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Central Florida › Orlando Metro › Osceola County › Saint Cloud › Saint Cloud › NO HOA Listings

Saint Cloud Homes with NO HOA

NO HOA Home ListingsDon't like some HOA board telling what you can and cannot do on your property?

The Saint Cloud area has homes that either have no HOA or an optional HOA. Typically, a non-hoa area or community will not have a CDD (community development district) fee either.

Below is a list of all active listings that were designated as either not being in an HOA neighborhood or being in an HOA neighborhood with an optional fee. This information is submitted by the listing brokerage and not verified prior to posting on our site so please contact us to verify if you have interest in a property featured here.

No HOA Saint Cloud Homes for Sale

1831 Centennial Avenue, St Cloud image
1831 Centennial Avenue, St Cloud $375,000

Welcome to this beautifully updated 3-bedroom, 2-bath home ideally located in the heart of St. Cloud! This move in ready property features a renovated kitchen with moder...

  • 3 Beds
  • 2 Baths
  • Anthem Park Ph 3a SubDv.
  • 34769 Zip Code
5074 S Kaliga Drive, St Cloud image
5074 S Kaliga Drive, St Cloud $250,000

Welcome home to NO HOA well-maintained 3-bedroom, 2-bath double-wide manufactured home offering plenty of living space and a comfortable layout. The open-concept living ...

  • 3 Beds
  • 2 Baths
  • Fells Cove Estates SubDv.
  • 34771 Zip Code
Cord Avenue, St Cloud image
Cord Avenue, St Cloud $145,000

Discover the perfect place to build your custom dream home on this beautiful 1.32-acre partially fenced homesite in St. Cloud. Offering the ideal combination of space, pr...

  • Horizon Meadows SubDv.
  • 34772 Zip Code
9145 Lincoln Road, St Cloud image
9145 Lincoln Road, St Cloud $349,900 ▲

Discover this 3-bedroom, 2-bath mobile home in St. Cloud, situated on a spacious 1-acre corner lot. Bring your boats, RVs, work equipment, or weekend toys—the impressive ...

  • 3 Beds
  • 2 Baths
  • Canaveral Acres 4 SubDv.
  • 34773 Zip Code
Cord Avenue, St Cloud image
Cord Avenue, St Cloud $589,000

Pre-Construction. To be built. Beautifully crafted by Snow Construction, this brand-new custom home offers just under 2,000 square feet of thoughtfully designed living sp...

  • 4 Beds
  • 2 Baths
  • Horizon Meadows SubDv.
  • 34772 Zip Code
Absher Lane, St Cloud image
Absher Lane, St Cloud $1,220,000

Great opportunity to have 5+ High and Dry acres!! Located right in the Heart of the Narcoossee Road Redevelopment District of Osceola County. Come and build your dream h...

  • Narcoossee New Map Of SubDv.
  • 34771 Zip Code
3760 Kaiser Avenue, St Cloud image
3760 Kaiser Avenue, St Cloud $430,000 ▲

***PROFESSIONAL PHOTOS COMING SOON*** Welcome to your own slice of country paradise! Situated on **2.42 acres** with **no HOA**, this spacious **4-bedroom, 2-bath manufa...

  • 4 Beds
  • 2 Baths
  • St Cloud Manor Estates Unit 3 SubDv.
  • 34772 Zip Code
Holopaw Groves Road Unit Lot 125 & 126, St Cloud image
Holopaw Groves Road Unit Lot 125 & 126, St Cloud $2,900

This property is for recreational use only. This is not a buildable lot. Owning a lot will entitle you to a key for the main gate and to have entry. The recreational area...

  • Acreage & Unrec SubDv.
  • 34773 Zip Code
Holopaw Groves Road Unit Lot 99 & 100, St Cloud image
Holopaw Groves Road Unit Lot 99 & 100, St Cloud $2,900

This property is for recreational use only. This is not a buildable lot. Owning a lot will entitle you to a key for the main gate and to have entry. The recreational area...

  • Acreage & Unrec SubDv.
  • 34773 Zip Code
Bass Highway, St Cloud image
Bass Highway, St Cloud $399,000

Build your dream home on this scenic 3.84 acre lot! The perfect combination of privacy, nature and convenience as this property backs up to Lake Lizzie Preserve. Located ...

  • Acreage & Unrec SubDv.
  • 34771 Zip Code
1220 Wycliffe Way, St Cloud image
1220 Wycliffe Way, St Cloud — 1220 $395,000

SPECIAL FINANCING AVAILABLE! The seller is offering a promotional 3.875 interest rate through a rate buy-down program, plus ALL closing costs paid when using the preferre...

  • 3 Beds
  • 3 Baths
  • Brixton Twnhms SubDv.
  • 34771 Zip Code
4460 Runway Lane, St Cloud image
4460 Runway Lane, St Cloud $1,250,000

Welcome to this custom-built Spanish-style estate nestled on nearly five fully fenced acres in St. Cloud, offering a rare blend of luxury, privacy, aviation access, and e...

  • 3 Beds
  • 3 Baths
  • S L & I C SubDv.
  • 34772 Zip Code
2795 Absher Road, St Cloud image
2795 Absher Road, St Cloud $985,000

Endless Potential on 5.84 Acres – Prime Location Near Lake Nona Unlock the possibilities with this expansive 5.84-acre property, ideally located just minutes from Lake No...

  • 3 Beds
  • 2 Baths
  • Country Meadow N SubDv.
  • 34771 Zip Code
3050 S Indiana Avenue, St Cloud image
3050 S Indiana Avenue, St Cloud $799,900

Highly Desirable Equestrian Estate Style Home Located in the Heart of Saint Cloud, Florida! No HOA! Nestled on a Secluded +/- 2.7 Acres, this Custom Built, Lovingly Ma...

  • 3 Beds
  • 3 Baths
  • S L & I C SubDv.
  • 34769 Zip Code
6737 Fountain Grove Pass, St Cloud image
6737 Fountain Grove Pass, St Cloud $620,024 ▲

Award Winning David Weekley’ Homes signature craftsmanship is evident throughout our Voyage plan on an oversized corner homesite.  Enjoy the serene and sophisticated life...

  • 3 Beds
  • 3 Baths
  • Weslyn Park SubDv.
  • 34771 Zip Code
1177 Liza Street, St Cloud image
1177 Liza Street, St Cloud $435,000 ▼

Price Reduced! Excellent Opportunity! Charming 3-Bed, 2-Bath Single-Family Home on 0.76 Acres – Move-In Ready! This beautifully updated one-story home offers 1,470 sq ft ...

  • 3 Beds
  • 2 Baths
  • Arrowhead Country Estates Unrec SubDv.
  • 34771 Zip Code
3454 Imperial Avenue, St Cloud image
3454 Imperial Avenue, St Cloud $899,900 ▼

Rare opportunity in sought-after St. Cloud Manor! Situated on a fully fenced 2.07-acre corner lot with no HOA, this 4-bedroom, 3-bath home offers the space and flexibilit...

  • 4 Beds
  • 3 Baths
  • St Cloud Manor Estates Unit 2 SubDv.
  • 34772 Zip Code
Hunting Lodge Drive, St Cloud image
Hunting Lodge Drive, St Cloud $175,000

Discover the perfect opportunity to build your dream home on this 1.15 acre buildable lot located in the desirable St.Cloud Manor area. This high and dry parcel has alrea...

  • S L & I C SubDv.
  • 34772 Zip Code
Hunting Lodge Drive, St Cloud image
Hunting Lodge Drive, St Cloud $175,000

Discover the perfect opportunity to build your dream home on this 1.15 acre buildable lot located in the desirable St.Cloud Manor area. This high and dry parcel has alrea...

  • S L & I C SubDv.
  • 34772 Zip Code
6370 Bennett Court, St Cloud image
6370 Bennett Court, St Cloud $449,990 ▼

Virtually Staged. Built in 2021, this beautiful home offers the perfect combination of space, privacy, and convenience in one of the fastest-growing areas of St. Cloud. N...

  • 4 Beds
  • 4 Baths
  • New Eden On The Lakes Units 11 & 14 Rep SubDv.
  • 34771 Zip Code
3040 Lakes Crest Avenue, St Cloud image
3040 Lakes Crest Avenue, St Cloud $355,990 ▼

PRICED TO SELL!!"virtually stage ".Solar panels will be pay off at closing . Beautifully maintained 3-bedroom, 2-bathroom single-family residence located in the desirable...

  • 3 Beds
  • 2 Baths
  • Gramercy Farms Ph 8 SubDv.
  • 34772 Zip Code
5055 Shady Pines Dr, St Cloud image
5055 Shady Pines Dr, St Cloud $689,000 ▼

Discover the perfect combination of luxury, comfort, and location in this beautiful home located in the growing and highly desirable area of Saint Cloud. This stunning pr...

  • 5 Beds
  • 4 Baths
  • Eden At Cross Prairie Ph 2 SubDv.
  • 34772 Zip Code
307 California Avenue, St Cloud image
307 California Avenue, St Cloud $332,500 ▼

Discover this beautifully updated, turn-key property located at 307 California Street in the heart of Saint Cloud. This versatile 3-bedroom, 2-bathroom layout is smartly ...

  • 3 Beds
  • 2 Baths
  • St Cloud 2nd Town Of SubDv.
  • 34769 Zip Code
E Irlo Bronson Memorial Highway, St Cloud image
E Irlo Bronson Memorial Highway, St Cloud $525,000 ▼

This exceptional 6.37-acre property presents a rare opportunity to own a prime piece of land with approximately 200 feet of frontage along E. Irlo Bronson Memorial Highwa...

  • Acreage & Unrec SubDv.
  • 34771 Zip Code
4531 Calumet Drive, St Cloud image
4531 Calumet Drive, St Cloud $409,000 ▼

This beautifully maintained 3-bedroom, 2-bath home features a bright open-concept layout designed for both everyday living and entertaining. The upgraded kitchen is a tr...

  • 4 Beds
  • 2 Baths
  • Gramercy Farms Ph 4 SubDv.
  • 34772 Zip Code
5966 Wildflower Field Way, St Cloud image
5966 Wildflower Field Way, St Cloud $455,990

Welcome to this stunning and modern home located in a desirable community in St. Cloud! Built in 2024, this spacious property offers 2,034 sq ft of comfortable living spa...

  • 4 Beds
  • 3 Baths
  • Crossings Ph 1 SubDv.
  • 34771 Zip Code
5692 Stephens Road, St Cloud image
5692 Stephens Road, St Cloud $495,000 ▲

WELCOME TO THIS SPACIOUS AND VERSATILE 3BD/2BA + DEN/OFFICE HOME WITH INDEPENDENT NEXT GEN 1BD/1BA SUITE IN BRIDGEWALK: This thoughtfully designed home offers TWO COMPLET...

  • 4 Beds
  • 3 Baths
  • Bridgewalk Ph 1b 2a & 2b SubDv.
  • 34771 Zip Code
6570 Bay Shore Drive, St Cloud image
6570 Bay Shore Drive, St Cloud $489,900 ▼

Waterfront living, a private pool, and a half-acre lifestyle — welcome home to Bay Shore Drive. This 3-bedroom, 2-bath CBS pool home sits on over half an acre with 110 f...

  • 3 Beds
  • 2 Baths
  • Bay Lake Estates SubDv.
  • 34771 Zip Code
6137 Bass Highway, St Cloud image
6137 Bass Highway, St Cloud $439,000 ▼

**SELLERS ARE OFFERING INCENTIVES!** Welcome to your private waterfront retreat on the Alligator Chain of Lakes—where charm, comfort, and adventure come together effortle...

  • 3 Beds
  • 2 Baths
  • Twin Lakes Terrace SubDv.
  • 34771 Zip Code
2156 Old Hickory Tree Road, St Cloud image
2156 Old Hickory Tree Road, St Cloud $75,000 ▼

Build your vision on this vacant land opportunity in Saint Cloud located in a growing area. This area has a strong development potential. Not in a flood zone providing pe...

  • Acreage & Unrec SubDv.
  • 34772 Zip Code
3063 Addison Boulevard, St Cloud image
3063 Addison Boulevard, St Cloud $496,000 ▼

Discover this stunning 5-bedroom, 3-bathroom contemporary home featuring luxury upgrades and modern design throughout. The main floor offers elegant gray wood-look porcel...

  • 5 Beds
  • 3 Baths
  • Bridgewalk Ph 1a SubDv.
  • 34771 Zip Code
1301 Wycliffe Way, St Cloud image
1301 Wycliffe Way, St Cloud — 12 $391,990 ▼

Stunning lakefront townhome – like new and move-in ready! Built just 2 years ago, this modern 3-bedroom townhome offers the perfect blend of style, location, and low mont...

  • 3 Beds
  • 3 Baths
  • Brixton Twnhms SubDv.
  • 34771 Zip Code
2022 Education Street, St Cloud image
2022 Education Street, St Cloud $329,000 ▼

Virtually Staged. Short Sale. Two-story and light-filled home with a functional layout and open-concept design. The kitchen features a large island with seating, quartz c...

  • 3 Beds
  • 3 Baths
  • Trinity Place Ph 1 SubDv.
  • 34771 Zip Code
4324 Pine Lake Drive, St Cloud image
4324 Pine Lake Drive, St Cloud $475,000 ▼

Experience true luxury living in this fully renovated, modern masterpiece located in Saint Cloud. This stunning corner lot, pool home has been completely upgraded from to...

  • 5 Beds
  • 3 Baths
  • Pine Lake Estates Unit B SubDv.
  • 34769 Zip Code
Irlo Bronson Memorial Highway, St Cloud image
Irlo Bronson Memorial Highway, St Cloud $1,800,000

10 PRIME ACRES ON US-192, ST. CLOUD, FL. This is an exceptional development opportunity, 2 parcels totaling 10 acres strategically located in Osceola County, the fifth fa...

  • Whip O Will Hill SubDv.
  • 34771 Zip Code
2774 Sunkissed Drive, St Cloud image
2774 Sunkissed Drive, St Cloud $455,000

Welcome to your dream home at 2774 Sunkissed Drive, St. Cloud, FL 34771. This stunning 4-bedroom, 2-bathroom property offers 1,828 sqft of open-concept living designed fo...

  • 4 Beds
  • 2 Baths
  • Suncrest SubDv.
  • 34771 Zip Code
1749 Cayman Cove Circle, St Cloud image
1749 Cayman Cove Circle, St Cloud $410,000 ▼

Price reduced! This 2019 energy-efficient 4BR/3BA + Loft home in Eagle Meadows offers NO CDD, low taxes, great location. Investors are welcome. This 2,204 sq. ft. residen...

  • 4 Beds
  • 3 Baths
  • Eagle Meadow SubDv.
  • 34772 Zip Code
2615 Hickory Tree Road, St Cloud image
2615 Hickory Tree Road, St Cloud $385,000 ▼

NEW PRICE IMPROVEMENT! Rare Lakefront Opportunity on Live Oak Lake – 1.15 Acres | 161 Feet of Direct Lake Frontage | No Monthly HOA Fees | Possible Lot-Split Opportunity!...

  • Kaley Brooke Shores SubDv.
  • 34772 Zip Code
2930 Tohopekaliga Drive, St Cloud image
2930 Tohopekaliga Drive, St Cloud $440,000

Discover the ideal canvas for your dream waterfront home! This expansive 2.49-acre lot overlooks the serene waters of West Lake Toho, renowned for its world-class bass fi...

  • Kissimmee Park SubDv.
  • 34772 Zip Code
7th Street, St Cloud image
7th Street, St Cloud $45,000 ▼

Affordable Land Banking Opportunity in Fast-Growing St. Cloud! Here’s your opportunity to secure a strategic land investment in a rapidly developing area of St. Cloud,...

  • New Eden On The Lakes Unit 7 SubDv.
  • 34771 Zip Code
5575 Alligator Lake Road, St Cloud image
5575 Alligator Lake Road, St Cloud $1,850,000 ▼

Bring your horses, cars, RV, boat, and jet skis! This outstanding waterfront custom property offers a private dock and 400' of frontage on Alligator Lake in desired Saint...

  • 4 Beds
  • 4 Baths
  • Seminole Land And Inv Co SubDv.
  • 34772 Zip Code
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