St. Cloud Homes for Sale Under $400K
Homes, condos and townhomes listed at $400,000 or less.
- For sale now
- 462
- Median list price
- $349K
- Median $ / sq ft
- $207
- Median days listed
- 73
Newest 24 of 462 homes under $400k in St. Cloud
$275,000
4410 Capital Blvd
St Cloud, FL 34769
3 bd · 3 ba · 1,876 sqft
Anthem Park Ph 2
MLS ID #O6432711, COLDWELL BANKER REALTY.
Listing provided by Stellar MLS
$375,000
1901 10th St
St Cloud, FL 34769
2 bd · 2 ba · 1,698 sqft
St Cloud 2nd Town Of
MLS ID #O6448102, THE WILKINS WAY LLC.
Listing provided by Stellar MLS
$279,000
3420 Home Town Ln
St Cloud, FL 34769
3 bd · 3 ba · 1,926 sqft
Town Center Villas
MLS ID #S5155546, FLORIDA PINES REALTY, LLC.
Listing provided by Stellar MLS
$375,000
5154 Tana Ter
St Cloud, FL 34772
4 bd · 2 ba · 1,828 sqft
Buena Lago Ph 1 & 2
MLS ID #S5159586, FLORIDA LAKES REALTY.
Listing provided by Stellar MLS
$382,900
7587 Bent Tree Loop
St Cloud, FL 34773
4 bd · 3 ba · 2,202 sqft
Harmony Central Ph2
MLS ID #O6414400, ADAMS HOMES REALTY, INC..
Listing provided by Stellar MLS
$387,900
7702 Bent Tree Loop
St Cloud, FL 34773
4 bd · 3 ba · 2,200 sqft
Harmony Central Ph 2
MLS ID #O6450775, ADAMS HOMES REALTY, INC..
Listing provided by Stellar MLS
$362,900
7612 Bent Tree Loop
St Cloud, FL 34773
4 bd · 2 ba · 1,820 sqft
Harmony Central Ph 2
MLS ID #O6404629, ADAMS HOMES REALTY, INC..
Listing provided by Stellar MLS
$387,900
3645 Briarlynne Way
St Cloud, FL 34773
4 bd · 3 ba · 2,335 sqft
Harmony Central Ph 2
MLS ID #O6389897, ADAMS HOMES REALTY, INC..
Listing provided by Stellar MLS
$355,000
7606 Bent Tree Loop
St Cloud, FL 34773
3 bd · 2 ba · 1,780 sqft
Harmony Central Ph 2
MLS ID #O6404400, ADAMS HOMES REALTY, INC..
Listing provided by Stellar MLS
$379,500
3113 Songbird Cir
St Cloud, FL 34773
3 bd · 2 ba · 1,876 sqft
Harmony Nbrhd J
MLS ID #O6448223, RESORT REALTY GROUP LTD INC.
Listing provided by Stellar MLS
$285,000
1604 Hawksbill Ln
St Cloud, FL 34771
3 bd · 3 ba · 1,695 sqft
Turtle Creek Ph 1a
MLS ID #O6456841, LPT REALTY, LLC.
Listing provided by Stellar MLS
$380,000
2457 Dream Home Ct
St Cloud, FL 34772
2 bd · 2 ba · 1,346 sqft
Twin Lakes Ph 1
MLS ID #S5158573, WEICHERT REALTORS HALLMARK PRO.
Listing provided by Stellar MLS
$259,000
3595 Clay Brick Rd #3595
St Cloud, FL 34773
3 bd · 3 ba · 1,855 sqft
Ashley Park At Harmony Condo
MLS ID #O6455152, LIV REALTY II INC..
Listing provided by Stellar MLS
$289,990
410 Ohio Ave
St Cloud, FL 34769
2 bd · 1 ba · 882 sqft
St Cloud 2nd Town Of
MLS ID #S5161160, MY REALTY GROUP, LLC..
Listing provided by Stellar MLS
$389,900
2382 Sweetwater Blvd
St Cloud, FL 34772
3 bd · 2 ba · 1,798 sqft
Sweetwater Creek Unit 2
MLS ID #TB8566844, OFFERPAD BROKERAGE FL, LLC.
Listing provided by Stellar MLS
$379,249
4590 Forge Rd
St Cloud, FL 34772
4 bd · 5 ba · 1,901 sqft
Waterlin 45'S
MLS ID #O6457042, LENNAR REALTY.
Listing provided by Stellar MLS
$350,000
1825 E 10th St
St Cloud, FL 34771
3 bd · 2 ba · 1,075 sqft
Sugar Belt Oaks Unit 2
MLS ID #S5161127, WEICHERT REALTORS HALLMARK PRO.
Listing provided by Stellar MLS
$265,000
718 Alabama Ave
St Cloud, FL 34769
3 bd · 1 ba · 1,256 sqft
St Cloud 2nd Town Of
MLS ID #O6423273, OPENDOOR BROKERAGE LLC.
Listing provided by Stellar MLS
$295,000
4775 Oakwood Dr
St Cloud, FL 34772
3 bd · 2 ba · 1,176 sqft
St Cloud Manor Village
MLS ID #S5161045, DALTON WADE INC.
Listing provided by Stellar MLS
$329,900
725 California Ave
St Cloud, FL 34769
3 bd · 2 ba · 1,272 sqft
St Cloud 2nd Town Of
MLS ID #S5160485, LA ROSA REALTY ORLANDO LLC.
Listing provided by Stellar MLS
$381,900
7708 Bent Tree Loop
St Cloud, FL 34773
3 bd · 2 ba · 1,780 sqft
Harmony Central Ph 2
MLS ID #O6450742, ADAMS HOMES REALTY, INC..
Listing provided by Stellar MLS
$329,000
11 Minnesota Ave
St Cloud, FL 34769
3 bd · 3 ba · 1,795 sqft
Lake Front Add To Town Of St Cloud
MLS ID #O6442289, COMPASS FLORIDA LLC.
Listing provided by Stellar MLS
$361,900
7642 Bent Tree Loop
St Cloud, FL 34773
3 bd · 2 ba · 1,780 sqft
Harmony Central Ph 2
MLS ID #O6418564, ADAMS HOMES REALTY, INC.
Listing provided by Stellar MLS
$362,900
7648 Bent Tree Loop
St Cloud, FL 34771
4 bd · 2 ba · 1,820 sqft
Harmony Central Ph 2 Pb 35 Pgs 139-144 Blk P Lot 8
MLS ID #O6416153, ADAMS HOMES REALTY, INC.
Listing provided by Stellar MLS
Search all St. Cloud listings on the map →
St. Cloud homes under $400k by price
- Under $300K123
- $300K–$500K339
Neighborhoods with the most homes under $400k for sale
- St Cloud 2nd Town Of29 listed
- Harmony Central16 listed
- Gramercy Farms16 listed
- Buena Lago12 listed
- Harmony West11 listed
- Northwest Lakeside Groves10 listed
- Old Hickory9 listed
- Southern Pines8 listed
- Esprit8 listed
- Twin Lakes7 listed
St. Cloud homes under $400k: quick answers
How many homes under $400k are for sale in St. Cloud?+
462 homes under $400k are listed for sale in St. Cloud, FL right now, 21 of them new in the last 7 days. Homes, condos and townhomes listed at $400,000 or less.
What do homes under $400k cost in St. Cloud?+
The median list price is $349K (about $207 per square foot), with listings from $115K to $400K.
How long do homes under $400k in St. Cloud stay on the market?+
The listings for sale now have been on the market a median of 73 days.
Which St. Cloud neighborhoods have the most homes under $400k for sale?+
St Cloud 2nd Town Of (29), Harmony Central (16), Gramercy Farms (16), Buena Lago (12), Harmony West (11).
More St. Cloud homes for sale
Homes Under $400K in other cities
Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of November 13, 2026 at 12:14 PM ET. 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.
All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.
Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA