic tile in wet areas for easy maintenance. One car garage with driveway for additional parking space. The community of Anthem Park offers plenty of amenities including: clubhouse, pool, tennis court, basketball court, parks, playground, and more. HOA covers exterior and grounds maintenance. The elementary school is just a short walk away. This excellent location will give you easy access to 192, FL Turnpike, shopping, and dining. See it today!

2236 Betsy Ross Lane Unit 2236, St Cloud
1516 Carolina Avenue, St Cloud
$300,000
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Florida character meets everyday comfort at this two-story cottage. The oversized, fully fenced backyard is the star outside. It offers a wide lawn under mature shade trees, with plenty of room for gardening, pets, play, or weekend gatherings. Inside, the living room is bright and inviting, with beadboard accent walls and crown molding. An open doorway leads to the dining area and kitchen. The galley-style kitchen has crisp white cabinetry, wood-look flooring. Upstairs, the primary bedroom and is large and offers lots of light with a bathroom attached to the office space. A great fit for first-time buyers, downsizers, or investors looking for a home with charm and outdoor space. Schedule your showing today!

1516 Carolina Avenue, St Cloud
200 16th Street, St Cloud
$250,000
2 Beds ⋅ 1 Baths ⋅ St Cloud SubDv. ⋅ 34769 Zip Code
Welcome to this charming corner-lot haven in the heart of St. Cloud! Thoughtfully updated for total peace of mind, this light-filled 2-bedroom, 1-bath residence features a brand-new roof, new central A/C, and fully inspected electrical systems so you can unpack and immediately start living your best life. Step inside to an open, inviting living space that seamlessly connects to a sunny, functional kitchen—perfect for quiet morning coffees or hosting intimate weekend gatherings. The desirable split bedroom plan offers maximum privacy, while the dedicated interior laundry area adds effortless everyday convenience. Outside, your private, fully fenced backyard sanctuary awaits, complete with a generous concrete patio ideal for alfresco dining, gardening, or cozy evenings under the stars with family and pets. Located just minutes from the vibrant St. Cloud lakefront park, historic downtown dining, and Lake Nona, this darling home blends peaceful sanctuary with unbeatable convenience.

200 16th Street, St Cloud
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