St Cloud (Narcoossee Road) Homes with Lake Front Water Frontage

St Cloud (Narcoossee Road) Homes with Lake Front Water Frontage

Welcome to St. Cloud, a hidden gem nestled in the heart of Osceola County, Florida. Known for its picturesque landscapes and vibrant community, St. Cloud offers an idyllic lifestyle for those seeking a blend of urban convenience and natural beauty. Located along Narcoossee Road, this charming city is perfectly positioned for easy access to Orlando's attractions while maintaining a serene, small-town atmosphere.

One of the standout features of St. Cloud is its stunning lakefront properties. Imagine waking up to the gentle lapping of water against the shore, with panoramic views of the shimmering lakes that dot the landscape. Homes with lakefront frontage in this area provide not only a tranquil retreat but also an opportunity for a variety of water activities—think kayaking, fishing, or simply enjoying a sunset from your private dock.

The real estate market in St. Cloud offers a diverse range of homes, from cozy single-family residences to luxurious estates, all designed to cater to different lifestyles and budgets. Many of these homes boast modern amenities while still capturing the charm and character that St. Cloud is known for. The sense of community is palpable, with friendly neighbors and local events that bring everyone together.

Whether you're looking for a permanent residence or a vacation getaway, St. Cloud's lakefront homes promise a serene lifestyle surrounded by natural beauty. Explore the possibilities and discover the perfect place to call home in this enchanting Florida city!

Newest St Cloud (Narcoossee Road) Homes with Lake Front Water Frontage

$369,999
3 Beds ⋅ 2 Baths ⋅ Canoe Creek Woods Unit 11 SubDv. ⋅ 34772 Zip Code
Welcome to this beautifully fully remodeled pool home tucked away on a quiet cul-de-sac in the highly desirable Canoe Creek Woods community of St. Cloud! Surrounded by mature landscaping and positioned next to a peaceful conservation area, this home offers the perfect combination of privacy, comfort, and convenient Central Florida living. Inside, you’ll find a thoughtfully designed split floor plan with updated finishes throughout, creating a bright, fresh, move-in-ready feel. The layout provides excellent separation between the primary suite and secondary bedrooms while still offering plenty of open space for everyday living and entertaining. Step outside and you’ll immediately see what makes this property special. A huge screened enclosure surrounds the private swimming pool and an expansive covered patio area, creating an incredible indoor-outdoor living space with plenty of room for lounging, entertaining, grilling, or simply enjoying Florida’s beautiful weather. With conservation nearby and the home situated on a cul-de-sac, the backyard feels private and peaceful. Canoe Creek Woods is one of St. Cloud’s established residential neighborhoods, offering a quiet setting while keeping you close to everything. Enjoy convenient access to shopping, dining, schools, Downtown St. Cloud, the Lakefront, major roadways, and the growing Lake Nona/Medical City area, with Orlando’s attractions and employment centers within easy reach. Fully remodeled, private pool, oversized screened lanai, split floor plan, cul-de-sac location, and conservation nearby—this is the Florida lifestyle you’ve been looking for. Schedule your private showing today!

1620 Christa Court, St Cloud
$369,980
4 Beds ⋅ 2 Baths ⋅ Southern Pines Ph 4 SubDv. ⋅ 34772 Zip Code
** Virtually Staged ** Nearly New with Premium Pond-View Residence in Sought-After St. Cloud Community — No CDD Fees Experience the ideal balance of contemporary luxury and peaceful living in this exceptional four-year-old home. Virtually new yet offered at a significant advantage over current new-construction pricing, this residence is situated in one of St. Cloud’s most desirable neighborhoods and features striking premium pond views that foster a sense of calm and privacy. An inviting open-concept floor plan seamlessly connects the gathering room, dining area, and gourmet kitchen, creating an expansive atmosphere well suited to both entertaining and everyday living. The kitchen is appointed with a substantial center island, stainless-steel appliances, elegant granite countertops, and generous workspace for culinary pursuits. Recent updates ensure move-in readiness, including brand-new carpeting in all bedrooms and fresh interior paint throughout. Durable tile flooring extends through the foyer, great room, kitchen, and wet areas, combining practicality with timeless appeal. The thoughtfully designed layout provides four spacious bedrooms and two full bathrooms. The private primary suite, positioned at the rear of the home, overlooks the tranquil pond and includes an en-suite bath with dual-sink vanity, walk-in closet, and luxurious shower. Three additional bedrooms near the foyer offer flexibility for family, guests, or a home office. Outdoor living is enhanced by a covered lanai, ideal for enjoying morning coffee or evening gatherings while taking in the picturesque pond vistas. Structural upgrades, including the lanai, complement the refined finishes of the Canvas Signature Collection – Overture, characterized by its modern aesthetic of crisp whites and deep grays. This rare opportunity to acquire a nearly new home in a prime St. Cloud location places you near parks, lakes, and the many amenities of Central Florida—without the burden of CDD fees. Contact us today to schedule your private tour—your dream home with pond-view tranquility awaits!

486 Pine Tree Bridge Trail, St Cloud
$569,900
3 Beds ⋅ 3 Baths ⋅ Twin Lakes Ph 2c SubDv. ⋅ 34772 Zip Code
Meticulously Kept, barely lived in Marco Model-3-bedroom, 3-bathroom open & spacious, situated on a corner lot with serene water view, located in the well sought after Del Webb Twin Lakes Active lifestyle 55+ community. As you enter into the oversized front porch, perfect for relaxing. Inside thru the foyer a secondary primary bedroom with a private en-suite bath offers an ideal guest or in-law suite. Adjacent to this is a bonus/flex space, along with a third bedroom, providing versatility to fit your needs. The heart of the home is the great room, where the gourmet kitchen shines with 42" cabinets, Custom Pendant Lights, stainless steel appliances, a built-in oven, microwave, premium cooktop hood, and a natural gas cooktop with 5 burners. A butler’s pantry with shelving makes for a perfect wine or coffee station. Domestic suit with upper cabinets for extra storage. The living & dining room with cam lights, kitchen areas seamlessly flow together, enhanced by abundant natural light. Primary bedroom features tray and light. Walk-in closet with shelves. Step outside from the large sliding glass doors that tuck away to a screen-enclosed Lanai, paradise Outdoor kitchen, Palm Trees privacy and outdoor enjoyment of serene water view. Garage features extra storage in the front of the garage. Amenities include a Resort style pool and Lap Pool, and 3rd pool on the carriage house side, 20,000 square foot Gorgeous Clubhouse, Lots of Activities celebrated in this gorgeous facility, State of the art Fitness Center, Flex room, Tennis Courts, Putting Green, Walking Trails, Pickle Ball Court, Fishing, and Pontoon Boats and Jon boat to use on Live Oak Lake! The community has many active and socializing activities to keep you VERY busy!! Located Central FL close to Lake Nona Medical City, Orlando Intern. Airport, Theme Park, & Beaches. This home is truly must-see!

2699 Midsweet Avenue, St Cloud
$375,000
3 Beds ⋅ 2 Baths ⋅ Gramercy Farms Ph 1 SubDv. ⋅ 34772 Zip Code
This home is PRICED TO SELL! Low HOA community with a NEW 2026 ROOF for long-term peace of mind. The open-plan layout connects the living, dining, and kitchen areas, creating a comfortable space for everyday living and entertaining. The split-bedroom floor plan provides added privacy, with the main bedroom and other bedrooms thoughtfully separated. The spacious primary suite offers a relaxing retreat with a large walk-in closet, and the Master bath has both a stall shower and tub with dual sinks at the vanity. Plus, it has a versatile flex space ideal for a home office, playroom, game room, or second dining area. The two other bedrooms are located at the entrance and separated by a closet and a bathroom with a bathtub. The laundry area is also conveniently located close to the guest bedrooms. The kitchen serves as the heart of the home with solid surface countertops, an island with bar seating, and a convenient corner walk-in pantry. Step outside to a private paved backyard and enjoy added privacy with no rear neighbors, as the property backs up to a serene pond view, perfect for enjoying your coffee or outside barbecue on the screened-in porch in front of the calming waters, palm trees, and garden area. Located in a quiet community that features a dog park, playground, basketball court, and pavilion with picnic tables. Short drive to all the conveniences on US-192, including shopping, restaurants, and entertainment. Easy commute to Lake Nona area. Convenient to Florida Turnpike, US-192, and Narcoossee Road. Truly move-in ready and easy to love

4602 Harvest Row Lane, St Cloud
$585,000
5 Beds ⋅ 4 Baths ⋅ Hanover Lakes Ph 4 SubDv. ⋅ 34772 Zip Code
Welcome home! This waterfront property boasts 5 bedrooms and 3.5 bathrooms - the perfect large family or multigenerational home - with direct connection to the Alligator Chain of Lakes through the community boat lift for a luxurious lakefront lifestyle that places relaxing, boating, and fishing fun right at your doorstep. Modern finishes, smart home features, and a prime location on a quiet dead-end street position it as an ideal retreat for those seeking the lakefront lifestyle. The open family room and chef's kitchen anchor the home's interior, with a large island, breakfast bar seating, quartz waterfall countertop, stainless steel appliances, self-cleaning double wall oven, farm sink, pantry closet, and 42-inch upper cabinets providing serious cooking capabilities for all occasions, with a quaint canal view. Smart features add a layer of 21st-century functionality to this home, with the garage door, thermostats, Eufy security system, and double wall oven being Wi-Fi connected and controllable whether you are home or away. Although these seem like small things, the little things make such a difference when life never seems to slow down. The app for the oven is the seller’s personal favorite because you can set the temperature ahead of time, so it is ready as soon as you walk in. The features don’t stop there. Recessed lighting illuminates the main areas, where cohesive and durable tile creates visual continuity from the entry foyer to the family room. The cohesiveness continues throughout the home, with all bedrooms featuring plush carpet, offering warmth and comfort in the private quarters, while all bathrooms include matching quartz countertops that perfectly complement the kitchen. Whether it is a morning coffee, a lazy Sunday, or quality time, the relaxing canal view can be enjoyed from the screened patio, family room, or even your bed in the primary suite. Air-conditioned storage is another plus of this home, with several large closets throughout, including some that are hidden away. Beyond the property itself, the community of Hanover Lakes features an array of thoughtful amenities. First off, there is a community boat ramp and lift to the Alligator Chain of Lakes, making the need for a private dock optional. Secondly, there is a community pool with a small waterpark that has two slides, a covered patio with plenty of tables and chairs, a shaded playground, and a multipurpose field adjacent to the pool, perfect for all kinds of fun under the sun. The pool, playground, and patio sit behind a security gate that can be opened via an app, keeping the area secure and making it the perfect setting for the whole family to enjoy. Next to the boat lift, there is also a covered fishing dock that provides both a relaxing place to fish and view the calming waters of Alligator Lake. For daily needs, Publix and Winn-Dixie are minutes away, while Royal St. Cloud Golf Links is just around the corner for golf enthusiasts. Lakefront Park is also nearby with waterfront dining and outdoor recreation, including a beach area, walking/riding trails, splash pad, playground, and a public boat ramp providing access to additional boating, fishing, and water recreation on the East Lake Toho Chain of Lakes. St. Cloud Medical Center is conveniently located for medical needs, and proximity to the FL Turnpike ensures smooth regional connectivity. Do not miss your chance to experience this waterfront lifestyle firsthand. Schedule your private showing today!

5012 Bessie Court, St Cloud
$579,900
4 Beds ⋅ 4 Baths ⋅ Twin Lakes Ph 2a-2b SubDv. ⋅ 34772 Zip Code
Beautiful Turnkey ready 4-bedroom, 4-bathroom home in the highly sought after Del Webb Twin Lakes 55+ Active lifestyle community. The Marco 2 is a two-story beautiful home with a versatile floor plan. When you step inside, you will be greeted with 10-foot ceilings and upgraded ceramic tile throughout the home. As you enter the kitchen you will be greeted with an upgraded kitchen with stainless steel appliances, convection oven, gas stove, 42" upgraded cabinets, quartz countertops, glass tile backsplash, walk-in pantry and a 10-foot island with upgraded pendant lights that easily seats 6. The Living Room/Dining Room combo has upgraded light fixtures and recess lighting. The sliding glass doors that lead out to the screened porch, open all the way for the ultimate indoor/outdoor Florida living. Out on the screened porch you can sit and enjoy the view of the pond in the back while drinking your morning coffee. The master bedroom has a large walk-in shower with glass doors and a large walk-in closet with a newly installed closet organizing system. There are two more bedrooms on the first floor. Bedroom 2 includes a full bath and a walk-in closet. The 3rd full bath is in the hallway to also be used as a guest bathroom. Bedroom 3 is just down the hall with a nice size closet. Off Bedroom 3 you'll find the office area that is already piped for water if you would like to add a wet bar. The stairs lead up to the second floor where you will find the 4th bedroom and 4th bathroom. This flexible room is currently being used as the owner's media room and office. Amenities include a resort style pool and lap pool, 20,000 square foot Clubhouse, fitness center, tennis courts, putting green, walking trails, pickle ball court, fishing and pontoon boats to use on Live Oak Lake. The community has many active and socializing activities for residents to connect with each other. This versatile home could be a wonderful space for multiple family members or friends who wish to live together. Close to Lake Nona Medical City, Orlando International airport, Theme parks, beaches and downtown Orlando. Call today for your private tour!

2709 Greenlands Street, St Cloud
$1,050,000
5 Beds ⋅ 4 Baths ⋅ S L & I C SubDv. ⋅ 34772 Zip Code
A ONE OF A KIND CUSTOM ESTATE, BUILT LIKE NO OTHER. Sitting on 2.72 PRIVATE ACRES w/ NO HOA, this custom Colonial was built by a now retired developer for HIS OWN FAMILY, exceeding many modern building codes w/ a level of craftsmanship you simply cannot find anymore. MASSIVE Doric columns & timeless Chicago Brick create a BREATHTAKING entrance. Step inside to a 2 STORY FOYER w/ a radius staircase, SOLID walnut, oak, & mahogany trim, CUSTOM crown molding throughout, pocket sliding doors, 2 fireplaces, granite & marble counters, & IMMENSE closets. The main home offers 4 beds/3.5 baths, w/ all bdrms & laundry (w/ sink) upstairs, plus a private office/den w/ its own fireplace. Outside, enjoy a covered lanai w/ summer kitchen overlooking a screened pool & spa. BRAND NEW SINCE LAST ON MARKET... a stunning IN LAW SUITE w/ its own private entrance, private pool access, walk in closet, full bath, & kitchenette, bringing this home to 5 BEDROOMS TOTAL. Peace of mind included... ROOF & AC BOTH UPDATED/NEW IN 2022, keeping major systems young. Fully TILED garage. Washer, dryer, fixed cameras, in law suite fridge & microwave, ALL STAY w/ the home, plus a private well already equipped w/ water filtration. Homes of this caliber and character do not come around twice. Schedule your showing today.

4657 Hickory Tree Road, St Cloud
$529,900
3 Beds ⋅ 3 Baths ⋅ Twin Lakes Ph 2a-2b SubDv. ⋅ 34772 Zip Code
NEW 4-TON A/C | WHOLE-HOUSE GENERAC GENERATOR | WATER SOFTENER SYSTEM | FRESH EXTERIOR PAINT | PREMIUM 70-FOOT LOT Why wait to build when this exceptional Marco model is already loaded with tens of thousands of dollars in upgrades? Situated on a premium 70-foot lot in the highly sought-after Twin Lakes by Del Webb, this move-in-ready home offers 3 bedrooms, including 2 private primary suites, 3 full bathrooms, and a dedicated office/flex room. Designed for both comfort and entertaining, the open-concept floor plan features soaring ceilings, 8-foot doors, abundant natural light, designer lighting, and upgraded quartz countertops throughout. The gourmet Bistro kitchen boasts white cabinetry with crown molding, a gas cooktop, upgraded stainless steel appliances, newer refrigerator, oversized island with seating for six, and a spacious pantry. The primary suite offers a relaxing retreat with a sitting area, large walk-in closet, and an updated bath featuring a new frameless glass shower enclosure. Additional upgrades include a new high-efficiency 4-ton A/C system, whole-house Generac generator, water softener system, fresh interior and exterior paint, ultra-quiet garage door opener, plantation shutters throughout, widened paver driveway, expansive screened lanai with extended paver patio, tankless gas water heater, professional landscaping with fresh mulch, and a spacious laundry room with cabinetry and utility sink. The low HOA includes lawn care, shrub maintenance, mulch, sod, and irrigation. Residents enjoy resort-style amenities including a beach-entry pool, lap pool, hot tub, 20,000-square-foot clubhouse, 24-hour fitness center with sauna, coffee bar, craft room, chef's kitchen, tennis, pickleball, putting green, walking trails, fishing, and resident-use pontoon and Jon boats. Exciting community enhancements are underway, including additional pickleball courts (expanding to seven total), a pool bar and plaza, event lawn and stage, food truck area, bocce ball, and cornhole. Conveniently located near Lake Nona Medical City, Orlando International Airport, world-famous attractions, beaches, and the Space Coast, this beautifully upgraded home is one of the best values currently available in Twin Lakes. Schedule your private showing today.

2606 Meadowedge Loop, St Cloud
$460,000
3 Beds ⋅ 3 Baths ⋅ Twin Lakes Ph 2a-2b SubDv. ⋅ 34772 Zip Code
Virtually Staged. Why wait to build when you can own the lowest-priced "Cocoa" floor plan in one of Central Florida's premier 55+ active adult communities! This beautifully upgraded home is move-in ready and offers BRAND NEW PLANK CERAMIC TILE and UPGRADED LIGHTING. From the moment you arrive, you'll appreciate the lush tropical landscaping, paver drive and walkway, a welcoming covered front porch, and desirable PREMIUM CORNER LOT enhanced by a decorative wrought-iron fence. An elegant entry with tray ceiling, soaring 10-foot ceilings, warm designer colors, and natural wood-look plank tile flooring create a beautiful backdrop that flows throughout the entire home. The thoughtfully designed floor plan begins with two spacious guest bedrooms and a shared full bath. As you continue, you'll find a powder room for guests, while a versatile flex room provides the perfect space for a home office, reading room, hobby area, or additional storage. The heart of the home is truly spectacular. Designed for both everyday living and entertaining, the chef's kitchen showcases 42-inch cabinetry with crown molding and hardware, an abundance of granite countertop space, stainless steel appliances, a natural gas cooktop with a stylish vent hood, built-in oven and microwave. An oversized pantry, a spacious laundry room with storage cabinets is conveniently located just off the kitchen and leads to the garage, complete with epoxy flooring. A large curved island with elegant pendant fixtures provide generous seating, making it the perfect gathering place for casual meals, conversations, and entertaining family and friends. The incredible open-concept kitchen flows effortlessly into the dining and living areas, featuring recessed lighting, and an entertainment niche creates an inviting space where everyone can stay connected. Privately tucked away, the spacious primary suite offers a beautiful tray ceiling, abundant windows that fill the room with natural light, and a peaceful atmosphere designed for relaxation. The luxurious ensuite bath feels like your own private spa, complete with an extended comfort-height granite vanity, an oversized walk-in shower featuring frameless glass, upgraded shower tile, multiple shower heads, built-in bench, shampoo niche, linen closet, private water closet, and an expansive walk-in closet. One of the home's most impressive features is the wall of pocket sliding glass doors with remote controlled blinds, that completely opens the living area to the screened, covered lanai. Finished with pavers and already plumbed for a future outdoor kitchen, this is the perfect place to unwind year-round while overlooking your peaceful backyard retreat. Living in Twin Lakes means every day feels like a vacation. This vibrant, resort-style community offers an exceptional lifestyle with outstanding amenities designed for both relaxation and recreation. Residents enjoy a stunning clubhouse with a ballroom, state-of-the-art fitness center, game room, card room, and numerous social activities. Outdoors, you'll find resort-style swimming pools, tennis, pickleball, bocce ball, basketball courts, scenic walking and biking trails, plus access to Live Oak Lake where residents can enjoy boating/kayaking. Even better is the low maintenance of having HOA maintain your lawn/landscape and exterior pest control, giving you more time to enjoy the incredible Florida lifestyle. Located near shopping, restaurants, Lake Nona Medical Center, VA hospital, and Orlando Int'l airport.

2757 Southland Street, St Cloud
$439,900
5 Beds ⋅ 3 Baths ⋅ Stevens Plantation SubDv. ⋅ 34772 Zip Code
Waterfront Pool Home in Desirable Stevens Plantation! Welcome to this 5-bedroom, 3-bath waterfront pool home located in the highly sought-after Stevens Plantation community in Saint Cloud. Designed with both comfort and functionality in mind, this spacious home is full of potential and needs TLC. New roof in 2025 Step inside to find a formal living room and dining room, ideal for entertaining or hosting family gatherings. The heart of the home is the open-concept kitchen, featuring a large center island, abundant cabinetry, and a seamless view of the family room and sparkling pool, all overlooking the tranquil water. The first floor includes a private bedroom and full bathroom, making it an excellent space for guests, extended family, or a home office. Relax in your screened pool while enjoying peaceful water views, creating your own private backyard retreat. Conveniently located just minutes from Florida's Turnpike, this home is within walking distance to Walmart, restaurants, shopping, and everyday conveniences. Plus, you're only 23 miles from Orlando International Airport and the Lake Nona Medical City, offering easy access to world-class healthcare, dining, and entertainment. Don't miss this incredible opportunity to own a waterfront pool home in one of Saint Cloud's most desirable communities. Schedule your private showing today!

3767 Cedar Hammock Trail, St Cloud
$405,000
4 Beds ⋅ 2 Baths ⋅ Whaleys Creek Ph 2 SubDv. ⋅ 34772 Zip Code
This elegant residence seamlessly combines luxury, comfort, and impeccable design. Upon entering, you'll be welcomed by soaring ceilings, upscale finishes, and exceptional attention to detail throughout. The contemporary kitchen features quartz countertops, stylish cabinetry, and designer light fixtures that enhance its modern appeal. The living room showcases a custom-designed feature wall, creating a stunning focal point for the entertainment area. The home offers four spacious bedrooms and two beautifully appointed bathrooms, each featuring quartz countertops and upgraded vanities. Step outside to the screened lanai, the perfect setting for relaxing evenings or entertaining family and friends while enjoying breathtaking lake views and spectacular sunsets. Additional highlights include premium window blinds throughout the home and a prime location within a desirable community offering a swimming pool and park. This exceptional property presents a rare opportunity to enjoy elegant living, modern comfort, and picturesque waterfront views.

3517 Vega Creek Drive, St Cloud
$600,000
Mccools Add To Kissimmee Park SubDv. ⋅ 34772 Zip Code
WATERFRONT INVESTMENT & DEVELOPMENT OPPORTUNITY ON WEST LAKE TOHO! Approximately 1.89 acres with freshwater canal access to Lake Tohopekaliga, offering water views, lake privileges and a unique opportunity in the rapidly growing St. Cloud market. An adjoining approximately 1.83-acre waterfront parcel may also be available, creating the potential to assemble approximately 3.72 waterfront acres. With utilities available and commercial or mixed-use possibilities subject to county approval, this property offers exciting potential for an investor, developer or owner-user. Conveniently located near major roadways, shopping, dining and the continued growth of the St. Cloud area. Buyer to independently verify zoning, land use, development potential and permitted uses with the appropriate county authorities.

Seaman Avenue, St Cloud
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