St. Cloud, FL Homes for Sale and Local Realtor
A lakeside city in Osceola County with a historic brick-street downtown. I'm Omar Galan, and I help buyers and sellers in St. Cloud in English or Spanish.
Prefer to talk? Call or text (321) 325-2727
Broker Associate · LPT Realty · Se habla español
What St. Cloud is
St. Cloud is its own city in Osceola County, separate from Kissimmee. It sits on the south shore of East Lake Tohopekaliga, which locals call East Lake Toho. City Hall is at 1300 9th Street.
The city was founded on April 16, 1909, as a colony for Union veterans of the Civil War, and it was nicknamed the "Soldier City." It was incorporated on January 3, 1911. The original street grid near the lake is still there. Its north–south avenues are named after states, like New York and Pennsylvania, and the east–west streets are numbered.
St. Cloud quick facts
- CountyOsceola
- City typeIncorporated city (since 1911)
- LakeEast Lake Tohopekaliga, on the city's north side
- Main roadUS-192, which is 13th Street through town
- DowntownEntertainment District between 9th and 13th Streets
- City Hall1300 9th Street, St. Cloud 34769
- Mailing address tipA St. Cloud mailing address isn't always inside city limits. Check the parcel with the property appraiser.
- NeighborKissimmee, to the west
Facts checked Oct 19, 2026 with the City of St. Cloud. Rules and fees change, so confirm with the city, the county and any HOA or CDD before you buy.
Homes in St. Cloud
Most of the land inside city limits is used for single-family homes, according to the city's master plan. There are two main styles. Older homes sit on the traditional street grid near East Lake Toho. Newer suburban neighborhoods are mostly south of Nolte Road.
You'll also see townhomes and newer communities as you go out along the main roads. Some neighborhoods have an HOA, a CDD, or both, and others have neither. That's why we check each home on its own: roof and AC age, insurance quotes, flood zone, and any association documents.
Living in St. Cloud
- Lakefront Park, 1104 Lakeshore Blvd.: sand beach, marina, fishing pier, boat ramp, splash pad, pavilions and over 2 miles of bike path (City of St. Cloud).
- Downtown Entertainment District: brick streets and wide sidewalks, with shopping and dining within walking distance. It runs from 9th to 13th Street, between Massachusetts and Florida Avenues.
- Ralph V. Chisholm Regional Park, 4700 Chisholm Park Trail, off Narcoossee Road: a beach area, a lighted boat ramp, pavilions, and about two miles of hiking and equestrian trails.
- City events and meetings are on the City of St. Cloud calendar at stcloudfl.gov.
HOA, CDD and taxes
- Some St. Cloud neighborhoods have HOA dues, a CDD assessment, or both. Ask for the current amounts and documents for the exact home.
- A CDD assessment shows up on the Osceola County tax bill, separate from HOA dues.
- Property taxes: look up the parcel on the Osceola County Property Appraiser site. It also shows whether the home is inside city limits.
- Living in the home? File for homestead with the Osceola County Property Appraiser (deadline March 1).
Getting around
- US-192 (13th Street) is the main east–west road. It runs through the historic downtown and connects west to Kissimmee and east toward Melbourne.
- Florida's Turnpike runs north–south along the west side of the city.
- Narcoossee Road, Canoe Creek Road, Old Canoe Creek Road and Nolte Road are the main county roads into and through the city.
- Drive times depend on traffic and time of day. Test your own commute at rush hour before you buy.
Schools near St. Cloud
Public schools in St. Cloud are part of the School District of Osceola County. Schools are assigned by exact address, and zones can change, so look up each address with the district.
Check any address with the Osceola school zoning tool. We list school names only as a starting point. Please confirm the assigned schools for any address with the district.
Thinking about buying or selling in St. Cloud?
Browse current listings on my home search site, or ask me what your home could sell for. Free, no obligation.
St. Cloud FAQ
Is St. Cloud part of Kissimmee?
No. St. Cloud is its own incorporated city in Osceola County, with its own city hall and government. Kissimmee is a separate city to the west, connected by US-192.
Is every St. Cloud address inside city limits?
No. Some homes with a St. Cloud mailing address are in unincorporated Osceola County. Look up the parcel on the Osceola County Property Appraiser site, or ask me and I'll check it for you.
What kinds of homes are in St. Cloud?
Mostly single-family homes, according to the city's master plan. There are older homes on the street grid near East Lake Toho and newer suburban neighborhoods to the south. You'll also find townhomes and newer communities. Some have an HOA or a CDD.
How do I find out which schools serve a St. Cloud home?
Schools are assigned by address through the School District of Osceola County. Use the district's school zoning tool with the exact address, since zones can change.
Can you help me buy or sell in St. Cloud in Spanish?
Yes. I'm bilingual. We can talk, text and review documents in Spanish or English, whichever you prefer.
Let's talk about St. Cloud
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Area information is general and for convenience only. It is not a substitute for City of St. Cloud, Osceola County, HOA, CDD or school district records. Confirm city limits, zoning, rental rules, HOA and CDD fees, flood zones, taxes and school assignments with the official sources before you buy. Listing data on the home search site is from Stellar MLS and is deemed reliable but not guaranteed. A home value estimate is an opinion of value, not an appraisal. Equal Housing Opportunity.