Homes for sale under $400k in St. Cloud, FL

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READY TO BUILD

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
Introducing the Hayden, an exquisite single-story home plan meticulously crafted by Trinity Family Builders. Boasting four spacious bedrooms and two full baths, this abode is designed for modern comfort and convenience. The heart of the home lies in its expansive kitchen, seamlessly flowing into the family and dining room areas, perfect for entertaining guests or cozy family gatherings. The grandeur continues with the luxurious primary bedroom featuring a walk-in closet and bath adorned with Trinity's signature Luxury Retreat Shower. Outside, the covered entrance welcomes you home while the covered lanai beckons for al fresco dining and relaxation, completing this perfect blend of elegance

$396,999

4 beds2 baths2,008 sq ft

Hayden Plan, Saint Cloud, FL 34771

Secure delivery door • Expansive kitchen • Covered lanai

Listing provided by Zillow

NEW CONSTRUCTION

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
Stunning 4 bedroom, 3 bathroom home located just 10 minutes from Lake Nona and 20 minutes from the Orlando International Airport. This two-story home offers an open-concept layout featuring a spacious kitchen with a large island and walk-in pantry. The first floor includes a full bedroom and full bathroom, ideal for guests or multi-generational living. Upstairs, you’ll find three additional bedrooms and two full baths, including a generous primary suite. Additional highlights include an attached two-car garage, a welcoming front porch, and a covered lanai for outdoor living. The property is located within a highly desirable A-rated school district and near the new Sunbridge Voyager K&

$395,999

4 beds3 baths2,043 sq ft

2359 Zuni Rd, Saint Cloud, FL 34771

Full bedroom • Full bathroom • Spacious kitchen

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
This 3-year-old home is located near Harmony and offers access to beautiful Harmony trails, while being close to shopping, dining, and zoned for A rated schools. Features include energy efficient windows and solar panels with a $67 monthly lease, no carpet on the first floor, and a spacious kitchen with plenty of storage. All bedrooms are located upstairs, including the primary suite with a garden tub. The home also offers open living areas, large bedrooms, and a convenient drop-off zone in the garage. Modern, efficient, and well maintained, this property provides the perfect balance of comfort and location.

$395,990

3 beds2.5 baths2,207 sq ft

6428 Sprucepine Ln, Saint Cloud, FL 34771

Plenty of storage • No carpet • Spacious kitchen

READY TO BUILD

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
Beautiful open kitchen features a large island that overlooks the combo spacious dining area and family room. Upstairs loft offers extra space to be configured to best fit your family's needs.

$395,990

3 beds2.5 baths1,788 sq ft

Hurston Plan, Saint Cloud, FL 34771

Upstairs loft • Large island • Open kitchen

Listing provided by Zillow

READY TO BUILD

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
The Aria is one of our one-story floorplans featured in our Harmony West in St. Cloud, Florida. With multiple exteriors to choose from, the Aria is a popular home. Inside this 3-bedroom, 2-bathroom home, you'll find 1,672 square feet of comfortable living. This all-concrete block constructed, one-story layout optimizes living space with an open concept kitchen overlooking the living area, dining room, and covered lanai. Entertaining is a breeze, as this popular single-family home features a living and dining in the heart of the home, with covered lanai just steps away in your backyard. The spacious kitchen features stainless steel appliances, a convenient island, and walk-in pantry with amp

$395,990

3 beds2 baths1,672 sq ft

ARIA Plan, Saint Cloud, FL 34773

One story floorplans • Open concept kitchen • Attached bathroom

Listing provided by Zillow

Property at 4012 Waving Hickory Blvd, Saint Cloud, FL 34772, 3 beds, 2.5 baths

$395,165

3 beds2.5 baths1,946 sq ft

4012 Waving Hickory Blvd, Saint Cloud, FL 34772

Property at 1846 Bluepoint St, Saint Cloud, FL 34771, 4 beds, 2 baths

$395,000

4 beds2 baths1,846 sq ft

1846 Bluepoint St, Saint Cloud, FL 34771

Property at 9365 Denver Dr, Saint Cloud, FL 34773, 4 beds, 2 baths

$395,000

4 beds2 baths1,512 sq ft

9365 Denver Dr, Saint Cloud, FL 34773

Property at 7529 Castlewood Ct, Harmony, FL 34773, 3 beds, 2 baths

$395,000

3 beds2 baths1,852 sq ft

7529 Castlewood Ct, Harmony, FL 34773

Property at 5233 Masser Rd, Saint Cloud, FL 34772, 3 beds, 2 baths

$394,990

3 beds2 baths1,672 sq ft

5233 Masser Rd, Saint Cloud, FL 34772

Property at 5607 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5607 Ronin Dr, Saint Cloud, FL 34771

Property at 5625 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5625 Ronin Dr, Saint Cloud, FL 34771

Property at 5591 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5591 Ronin Dr, Saint Cloud, FL 34771

Property at 5587 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5587 Ronin Dr, Saint Cloud, FL 34771

Property at 6476 Barnstorm Way St, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,767 sq ft

6476 Barnstorm Way St, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 5611 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5611 Ronin Dr, Saint Cloud, FL 34771

Property at 5609 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5609 Ronin Dr, Saint Cloud, FL 34771

Property at 5585 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5585 Ronin Dr, Saint Cloud, FL 34771

Property at 5589 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5589 Ronin Dr, Saint Cloud, FL 34771

Property at 2791 House Finch Rd, Harmony, FL 34773, 4 beds, 2 baths

$394,990

4 beds2 baths1,828 sq ft

2791 House Finch Rd, Harmony, FL 34773

Property at 1961 Horsetail Dr, Saint Cloud, FL 34771, 3 beds, 2 baths

$394,990

3 beds2 baths1,589 sq ft

1961 Horsetail Dr, Saint Cloud, FL 34771

Property at Clementine Plan, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,929 sq ft

Clementine Plan, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 5627 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5627 Ronin Dr, Saint Cloud, FL 34771

Property at 5605 Ronin Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$394,990

3 beds2.5 baths1,615 sq ft

5605 Ronin Dr, Saint Cloud, FL 34771

Property at 2715 Slash Way, Saint Cloud, FL 34771, 4 beds, 2 baths

$394,900

4 beds2 baths1,816 sq ft

2715 Slash Way, Saint Cloud, FL 34771

Property at 4552 Homestead Trail St, Saint Cloud, FL 34772, 4 beds, 2.5 baths

$394,600

4 beds2.5 baths2,114 sq ft

4552 Homestead Trail St, Saint Cloud, FL 34772

Listing provided by Zillow

Property at Ellison Plan, Saint Cloud, FL 34771, 4 beds, 2.5 baths

$394,600

4 beds2.5 baths2,114 sq ft

Ellison Plan, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 2348 Southbury Dr, Kissimmee, FL 34744, 4 beds, 2.5 baths

$394,490

4 beds2.5 baths1,770 sq ft

2348 Southbury Dr, Kissimmee, FL 34744

Property at 4023 Kindling Wood Way, Saint Cloud, FL 34772, 4 beds, 2.5 baths

$394,400

4 beds2.5 baths2,066 sq ft

4023 Kindling Wood Way, Saint Cloud, FL 34772

Property at CALI Plan, Saint Cloud, FL 34772, 4 beds, 2 baths

$393,990

4 beds2 baths1,828 sq ft

CALI Plan, Saint Cloud, FL 34772

Listing provided by Zillow

Property at 5557 Buckeye Bend Dr, St Cloud, FL 34772, 4 beds, 2 baths

$393,325

4 beds2 baths1,715 sq ft

5557 Buckeye Bend Dr, St Cloud, FL 34772

Listing provided by Zillow

Property at 4540 Homestead Trl, Saint Cloud, FL 34772, 4 beds, 2.5 baths

$393,010

4 beds2.5 baths2,114 sq ft

4540 Homestead Trl, Saint Cloud, FL 34772

Property at 1406 Groveline Rd, Saint Cloud, FL 34771, 3 beds, 2 baths

$392,990

3 beds2 baths1,662 sq ft

1406 Groveline Rd, Saint Cloud, FL 34771

Property at Contour Plan, Saint Cloud, FL 34771, 2 beds, 2 baths

$392,990

2 beds2 baths1,405 sq ft

Contour Plan, Saint Cloud, FL 34771

Listing provided by Zillow

$392,990

3 beds2.5 baths1,782 sq ft

5163 Loyalty Dr, Saint Cloud, FL 34772

Property at 4011 Kindling Wood Way St, Saint Cloud, FL 34772, 4 beds, 2 baths

$392,900

4 beds2 baths2,066 sq ft

4011 Kindling Wood Way St, Saint Cloud, FL 34772

Listing provided by Zillow

Property at 520 Mossy Wood Ln, Saint Cloud, FL 34771, 4 beds, 2 baths

$392,765

4 beds2 baths2,066 sq ft

520 Mossy Wood Ln, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 583 Windy Willow Way, Saint Cloud, FL 34771, 4 beds, 2 baths

$392,765

4 beds2 baths2,066 sq ft

583 Windy Willow Way, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 5563 Buckeye Bend Dr, St Cloud, FL 34772, 4 beds, 2 baths

$392,462

4 beds2 baths1,819 sq ft

5563 Buckeye Bend Dr, St Cloud, FL 34772

Listing provided by Zillow

Property at 584 Mossy Wood Ln, Saint Cloud, FL 34771, 3 beds, 2 baths

$392,175

3 beds2 baths1,946 sq ft

584 Mossy Wood Ln, Saint Cloud, FL 34771

Listing provided by Zillow

Property at Bennet Plan, Saint Cloud, FL 34771, 4 beds, 2 baths

$391,999

4 beds2 baths1,867 sq ft

Bennet Plan, Saint Cloud, FL 34771

Listing provided by Zillow

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Based on information submitted to the MLS GRID as of Sun Nov 30 2025. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Homes for sale under $400k in St. Cloud

There are currently 502 homes for sale under $400k in St. Cloud. Some of these homes are "Hot Homes," meaning they're likely to sell quickly. Most homes for sale in St. Cloud stay on the market for 81 days and receive 4 offers. Popular neighborhoods include Kissimmee Park, St. Cloud Boulevard, Stevens Plantation, Narcoossee South, and St. Cloud Manor Estates. This map is refreshed with the newest listings in St. Cloud every 15 minutes.

In the past month, 134 homes have been sold in St. Cloud. In addition to houses in St. Cloud, there were also 15 condos, 108 townhouses, and 6 multi-family units for sale in St. Cloud last month. St. Cloud is a minimally walkable city in Florida with a Walk Score of 25. St. Cloud is home to approximately 34,526 people and 6,160 jobs. Find your dream home in St. Cloud using the tools above. Use filters to narrow your search by price, square feet, beds, and baths to find homes that fit your criteria. Our top-rated real estate agents in St. Cloud are local experts and are ready to answer your questions about properties, neighborhoods, schools, and the newest listings for sale in St. Cloud. Our St. Cloud real estate stats and trends will give you more information about home buying and selling trends in St. Cloud. If you're looking to sell your home in the St. Cloud area, our listing agents can help you get the best price. Redfin is redefining real estate and the home buying process in St. Cloud with industry-leading technology, full-service agents, and lower fees that provide a better value for Redfin buyers and sellers.

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Homes for sale under $400k in St. Cloud, FL

Homes for sale under $400k in St. Cloud

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