Homes, values and local insight for St. Cloud, Osceola County, Florida.
Reviewed and updated October 3, 2026 by Ryan and Megan Winslow, Winslow Homes
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St. Cloud sits on the south shore of East Lake Tohopekaliga, known locally as East Lake Toho. It is known as the Friendly Soldier City, founded as a colony for Union Civil War veterans, and for bass fishing on the Kissimmee Chain of Lakes. Its historic downtown and lakefront park are a short drive from the Lake Nona and Orlando job centers.
Hamilton Disston dug canals in the area and built the St. Cloud sugarcane plantation in 1886. On April 16, 1909, the Seminole Land and Investment Company founded a colony on 35,000 acres for veterans of the Grand Army of the Republic and named the downtown avenues after Union states. The city incorporated in 1915, and the 1914 G.A.R. Memorial Hall still stands on Massachusetts Avenue. Longtime residents live in the oak-shaded State Streets near the lake, while young families and retirees fill new master-planned communities on the north and east sides. Daily life centers on the lakefront, youth sports, and downtown markets.
The original 1909 grid of downtown St. Cloud, with avenues named for states. Mature oaks and homes from the 1910s through the 1960s, mostly resale. Walkable to Lakefront Park and downtown, and many homes have no HOA. ( source )
A 27,000-acre master-planned community by Tavistock, the Lake Nona developer, on the northeast edge of St. Cloud. Weslyn Park is the main neighborhood, with new construction from several national builders, Voyager K-8 inside the community, and a Publix at Narcoossee Road and Cyrils Drive. Del Webb Sunbridge is the 55+ section. ( source )
A master-planned community south of downtown St. Cloud built around Buck Lake and Cat Lake, a town square, trails, and the Harmony Golf Preserve. Mix of new construction and resale, with its own K-8 and high school. HOA fees apply, and CDD fees apply in some sections. ( source )
Newer communities branching off Narcoossee Road between US-192 and SR-417, including Turtle Creek and Center Lake Ranch. It is one of the closest parts of St. Cloud to Lake Nona and Orlando International Airport. Some addresses are in the city and some are unincorporated Osceola County. ( source )
The new construction belt north of downtown. Cross Prairie is planned for about 5,000 homes with mixed use, and Hanover Lakes offers lakefront access at mid-market prices. ( source )
An age-restricted 55+ lakefront community by Del Webb and Jones Homes USA, planned for about 2,000 attached and single-family homes on 1,100 acres. The clubhouse overlooks Live Oak Lake and an activities director runs clubs and events. ( source )
A non-gated neighborhood off Nolte Road just west of Canoe Creek Road on the south side of St. Cloud. Most homes were built from 2005 to 2018. It has a mandatory HOA and sits near Royal St. Cloud Golf Links and a Florida Turnpike entrance. ( source )
Garlic crabs, chargrilled oysters, and stuffed flounder with lake views and live music outside. ( source )
Southern seafood · 2324 13th StLightly breaded catfish, hush puppies, and homemade slaw, with frog legs and gator bites on the menu. A local fixture since the 1970s. ( source )
American diner · 1407 13th StHome-style breakfast, lunch, and dinner. Regulars rave about the pancakes and patty melts. ( source )
American tavern · 1108 10th St, downtownSpeakeasy-themed tavern in a 1914 downtown building. Known for the tomahawk steak and burgers. ( source )
Barbecue · 2912 13th StFamily owned since 1982 with an open, wood-burning pit. St. Louis ribs, pulled pork, and blackberry cobbler. ( source )
Southern brunch · 1023 New York Ave, downtownSouthern-style brunch dishes like waffle tacos and eggs Benedict, plus handcrafted cocktails, in the historic Hunter Arms Hotel building. ( source )
Mexican · 3195 13th StFull-service Mexican kitchen and bar. Taquitos, carne asada burritos, and chile rellenos. ( source )
Coffee shop · 1031 New York Ave, downtownChristian-focused downtown coffee shop with fresh roasted coffee, specialty drinks, and house cold brew. ( source )
Downtown bar with full liquor, beer, and wine and regular live entertainment. ( source )
South-side sports bar with lots of TVs, burgers, fish and chips, and live music on weekends. ( source )
The point at the end of the lighted Lakefront Park bike path. Locals fish from the edge and watch the sunset over East Lake Toho. ( source )
Marina at Lakefront Park that sells bait and rents boats for trips onto East Lake Toho. ( source )
Osceola County library branch with study rooms, a sensory room, meeting rooms, and a county veterans services office on Thursdays. ( source )
Veteran-owned storefront selling raw Florida honey plus handmade soaps, balms, and local goods. ( source )
Downtown lifestyle boutique with women's apparel, home decor, commissioned art, and gifts. ( source )
Vendor market that takes over downtown on the last Wednesday of each month. ( source )
Saturday farmers market on New York Avenue downtown. ( source )
The city's main park on East Lake Toho with a sand beach, marina, fishing pier, boat ramp, splash pad, and over 2 miles of bike path. ( source )
in townA 58-acre passive park with nature trails, wetland, an old schoolhouse, a cannery, a blacksmith shop, and community gardens. ( source )
in townInclusive playground built for kids of all abilities, with shade sails, a wheelchair glider, and a double zip line. ( source )
in townCounty conservation land on Old Canoe Creek Road with hiking under old live oaks. Look for fox squirrels, gopher tortoises, and bald eagles. ( source )
25 miles southeastMore than 63,000 acres of Kissimmee Prairie for hunting, fishing, birding, hiking, horseback riding, and biking. ( source )
Lake Wales, Polk CountyNearest state park, with an 1876-era cow camp living history site, over 20 miles of hiking trails, and boating on three lakes. Campgrounds are closed for renovation; day use is open. ( source )
Atlantic coast, east of OrlandoNational Park Service barrier island with dunes, coastal hammocks, Mosquito Lagoon, and Timucua shell mounds. ( source )
Built in 1914 and on the National Register of Historic Places, this is one of the last Grand Army of the Republic halls. It holds Civil War uniforms, weapons, and photographs. Call ahead for tour hours. ( source )
Volunteer-run museum at 1012 Massachusetts Avenue on the city's Soldier City and sugar mill history. Open Thursday through Saturday and during the Monthly Market. ( source )
Murals on historic downtown buildings, each with a plaque explaining the moment in St. Cloud history it shows. ( source )
Public links-style golf course at 5310 Michigan Avenue with a restaurant and event space. ( source )
Johnny Miller design course opened in 2002 on 260 acres, wrapped around wetlands and certified as an Audubon Cooperative Sanctuary. ( source )
City celebration at Lakefront Park with live music, a car show, a lumberjack show, eating contests, a kids bike parade, and fireworks over the lake. ( source )
Last Wednesday of each monthEvening vendor market downtown. The Heritage Museum opens late that night. ( source )
AprilTasting event at the St. Cloud Marina Banquet Hall with samples from local restaurants. ( source )
MarchCity spring festival at The Ranch at St. Cloud. ( source )
October weekendsCity-run Halloween trail held over several October weekends. ( source )
St. Cloud Elementary, Hickory Tree Elementary, Lakeview Elementary, Michigan Avenue Elementary, Narcoossee Elementary, Neptune Elementary, Canoe Creek K-8, Voyager K-8
MiddleSt. Cloud Middle, Narcoossee Middle, Harmony Middle
HighSt. Cloud High, Harmony High, Nova Lakes High (opened 2026)
PrivateSt. Thomas Aquinas Catholic School, St. Cloud Christian Preparatory School
Listed for reference, not ranked. Confirm school zoning for any address with the district. ( source )
US-192 (13th Street), Florida Turnpike, Narcoossee Road (CR 15), SR-417
AirportsOrlando International Airport (MCO) is the nearest, reached via Narcoossee Road; Orlando Sanford International is the second option
Orlando: about 25 miles north Downtown Orlando from Harmony: about 45 minutes Kissimmee: about 5 miles west on US-192 Atlantic beaches (Melbourne, Cocoa, Satellite Beach): about an hourRyan and Megan Winslow, broker owners of Winslow Homes. REALTOR® since 2009, 3,000+ homes sold, broker in FL, MA, CT and RI, U.S. Army Retired.
Call 386-690-5858 Email Ryan and Megan Get pre-approvedResearched and verified 2026-09-28. Businesses change; call ahead.
Real numbers for St. Cloud, updated from public data.
Median gross rent in St. Cloud. Useful for investors running rental numbers.
Share of occupied homes in St. Cloud lived in by the owner.
A newer housing stock means fewer surprises at inspection.
Median household income in St. Cloud.
Median age of residents in St. Cloud.
Land area of St. Cloud.
Ryan and Megan are mortgage bankers with The Federal Savings Bank, lending in all 50 states. You get the home and the loan from one team.
Ryan and Megan price St. Cloud homes from recent sales, not guesses. Send your address and you get a free market analysis, with no obligation.
Typical value $356,000 · 84,756 residents
Area guide →Typical value $371,000 · 334,854 residents
Area guide →Typical value $535,000 · 7,741 residents
Area guide →Typical value $6,286,000 · 25 residents
Area guide →Typical value $480,000 · 2,867 residents
Area guide →12,458 residents
Area guide →See the full Osceola County real estate guide or the Florida real estate guide.
St. Cloud is in Osceola County, Florida.
About 71,036 people as of the 2024 Census Bureau estimate, up from 58,974 in 2020.
Ryan and Megan Winslow of Winslow Homes have sold over 3,000 homes since 2009 and are licensed in Florida, Massachusetts, Connecticut and Rhode Island. Call or text 386-690-5858.
Apply at www.winslowloan.com. Ryan and Megan are mortgage bankers with The Federal Savings Bank and lend in all 50 states, including FHA, VA and conventional loans.
17 years, over 3,000 homes sold, and one team for the home and the loan. Call or text 386-690-5858.
Sources: U.S. Census Bureau 2024 population estimates and 2019 to 2023 American Community Survey. Numbers update as new data is released. Talk to Ryan and Megan for current sold prices on your street.
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