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

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NEW CONSTRUCTION

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
Tohoqua is the kind of neighborhood you've been looking for, with a family-friendly amenity center and a location within proximity to major roadways, including US-192, the FL. Turnpike and within 30 minutes of Orlando International Airport, Orlando’s world class amusement parks, and Medical City. Enjoy the adjacent Twin Oaks Park Florida Trail, featuring trails along famous Lake Tohopekaliga and connectivity to regional trail networks. A planned Village Center at the entrance to Tohoqua will offer shops, restaurants, healthcare and medical offices, a farmers' market and much more. Community amenities include a clubhouse, resort-style pool, community parks, a dog park, fitness center,

$368,890

3 beds2.5 baths1,683 sq ft

2316 Southbury Dr, Kissimmee, FL 34744

Dog park • Clubhouse • Community amenities

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
Welcome to this beautifully maintained 4-bedroom, 2-bath home in the heart of St. Cloud’s sought-after Gramercy Farms community. This spacious 2,173 sq. ft. home features an open-concept layout filled with natural light, a modern kitchen with granite countertops, wood cabinetry, a large center island, and upgraded lighting fixtures. The split-bedroom floor plan offers privacy and comfort, with generously sized rooms perfect for families, guests, or home office use. Bathrooms are spacious and updated, and the entire home shows pride of ownership. Step outside to a fully fenced backyard on a 6,970 sq. ft. lot—perfect for entertaining, relaxing, or adding a future pool. Gramercy Fa

$368,000

4 beds2 baths1,707 sq ft

4529 Orchard Grove Rd, Saint Cloud, FL 34772

Large center island • Modern kitchen • Granite countertops

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
Excellent property! 3 bedrooms and 2 bathrooms in a prime location. Close to popular amusement parks, shopping centers, and a variety of restaurants, making it perfect for both relaxing and entertaining. Built in 2018, this home features the latest in design and modern amenities, ensuring comfort and style. A contemporary kitchen and breakfast bar. Enjoy the privacy and convenience of a split floor plan, offering a spacious layout that separates the master suite from the other bedrooms. Don't miss the opportunity to make this wonderful house your home! Schedule a showing today and discover all the incredible features this property offers.

$367,990

3 beds2 baths1,902 sq ft

2813 Mosshire Cir, Saint Cloud, FL 34771

Master suite • Contemporary kitchen • Split floor plan

READY TO BUILD

$367,990

3 beds2.5 baths1,758 sq ft

VALE - UNIT A Plan, Saint Cloud, FL 34771

Garage • Listed 348 days

Listing provided by Zillow

READY TO BUILD

ABOUT THIS HOME
Homes for sale under $400k in St. Cloud, FL
* Open kitchen overlooking great room * Primary bedroom at rear of home for added privacy * Walk-in closet at primary bedroom * Dual-sink vanity at primary bath * Ample kitchen counter space * Stainless steel appliance package * Dedicated laundry room * ENERGY STAR® certified home * Kitchen island * Spacious great room * WaterSense® labeled faucets * Split-bedroom layout * Planned pavilion * Planned tot lot * Planned walking paths * Outdoor recreation nearby * Close to family friendly parks * Commuter-friendly location

$367,990

3 beds2 baths1,921 sq ft

Plan 1921 Plan, Saint Cloud, FL 34771

Spacious great room • Kitchen island • 2 garage spots

Listing provided by Zillow

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

$366,990

2 beds2 baths1,579 sq ft

Ellenwood Plan, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 1855 Spring Shower Cir, Kissimmee, FL 34744, 2 beds, 2 baths

$365,000

2 beds2 baths1,559 sq ft

1855 Spring Shower Cir, Kissimmee, FL 34744

Property at 2922 Fieldwood Cir, Saint Cloud, FL 34772, 3 beds, 2.5 baths

$365,000

3 beds2.5 baths1,884 sq ft

2922 Fieldwood Cir, Saint Cloud, FL 34772

Property at 1749 Fulfillment Dr, Kissimmee, FL 34744, 3 beds, 2.5 baths

$365,000

3 beds2.5 baths1,528 sq ft

1749 Fulfillment Dr, Kissimmee, FL 34744

Property at 8965 Richmond Rd, Saint Cloud, FL 34773, 3 beds, 2 baths

$365,000

3 beds2 baths1,694 sq ft

8965 Richmond Rd, Saint Cloud, FL 34773

Property at 1873 Spring Shower Cir, Kissimmee, FL 34744, 3 beds, 2 baths

$365,000

3 beds2 baths1,559 sq ft

1873 Spring Shower Cir, Kissimmee, FL 34744

Property at 2289 Seven Oaks Dr, Saint Cloud, FL 34772, 4 beds, 2.5 baths

$364,999

4 beds2.5 baths1,615 sq ft

2289 Seven Oaks Dr, Saint Cloud, FL 34772

Property at ALLEX Plan, Saint Cloud, FL 34773, 3 beds, 2 baths

$364,990

3 beds2 baths1,504 sq ft

ALLEX Plan, Saint Cloud, FL 34773

Listing provided by Zillow

Property at 4807 Cross Prairie Pkwy, Saint Cloud, FL 34772, 4 beds, 2.5 baths

$364,900

4 beds2.5 baths2,170 sq ft

4807 Cross Prairie Pkwy, Saint Cloud, FL 34772

Property at 5273 Luisa Ct, Saint Cloud, FL 34771, 4 beds, 2.5 baths

$364,715

4 beds2.5 baths1,860 sq ft

5273 Luisa Ct, Saint Cloud, FL 34771

Property at 5029 Walker St, Saint Cloud, FL 34771, 3 beds, 3 baths

$364,000

3 beds3 baths1,825 sq ft

5029 Walker St, Saint Cloud, FL 34771

Property at Highland Plan, Saint Cloud, FL 34772, 3 beds, 2.5 baths

$364,000

3 beds2.5 baths1,823 sq ft

Highland Plan, Saint Cloud, FL 34772

Listing provided by Zillow

Property at 6494 Horseshoe Lane Way, Harmony, FL 34773, 3 beds, 2.5 baths

$363,490

3 beds2.5 baths1,679 sq ft

6494 Horseshoe Lane Way, Harmony, FL 34773

Property at 570 Brown Bear Way, Saint Cloud, FL 34772, 4 beds, 2 baths

$362,900

4 beds2 baths1,854 sq ft

570 Brown Bear Way, Saint Cloud, FL 34772

Property at 4252 Ranch House Rd, Saint Cloud, FL 34772, 3 beds, 2.5 baths

$362,600

3 beds2.5 baths1,808 sq ft

4252 Ranch House Rd, Saint Cloud, FL 34772

Property at Piper Plan, Cloud, FL 34769, 4 beds, 2.5 baths

$361,990

4 beds2.5 baths2,032 sq ft

Piper Plan, Cloud, FL 34769

Listing provided by Zillow

Property at Windsor Plan, Saint Cloud, FL 34772, 3 beds, 2.5 baths

$361,850

3 beds2.5 baths1,808 sq ft

Windsor Plan, Saint Cloud, FL 34772

Listing provided by Zillow

Property at 4232 Ranch House Rd, Saint Cloud, FL 34772, 3 beds, 2.5 baths

$361,850

3 beds2.5 baths1,808 sq ft

4232 Ranch House Rd, Saint Cloud, FL 34772

Listing provided by Zillow

Property at Plan 1866 Plan, Saint Cloud, FL 34771, 3 beds, 2 baths

$360,990

3 beds2 baths1,866 sq ft

Plan 1866 Plan, Saint Cloud, FL 34771

Listing provided by Zillow

Property at 564 Preston Cove Dr, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$360,990

3 beds2.5 baths1,551 sq ft

564 Preston Cove Dr, Saint Cloud, FL 34771

Property at 4800 Riverwalk Dr, Saint Cloud, FL 34771, 4 beds, 3 baths

$360,630

4 beds3 baths1,928 sq ft

4800 Riverwalk Dr, Saint Cloud, FL 34771

Property at 2106 Congress Ln, Saint Cloud, FL 34769, 3 beds, 2 baths

$360,000

3 beds2 baths1,795 sq ft

2106 Congress Ln, Saint Cloud, FL 34769

Property at 3013 Cherry Blossom Loop, Saint Cloud, FL 34771, 3 beds, 2 baths

$360,000

3 beds2 baths1,584 sq ft

3013 Cherry Blossom Loop, Saint Cloud, FL 34771

Property at Undisclosed address, Saint Cloud, FL 34771, 4 beds, 2 baths

$360,000

4 beds2 baths1,878 sq ft

Undisclosed address, Saint Cloud, FL 34771

Property at 5829 Bovine Dr, Saint Cloud, FL 34771, 3 beds, 2 baths

$360,000

3 beds2 baths1,556 sq ft

5829 Bovine Dr, Saint Cloud, FL 34771

Property at 5392 Spoonflower Ct, Saint Cloud, FL 34771, 2 beds, 2 baths

$360,000

2 beds2 baths1,564 sq ft

5392 Spoonflower Ct, Saint Cloud, FL 34771

Property at 440 Michigan Estates Cir, Saint Cloud, FL 34769, 4 beds, 3 baths

$360,000

4 beds3 baths— sq ft

440 Michigan Estates Cir, Saint Cloud, FL 34769

(954) 709-9997

Property at 5277 Luisa Ct, Saint Cloud, FL 34771, 4 beds, 2.5 baths

$359,999

4 beds2.5 baths1,860 sq ft

5277 Luisa Ct, Saint Cloud, FL 34771

Property at 5289 Luisa Ct, Saint Cloud, FL 34771, 4 beds, 2.5 baths

$359,999

4 beds2.5 baths1,860 sq ft

5289 Luisa Ct, Saint Cloud, FL 34771

Property at 7112 Mottled Duck Dr, Harmony, FL 34773, 3 beds, 2 baths

$359,999

3 beds2 baths1,504 sq ft

7112 Mottled Duck Dr, Harmony, FL 34773

Property at 6937 Five Oaks Dr, Harmony, FL 34773, 4 beds, 2.5 baths

$359,995

4 beds2.5 baths1,960 sq ft

6937 Five Oaks Dr, Harmony, FL 34773

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

$359,990

4 beds2.5 baths1,860 sq ft

Hazel Plan, Saint Cloud, FL 34771

Listing provided by Zillow

Property at Cessna Plan, Saint Cloud, FL 34769, 3 beds, 2.5 baths

$359,990

3 beds2.5 baths2,014 sq ft

Cessna Plan, Saint Cloud, FL 34769

Listing provided by Zillow

Property at Dahlia Plan, Kissimmee, FL 34744, 3 beds, 2.5 baths

$359,990

3 beds2.5 baths1,683 sq ft

Dahlia Plan, Kissimmee, FL 34744

Listing provided by Zillow

Property at 1267 Stockwell Ave, Saint Cloud, FL 34771, 3 beds, 2.5 baths

$359,990

3 beds2.5 baths1,648 sq ft

1267 Stockwell Ave, Saint Cloud, FL 34771

Property at Monterey - End Plan, Saint Cloud, FL 34773, 4 beds, 2 baths

$359,990

4 beds2 baths1,679 sq ft

Monterey - End Plan, Saint Cloud, FL 34773

Listing provided by Zillow

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Based on information submitted to the MLS GRID as of Sat Nov 29 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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