St. Cloud Homes under $400,000

St. Cloud Homes under $400,000

Welcome to St. Cloud, Florida – a charming city nestled in Osceola County that perfectly blends small-town charm with modern conveniences. Known for its friendly atmosphere and picturesque landscapes, St. Cloud is an ideal place for families, retirees, and anyone looking to enjoy the beautiful Florida lifestyle.

St. Cloud boasts a variety of homes under $400,000, making it an attractive option for first-time homebuyers and those seeking affordable housing in a vibrant community. From cozy single-family homes to spacious townhouses, there’s something for everyone. Many of these properties feature modern amenities and are situated in welcoming neighborhoods, providing a sense of belonging that is hard to find elsewhere.

The city is surrounded by lush parks and scenic lakes, offering ample opportunities for outdoor activities such as fishing, boating, and hiking. Residents can enjoy a leisurely stroll along the shores of East Lake Tohopekaliga or spend a sunny afternoon at one of the many local parks, perfect for picnics and family gatherings.

St. Cloud is also conveniently located near major highways, making it easy to access nearby attractions, including the excitement of Orlando and the tranquility of the Kissimmee Prairie Preserve State Park. With a vibrant downtown area filled with charming shops, restaurants, and community events, there’s always something happening in St. Cloud.

If you’re looking for an affordable home in a welcoming community that offers a blend of natural beauty and urban convenience, St. Cloud is the perfect place to call home. Discover your dream property today!

Newest St. Cloud Homes under $400,000

1120 N Illinois Avenue, St Cloud
$279,000
3 Beds ⋅ 3 Baths ⋅ Park Lane Villas SubDv. ⋅ 34769 Zip Code
Beautiful 3 bedroom 2.5 bath/1 car garage townhome in the heart of Saint Cloud! Just blocks from the lakefront and just steps to the St Cloud library and shopping. Master Bedroom is located on the Ground Floor and Plenty of Parking in the back. Very Low HOA!!!! Huge covered Back Porch. HOA includes Lawn Maintenance.

1120 N Illinois Avenue, St Cloud
725 California Avenue, St Cloud
$335,000
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Roof will be replaced before closing! Great opportunity to own an INCOME-PRODUCING property in the heart of St. Cloud. This 3-bedroom, 2-bathroom home offers 1,272 square feet of living space, a garage, and NO HOA. Conveniently located near shopping, dining, parks, and major roadways. Conveniently located near shopping, dining, parks, and major roadways.Whether you're looking for a place to call home or an income-producing property, this home offers plenty of possibilities!

725 California Avenue, St Cloud
822 Kentucky Avenue, St Cloud
$199,900
2 Beds ⋅ 1 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
SMALL-TOWN CHARM NEAR HISTORIC DOWNTOWN ST. CLOUD! Built in 1945 and set on a corner lot with mature trees and NO HOA, this 2-bedroom, 1-bath home puts local shops, cafés, restaurants, and downtown events close to home. The charming screened front porch offers a shaded spot for morning coffee or a quiet evening. Inside, wood flooring adds warmth to the main living area, while the kitchen features white cabinetry and a mosaic tile backsplash. Nearby Lakefront Park on East Lake Tohopekaliga offers paved walking and biking paths, a marina, boat ramp, fishing pier, sand beach, playground, and splash pad. Located just minutes from U.S. 192 for shopping and dining, with access to Florida’s Turnpike for trips to Kissimmee, Orlando International Airport, and Central Florida’s theme parks and attractions. From dinner downtown to an afternoon by the water, this location keeps some of St. Cloud’s favorite destinations within easy reach.

822 Kentucky Avenue, St Cloud
1400 Carolina Ave, St Cloud
$279,900
2 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
CHARMING ST. CLOUD HOME WITH CHARACTER, EXTRA STORAGE & NO HOA! Priced at $279,900, this charming 2-bedroom, 2-bath home in St. Cloud’s desirable State Streets area offers character, functionality, and unique features that make it stand out! Step inside and appreciate the warmth of real wood floors, real wood cabinetry, and built-in storage that add character and practical convenience throughout the home. Enjoy added peace of mind with a newer roof and A/C unit. Outside, the corner lot features a fenced yard, a carport, and a screened-in back porch—an inviting space to relax and enjoy the outdoors. Need extra room for storage, hobbies, or your additional belongings? This property also offers a separate storage room and an outdoor full bathroom, providing added versatility. With 900 square feet of living space and NO HOA, this home offers a variety of appealing features in the heart of St. Cloud. If you’re looking for a property with character, useful extras, and room to make it your own, this one is worth a closer look! Schedule your private showing today!

1400 Carolina Ave, St Cloud
438 Wisconsin Avenue, St Cloud
$324,900
3 Beds ⋅ 1 Baths ⋅ Lake Front Addn Pb B Pg 61/62 Blk 381 Lot 5 Less N SubDv. ⋅ 34769 Zip Code
MID-CENTURY MODERN CHARMER WITH RARE, DETACHED 2 CAR GARAGE/WORKSHOP ON A FANTASTIC, OVERSIZED QUARTER ACRE, CORNER LOT! NO HOA! LOW TAXES! Highly desirable "states street" location meets turnkey perfection! This head-turner shines with curb appeal, a fresh makeover, and updated big-ticket items including a 2020 ROOF, 2019 A/C, and 2018 WATER HEATER. Stunning oak shade trees and tall palms frame the fenced lot boasting two driveways and EXPANSIVE PARKING for your boat, RV, ATV, vehicles, trucks, trailers and work equipment. The massive yard lends room for a trampoline, pool, garden, basketball court, greenhouse, pets, playground, treehouse, or your dream outdoor oasis. Modern cedar posts provide a warm, welcoming front porch to this freshly painted, move in ready, block home. The sun-drenched interior boasts a crisp, neutral palette complemented by brand-new paint, waterproof luxury vinyl plank flooring, new baseboard and updated fixtures and fans. Complete with two-inch blinds, double-pane windows (except in primary), and an updated kitchen, every detail has been handled. Equipped with 42" all-wood cabinetry, the modernized kitchen offers abundant storage, extensive counter space, and a large dedicated pantry. The generously sized primary bedroom is complete with a private entrance and two, affixed wardrobe closets. This flexible space offers incredible footprint potential to design and build your dream second bathroom. Designed with an ideal, split floor plan, the two additional bedrooms are located on the opposite side of the home. Both feature mirrored closets, with one offering direct, convenient access to the bathroom. Off the kitchen, a hallway leads past the functional laundry/utility room out to a covered breezeway patio, perfect for entertaining or relaxing. This outdoor transition seamlessly connects the main home to a spectacular, oversized garage and workshop with electric—a versatile structure offering incredible potential for storage, a future in-law suite, guest house, or ultimate hobby space. This gem is situated only 3 minutes to Lakefront Park, Lake Toho, waterfront dining, a splash pad, playground, volleyball, sand beach, marina, boat/kayak/jet ski launch, boat slips, fishing pier, riverboat cruises, pavilions, barbecues, scenic sunsets and over 2 miles of bike path and more! Wisconsin Ave. grants EASY ACCESS to local recreation as well as a bustling downtown rich with dining, shopping, theater, nightlife, monthly markets and festivities. Living in the heart of St. Cloud, you'll find a quick drive to doctors, hospitals, major highways, Lake Nona Medical City, Orlando International Airport, beaches and Central Florida attractions as well. This small-town home is perfectly positioned to give you the best of the area right at your doorstep! Don't miss out on this unbeatable location and unmatched opportunity! Measurements are approximate, please independently verify.

438 Wisconsin Avenue, St Cloud
1423 Massachusetts Avenue, St Cloud
$290,000
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Welcome to 1423 Massachusetts Ave, St. Claud, Fl, 34769! This 3 bedroom, 2 bathroom, remodeled property features a fresh, modern interior with a beautifully updated kitchen, sleek cabinetry, stainless steel appliances, and stylish finishes. The home offers bright, inviting living spaces, fresh paint, and updated flooring throughout. The renovated kitchen provides a clean, contemporary look, while the updated interior creates a move-in-ready feel. Outside, enjoy a spacious yard and a covered area offering additional outdoor potential. Conveniently located in St. Cloud, this property is a great opportunity for buyers seeking a fully remodeled home with modern touches. Don’t miss your chance to own this beautiful updated property!

1423 Massachusetts Avenue, St Cloud
610 Massachusetts Avenue, St Cloud
$215,000
2 Beds ⋅ 1 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Quiet 2 bedroom 1 bath home available within the heart of the popular state streets area of St. Cloud, just a few blocks away from the lakefront and a few blocks away from Downtown St. Cloud. With a two year old roof, 3 window units for cooling and cinder block construction, this home is sturdy and has very little overhead. Yes, it has a very small kitchen and bathroom, but the house is sunny, quiet, and one of the most affordable single family homes in the area. Please note that if you are coming to view the home, the lot is set BEHIND 608 Massachusetts Ave, hence the quietness of the location. We have currently chained off the driveway, but the home is accessible by vehicle- we just ask that you park on Massachusetts Ave and walk up the driveway at this time.

610 Massachusetts Avenue, St Cloud
90 12th Street, St Cloud
$265,999
2 Beds ⋅ 1 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
BACK ON THE MARKET! GREAT OPPORTUNITY IN ST. CLOUD, FLORIDA! Don’t miss this opportunity! This 2-bedroom, 1-bathroom home is conveniently located in St. Cloud, Florida, just one block from US-192, providing easy access to major roads, shopping centers, restaurants, and nearby amenities. The functional floor plan features a comfortable living room, dining area, and bedrooms thoughtfully arranged to provide comfort and privacy. This property offers plenty of possibilities to customize the space to fit your needs and lifestyle. ENJOY YOUR OWN OUTDOOR SPACE! One of the property’s highlights is its fully fenced backyard, surrounded by mature trees and natural greenery, creating an inviting outdoor setting perfect for relaxing, entertaining, or spending quality time with family. The outdoor space offers excellent potential for landscaping, gardening, or creating your own private retreat. PRIME LOCATION! Ideally situated just one block from US-192 and close to shopping, dining, and major roadways, this property presents an attractive opportunity for both first-time homebuyers looking to purchase their first home and investors seeking opportunities in Central Florida’s real estate market. INVESTMENT OPPORTUNITY! SOLD AS-IS! The property is being sold AS-IS, giving the next owner the opportunity to make improvements, personalize the living spaces, and maximize its potential. Whether you’re looking for your first home, a long-term rental investment, or a renovation and resale project, this property offers a combination of location, functionality, and possibilities. Make your next real estate project a reality in St. Cloud! A property with potential, a convenient location, and plenty of opportunities for its next owner!

90 12th Street, St Cloud
1502 Indiana Avenue, St Cloud
$272,500
3 Beds ⋅ 1 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
This beautiful bungalow style home is situated on a large corner lot in the historic district of St. Cloud. No HOA! Upon entering the home into the living room you immediately capture the entire bungalow experience laid out with new Victorian Ash LVP floors. The kitchen & living room is separated by a breakfast bar for easy dining or conversation. Beyond the kitchen is an open area suitable for dining or casual space for relaxation. The back door leads out to the yard featuring a concrete walkway connected to the 288-sf detached building that offers endless possibilities for use and currently consists of electric, A/C, ceiling fan & some cabinets. A Gym, workshop, playhouse, Man Cave or simply extra storage would be a great use of this space. New Roof 2017, New HWH 2018 & New AC 2020. The spacious yard is perfect for gathering with family and friends or just play and enjoy the outdoors. This home is a must see!

1502 Indiana Avenue, St Cloud
438 Virginia Avenue, St Cloud
$339,000
2 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Discover the perfect blend of timeless charm and modern luxury in this beautifully renovated St. Cloud home! Ideally situated on a spacious .26-acre corner lot with NO HOA, this inviting property offers stylish updates, flexible living spaces, and an unbeatable location just a short walk from downtown shopping, dining, and the St. Cloud Lakefront. Step inside to a light-filled, open-concept floor plan designed to maximize space, comfort, and functionality. The stunning kitchen is a true showstopper, featuring elegant quartz countertops, sleek white cabinetry, stainless steel appliances, a BRAND NEW induction cooktop with convection oven, and a NEW dishwasher with a stainless steel interior. The spacious primary suite offers a relaxing retreat with a private en-suite bathroom and double vanity. An additional bedroom, a versatile bonus room ideal for a potential third bedroom, and a separate office provide endless possibilities for guests, hobbies, working from home, or fitness. Enjoy added peace of mind with a BRAND NEW ROOF installed this spring, including new fascia, gutters, soffit, and downspouts. The HVAC system was also upgraded this year with all-new components, motor, and coils, while spray foam attic insulation helps improve energy efficiency and year-round comfort. Outside, the expansive, tree-shaded yard is perfect for entertaining, relaxing, or enjoying the Florida lifestyle. The property also features a patio, detached garage with additional storage, and a carport, offering plenty of room for vehicles, recreational equipment, and all your extras. Conveniently located near shopping, dining, local attractions, Medical City in Lake Nona, and the Spacecoast's beautiful beaches, this MOVE-IN READY gem combines character, thoughtful upgrades, and exceptional flexibility in one desirable package. No HOA, a generous lot, and modern improvements make this St. Cloud home a must-see! Schedule your private showing today! *Home is occupied, unfurnished photos are prior to the seller decorating and moving in.*

438 Virginia Avenue, St Cloud
1400 Florida Avenue, St Cloud
$350,000
4 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Town Of SubDv. ⋅ 34769 Zip Code
Virtually Staged. CORNER OF FLORIDA AVE AND 14TH!! NEIGHBORHOOD COMMERCIAL FUTURE LAND USE!!! ONE BLOCK FROM 13TH!! Near the downtown festivities, shops, and fun. A local coffee & donut shop is only 1+ block away, Italian restaurant within 2+ blocks away, & a peaceful Veterans Park is within view. A 100-year old LEGEND!! An Aladdin home, possibly the Plymouth model.....On a quarter-acre lot......75x140 AND ALLEY ACCESS. SO MUCH original charm & character from 1925. Great commercial potential.....where are my businesses looking for a historic piece of St. Cloud.....I envision a possible café, quaint salon, boutique, and more! Of course as it sits now, it's an adorable residence with a POOL!! Over $2,000 was recently spent revitalizing its equipment. NEW ROOF IN 2020, remodeled baths yet the original cast iron tub exists, chair-rail and wainscoting, classy wallpaper with a timeless captivation.........full kitchen with freshly painted cabinets & newer backsplash. Stove is supplied by propane and there are 2 addtl. closets for storage. The original wood-burning FIREPLACE with the original candle sconces adorn the living room. There are FOUR ENTRANCES TO THE HOME......front, 2 sides, & the rear. The yard is fenced-in and has beautiful shade trees. The pool is HUGE and offers many summer days of fun.....being a corner lot, pulling into the backyard would be convenient. Home was re-piped and some of the electrical over the years has been upgraded. A lot of love has been poured into this beauty during its lifetime, and you will absolutely see that when walking through. From the original staircase & railing, to the original trim & layout.......this home was built to last and brings such history to our town today. It's a gem for sure & its next owner will be LUCKY!! Termite Bond may be transferred and was with Orkin.

1400 Florida Avenue, St Cloud
405 Columbia Avenue, St Cloud
$379,900
3 Beds ⋅ 2 Baths ⋅ St Cloud 2nd Plat Town Of SubDv. ⋅ 34769 Zip Code
Virtually Staged. Charming "Home Sweet Home" Built by Snow Construction , With Screened In-groud Pool with new pump & filter 3 years ago for those amazing family and friends gatherings. Newer Roof 2024. Newer windows 2014. New A/C 2023. Kitchen and bathrooms Completely Updated with top Quality!! Living room features custom skylight, lots of natural lighting. Kitchen features Kenico water softener, Granite countertops, 42" custom cabinets with crown molding, pullout drawers with soft close, Large single sink, stainless steel Double oven, Microwave, Refrigerator, and Range, Newer porcelian tile flooring, Skylight for natural lighting, Pantry with custom wood slide out shelves, Ceiling fan and light. Dining room features large built-in with pullout drawers, glass insert cabinets and under counter lights, lots of storage. French doors lead to the pool for your morning coffee and entertaining in your private fully fenced in back yard with landscaping, Shed and large screened in deck and in-ground pool. Primary Bedroom with french doors to your outside Oasis. Ensuite primary bathroom with new custom tiled shower and granite countertops. Second bathroom features vanity cabinet and vanity with sink. Home is located walking distance from lakeshore, shops and resturants. Call today!

405 Columbia Avenue, St Cloud
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