Osceola · Florida
St. Cloud Homes for Sale & Real Estate Listings
Browse homes for sale in St. Cloud, Florida, with live MLS listings and local market data from Pure Equity.
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St. Cloud Market at a Glance
Live MLS · Updated Oct 14, 2026
- Active Inventory
- 138
- New Listings (30d)
- 12
- Pending Sales
- 0
- Median List Price
- $422,450
- Avg Days on Market
- 197
Residential MLS data for St. Cloud, updated nightly. View full market reports →
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Market Overview
St. Cloud real estate market
St. Cloud is located in Osceola County, Florida. There are 138 homes for sale in St. Cloud right now, updated from the MLS. The median list price is $422,450.
There are 138 active listings for sale in St. Cloud right now. The median list price is $422,450, or about $206 per square foot. Listings span $165,000 to $749,900, so there is inventory across most budgets. Homes are averaging 197 days on market. These figures update from the MLS as the market moves.
St. Cloud Market Stats
MLS data updated October 14, 2026- Active Listings
- 138
- Median List Price
- $422,450
- Median $/Sq Ft
- $206
- Avg Days on Market
- 197
- Price Range
- $165,000 to $749,900
Read that median carefully
53% of the homes for sale here right now are in one development, PALM GARDENS CONDO, which is 9 of 17 listings. That pulls the median asking price down to $260,000. Leave that development out and the median asking price is $422,450. If you own a unit in PALM GARDENS CONDO, the first figure is the relevant one. If you own anything else, it is not.
St. Cloud at a Glance
- Active Listings
- 138
Frequently Asked Questions
- How many homes are for sale in St. Cloud?
- There are 138 active listings for sale in St. Cloud right now, and these counts update from the MLS as homes come on the market and go under contract. The most expensive listing asks about 5 times the least expensive, so budgets vary widely within St. Cloud. Ask us to set up a search alert and you will see new St. Cloud listings the day they reach the market.
- What is the median home price in St. Cloud?
- The median list price in St. Cloud is $422,450, or roughly $206 per square foot. The median is the midpoint of what is currently listed, so about half of St. Cloud homes ask more and half ask less, within a broader range of $165,000 to $749,900. The median sits near the middle of that range, so St. Cloud inventory is spread fairly evenly rather than bunched at one end. We can pull recent comparable sales to price a specific home more precisely.
- What price range do homes in St. Cloud cover?
- Homes for sale in St. Cloud currently range from about $165,000 at the entry level to $749,900 at the top of the market. That spread reflects the local mix, from smaller condos and townhomes up to larger single-family and luxury homes, with the median list price around $422,450. That is a wide spread, so St. Cloud genuinely holds homes at very different budgets rather than one price point. Tell us your budget and must-haves and we will send the St. Cloud listings that actually fit.
- How long do homes take to sell in St. Cloud?
- Homes in St. Cloud are averaging 197 days on market, measured from the day a listing goes live to the day it goes under contract. That is a slow pace, so sellers here should expect to price carefully and buyers often have time to compare before committing. Days on market in St. Cloud also shift with the season and with how a home is priced, so a sharply priced listing can still sell well ahead of the average.
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Rentals
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Public Records
Look up St. Cloud property records
Anything on this page that affects what a home costs to own, assessed value, exemptions, flood zone, is published by a public agency. These are the official sources, not our summaries of them.
Florida property appraisers by county
Assessed value, homestead exemption status, and recorded sales history for any parcel.
FEMA Flood Map Service Center
Look up the official flood zone for an address before you budget for insurance.
Florida Department of Revenue, property taxes
How Florida assesses property, and which exemptions you can claim.
Selling in St. Cloud
Selling a home in St. Cloud
A successful sale in St. Cloud comes down to pricing, presentation, and marketing. List prices in St. Cloud currently center around $422,450, which is a starting reference for where a comparable home might be positioned. Homes that are decluttered, professionally photographed, and priced to recent comparable sales tend to draw the most interest in the first two weeks, when a listing is newest and gets the most views. Florida sellers usually pay the documentary stamp tax on the deed, currently $0.70 per $100 of the sale price in most counties, along with prorated property taxes and, by local custom in many areas, the owner's title insurance policy. We provide a no-obligation home valuation for St. Cloud owners, so you can see what your property could sell for before you commit to listing.
Buying in St. Cloud
Buying a home in St. Cloud
Buying in St. Cloud follows the same path as the rest of Osceola County. Getting a mortgage pre-approval first tells you your real budget and lets you move quickly when the right home comes up. Property taxes factor into the monthly payment: the median annual property tax in Osceola County is about $2,498. Florida's homestead exemption lowers the taxable value of a primary residence, and the Save Our Homes cap limits how fast that assessed value can rise from year to year. Budget for homeowners insurance as well. Rates in Florida reflect wind and flood exposure, so gather quotes early and check whether a specific address sits in a FEMA flood zone. Once you are under contract, plan for a home inspection and, if you are financing, a lender appraisal, both of which fall inside the inspection period. Working with an agent who knows St. Cloud means you see new listings here the day they reach the market.
Thinking of Selling?
What is your St. Cloud home worth?
Online estimates miss what makes a home different. Tell us about yours and a licensed listing agent will send you a pricing opinion based on what has actually closed near you in St. Cloud.
Listing agents and seller representation in St. Cloud
Thinking about selling in St. Cloud? The agent you pick shapes two numbers: what your home closes for, and how long it takes. A listing agent, also called a seller's agent, prices the property against what has actually closed nearby. They also prepare and market it, screen the offers that arrive, and negotiate the terms rather than just the price.
Conditions in St. Cloud sit close to balanced, which rewards sellers who price against real closed sales instead of neighboring asking prices. Homes here are averaging about 197 days from listing to accepted offer, so build that into your moving timeline.
Local knowledge shows up in the details. Which streets hold value, how the association or flood zone affects a given address, and which recent sales genuinely compare to yours.
Pure Equity is a licensed Florida brokerage serving St. Cloud. Onias Derilus is the broker of record, Florida Real Estate Broker license BK3276618. A broker holds a higher license than an agent working under one. In practice that means the person advising you on price is also the one legally responsible for the file. That matters most when a deal gets complicated.
More on this: how listing agent commission works · selling a house held in a trust
Realtors and real estate agents serving St. Cloud
People search for realtors, real estate agents, and real estate brokers more or less interchangeably. For most purposes the job title matters less than licensing and representation. Every licensed agent in Florida works under a broker. That broker carries final responsibility for the transaction.
What separates real estate professionals in St. Cloud is specificity. Can they answer questions about your street, not just your city? Ask what they have closed nearby and how they arrived at a price. A grounded answer cites particular recent sales. It also explains why those homes compare to yours. Vague reassurance is the warning sign.
More on this: zestimate vs CMA: how accurate are online estimates? · what affects home value in South Florida? · taxes and money when you sell
Buyer's agents in St. Cloud
A buyer's agent represents the purchaser rather than the owner. They identify properties that actually fit and research what comparable homes sold for, not what they asked. They also advise on offer strategy. Finally, they manage inspection and financing deadlines through to closing.
Where buyers have room to negotiate, as they do in St. Cloud, the leverage is only worth something if you know where it exists and what to ask for. If you are buying and selling at the same time, which is common for people moving within Osceola County, sequencing the two is its own skill: contingencies, timing, and what happens if one closing slips all need planning before either home goes on the market.
What representation costs
Real estate commissions are negotiable. No law, multiple listing service, or association sets them. If an agent tells you there is a standard rate, they are misinforming you. What you pay is agreed between you and the brokerage you hire. Get it in writing before the work begins.
Industry rules changed in 2024. Now a buyer and their agent must put compensation in a written buyer agreement before touring homes together. Sellers may still offer to contribute toward the buyer's side. However, that is negotiated rather than assumed. It is worth thinking through with your listing agent before you go live.
More on this: how commission is actually structured · tax on the sale, and who actually answers it · timing a listing in the Florida market
Buying Instead?
Search St. Cloud with someone local
We will tell you which listings are worth your time, what comparable homes actually closed for, and how to structure an offer that holds up through inspection and financing.
Frequently asked questions
How do I find a listing agent in St. Cloud?
Ask any listing agent you interview two questions. Which homes have they closed near St. Cloud, and how did they arrive at their suggested price? A grounded answer names recent closed sales. It also explains why those homes compare to yours. With a median around $422,450 here, the gap between realistic pricing guidance and optimistic guidance is real money. Verify the license too. Florida licenses are public and searchable through the state's DBPR portal. Pure Equity is a licensed brokerage serving Osceola County. You can reach the broker directly at (561) 835-5400.
What does a seller's agent actually do?
A seller's agent prices the home against comparable closed sales. Before it goes live, they advise on repairs and presentation. Then they handle photography and marketing, and put the home in front of buyers and other agents. When offers arrive, they screen them and negotiate both price and terms. Terms matter as much as the number, because inspection windows, financing contingencies, and closing dates all affect whether an offer reaches the closing table.
How much does a real estate agent cost in St. Cloud?
Commissions are fully negotiable. No law or real estate board sets them. What you pay is whatever you and your brokerage agree to in writing before work begins. Since the 2024 rule changes, buyers and their agents must agree compensation in a written buyer agreement before touring homes. Any seller contribution toward the buyer's side is negotiated rather than automatic. Ask any agent you interview to put their fee in writing.
What is the difference between a realtor, a real estate agent, and a broker?
A real estate agent holds a state license to represent buyers and sellers. A broker holds a higher-level license and can operate a brokerage. That broker also carries final legal responsibility for the office's transactions. Realtor is a membership term for agents belonging to the National Association of Realtors. For someone buying or selling in St. Cloud, three practical questions matter. Is the person licensed, who do they represent in your transaction, and what can they actually tell you about your local market?
Do I need an agent to buy a home in St. Cloud?
You are not legally required to use one, but most buyers in St. Cloud do. A buyer's agent handles the parts that are easy to get wrong. That means identifying what comparable homes actually closed for, spotting condition or association issues early, and managing inspection and financing deadlines. Even in a slower market, negotiating room is only useful if you know where it exists.
Can one agent help me sell my current home and buy the next one?
Yes. For people moving within Osceola County it is often the more practical route, because one person coordinates both timelines. Sequencing is the hard part. Should your purchase be contingent on your sale? How would you cover a gap if the closings do not line up? What happens if one side is delayed? Plan all of that before either home is listed, rather than after an offer arrives.
Communities & Neighborhoods
Communities and buildings in St. Cloud
Palm Gardens Condo
Community
Hp171 Holopaw
Community
Hp250 Holopaw
Community
Hp251 Holopaw
Community
Hp271 Holopaw
Community
S L I C
Community
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