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Community file 07 · Osceola County
St. Cloud
The short version: St. Cloud is a growing city in Osceola County on the eastern shore of Lake Tohopekaliga, roughly 20 to 25 miles southeast of downtown Orlando. It has become one of Central Florida's most active new construction towns, with the Sunbridge and Crossprairie master plans building thousands of homes on its edges, standalone neighborhoods from national builders, a small historic downtown, and lake access minutes from the sales centers. It matches a strong airport and east-metro commute with the most affordable new-home price points in the Osceola corridor.
Spec sheet · File 07
The numbers behind the market
Approximate figures from public community sources compiled in October 2026. Distances are by car in normal traffic and vary by exact address. US 192 is the main street through town; the Florida Turnpike and SR 417 connect to the airport, Lake Nona, and the rest of the metro.
- County
- Osceola County, on the eastern shore of Lake Tohopekaliga
- To downtown Orlando
- Roughly 20 to 25 miles, about 30 to 45 minutes by car depending on traffic
- To Orlando International Airport
- About 25 to 30 minutes by car via SR 417 or US 192
- To the Disney area
- About 36 to 45 minutes by car for most destinations
- Main corridors
- US 192 (13th Street) through town, with the Florida Turnpike and SR 417 nearby
- Master plans building now
- Sunbridge, Crossprairie, Canoe Creek areas, and Harmony to the east
Why buyers watch St. Cloud
Lake country plus the airport corridor
St. Cloud pairs the most accessible new-home price points in the Osceola corridor with real small-town character: a historic downtown, lakefront recreation on Lake Tohopekaliga, and master plans large enough to support schools, parks, and their own town centers. Buyers usually come for the price and the commute to the airport, and stay for the lifestyle.
Osceola County base
About 20 to 25 miles southeast of downtown Orlando, with US 192, the Turnpike, and SR 417 as the main corridors.
Two giant master plans
Sunbridge and Crossprairie are building thousands of homes within minutes of the historic downtown.
Entry-friendly price points
Most new homes run roughly $300,000 to $600,000, with townhomes and compact plans below that.
Lakes and a downtown
Lake Toho recreation plus a walkable historic main street of shops and coffee houses.
Free field guides
Compare builders and fees before you tour St. Cloud
The free New Construction Builder Secrets guide and workbook walk you through comparing builders, communities, incentives, and all-in monthly cost, which is exactly the math the St. Cloud sales centers do not lead with. The full free resources library is on the Free Resources page.
Development status · As of mid-October 2026
Crossprairie is the fastest-moving area; Sunbridge sells on the west edge
In October 2026 the busiest new construction areas in St. Cloud are Crossprairie, south of the historic downtown, and the Sunbridge master plan on the west edge (covered in its own file). KB Home's Canoe Creek Reserve is selling from the low $300,000s, D.R. Horton builds across several standalone neighborhoods, and the original Ashton Woods community, Sunbrooke, sold out in May 2026. The numbers below are what builders and listing sites published in October 2026 and should be confirmed with each sales office before you plan a tour.
Today
Crossprairie's active builder set includes Lennar (Hanover Lakes), M/I Homes, Meritage (The Meadow at Crossprairie), David Weekley (Palmeras at Crossprairie), Jones Homes, and Starlight Homes, with townes from about $312,490 to $330,000 and single-family running into the $400,000s and $500,000s.
Underway
KB Home opened Canoe Creek Reserve with one- and two-story single-family homes from the low $300,000s, and Toll Brothers lists Bella Tara in the St. Cloud area from the mid $500,000s. Crossprairie's Heritage Town Center is slated to break ground late 2026, and a new Florida Turnpike interchange is funded for the area.
Next
More Crossprairie sections and a second KB Home phase (Cedar Crossings II) are staged to open, and Harmony continues building on the east side with Adams Homes and D.R. Horton at Harmony West. Sunbridge's Orange County section is the next big release on the Osceola-Orange line.
Verification note: builder pricing, incentives, floor-plan availability, and development stages change without notice. The figures here were compiled from public builder listings and reporting on October 29, 2026; confirm current details with the builder or the GPG Team before you plan a tour.
Builders & neighborhoods
One town, several master plans, a long builder lineup
St. Cloud's new construction is spread across four areas, each with its own mix of builders and price points. Sunbridge offers the biggest builder lineup on the west edge (Toll Brothers, Pulte, David Weekley, Dream Finders, Ashton Woods, and M/I among the names that have built there, with its own file for details). Crossprairie, south of downtown, is the active multi-builder plan: Lennar at Hanover Lakes, M/I Homes, Meritage at The Meadow, David Weekley at Palmeras (single-family Magnolia Collection and Palms Collection townhomes), plus Jones Homes, Starlight Homes, and K. Hovnanian's 55+ Four Seasons neighborhood.
KB Home builds at Canoe Creek Reserve, The Shores, and Cedar Crossings II. D.R. Horton sells across Glenwood, Thompson Grove, Preston Cove, and Harmony West. Dream Finders lists Waterlin, and Toll Brothers lists Bella Tara in the St. Cloud area. Ashton Woods sold out Sunbrooke in May 2026, and Adams Homes and DRB Homes cover Harmony and Lakeside at Satilla. The lineup changes as phases sell out, so treat this list as a starting map rather than a current inventory.
Buyers' tip: the same builder often sells the same floor plan in two different St. Cloud neighborhoods at different prices, and the CDD and HOA picture differs by master plan. Compare the all-in monthly cost, not the wall price, before you pick a favorite model home.
- D.R. Horton
Glenwood, Thompson Grove, Preston Cove, Harmony West
- Pulte Group & Del Webb
Del Webb Sunbridge (55+), Pulte at Sunbridge
- Lennar
Hanover Lakes at Crossprairie
- Dream Finders Homes
Waterlin; Craft Homes at Weslyn Park
- KB Home
Canoe Creek Reserve, The Shores, Cedar Crossings II
- M/I Homes
Eden at Crossprairie, Center Lake on the Park townhomes
- David Weekley Homes
Palmeras at Crossprairie, Weslyn Park
- Toll Brothers
Weslyn Park at Sunbridge, Bella Tara in the St. Cloud area
- Meritage Homes
The Meadow at Crossprairie
- Ashton Woods
Sunbrooke sold out May 2026; two St. Cloud communities listed
- Jones Homes & Starlight Homes
Neighborhoods within Crossprairie
- K. Hovnanian
Four Seasons 55+ neighborhood at Crossprairie
- Adams Homes
Harmony Central in Harmony
- DRB Homes
Lakeside at Satilla
Beyond the sales center
Coffee stops in historic downtown St. Cloud
When you are done touring phases, the historic downtown along New York Avenue and 10th Street is a short drive from the models and worth building into your day.
St. Cloud · 1022 10th St, St. Cloud
Madilynns Craft Coffee Shop
Local roaster with a loyal downtown following.
Visit
St. Cloud · 1111 New York Ave, St. Cloud
John 3:16 Caffe
Coffee and conversation on New York Avenue.
Visit
St. Cloud · 1300 13th St, St. Cloud
Fortuna Bakery & Coffee
Fresh bakery staples in a casual setting.
Visit
St. Cloud FAQ
What buyers ask about St. Cloud
Where is St. Cloud, and how are the commutes to Orlando?
St. Cloud is a city in Osceola County on the eastern shore of Lake Tohopekaliga, roughly 20 to 25 miles southeast of downtown Orlando. Commute times by car in normal traffic: downtown Orlando about 30 to 45 minutes, Orlando International Airport about 25 to 30 minutes, and the Disney area about 36 to 45 minutes for most destinations. US 192 runs through town, with the Florida Turnpike and SR 417 as the main express corridors to the airport and the rest of the metro. If commute planning is a big part of your search, the free commuter cheat sheet has a workbook for comparing drive times across the communities you are weighing.
Get the free commuter cheat sheetWhat are the main master-planned communities building in St. Cloud?
The active building clusters in four areas. Sunbridge, Tavistock's 24,000+ acre conservation-first master plan, sits on St. Cloud's western edge and has its own full file on this site. Crossprairie, BTI Partners' roughly 1,400-acre master plan south of central St. Cloud, plans about 9,000 residential units with builders that include Lennar, M/I Homes, Meritage, Jones Homes, Starlight Homes, K. Hovnanian, and David Weekley. KB Home's Canoe Creek Reserve builds off Canoe Creek Road, and Harmony, a master-planned town about 15 miles east, builds around roughly 7,000 acres of conservation with its own K-8 and high school. Standalone D.R. Horton neighborhoods such as Glenwood, Thompson Grove, and Preston Cove round out the map.
Open the Sunbridge community fileWhich builders are active in St. Cloud, and what types of homes do they build?
The active lineup, compiled from public builder listings in October 2026, includes D.R. Horton, Pulte Group and Del Webb, Lennar, Dream Finders Homes, KB Home, M/I Homes, David Weekley Homes, Toll Brothers, Meritage Homes, Ashton Woods, plus Jones Homes, Starlight Homes, K. Hovnanian, Adams Homes, and DRB Homes in specific neighborhoods. Home types run the full range: townhomes and compact single-family plans, mid-size family homes, estate lots, 55+ neighborhoods (Del Webb Sunbridge and K. Hovnanian's Four Seasons at Crossprairie), and custom-product pockets such as ICI at Weslyn Park. You can compare most of these builders side by side in the neutral builder profiles on this site.
Browse the builder profilesWhat do new homes in St. Cloud cost?
There is no single St. Cloud price, but published starting prices compiled from public builder listings in October 2026 give a working range of roughly $300,000 to $600,000 for most new homes, with higher price points on larger lots and in places like Sunbridge and Toll Brothers' Bella Tara. Townhomes and compact plans commonly start in the high $200,000s to high $300,000s, with examples such as The Meadow at Crossprairie from about $404,990 (recently reduced) and KB Home's Canoe Creek Reserve from the low $300,000s. Mid-range single-family homes generally land in the $400,000s, and estate, lakefront, and 55+ product runs higher. Current promotions verified this run include Meritage's New Season. New Home. New Savings campaign with rates as low as 4.99% (5.621% APR) on select move-in-ready homes, M/I Homes' 5.875% (5.962% APR) 30-year fixed on select Eden at Crossprairie quick move-ins closing by December 31, 2026, Lennar's Fall Super Sale with up to $35,000 in price reductions and $5,000 in Flex Credit on select homes, and KB Home's advertised rate specials through KBHS Home Loans. Pricing and incentives change phase to phase, so ask for the current price sheet for the specific homesite; the incentives guide explains how to compare offers between builders.
Read the incentives guideWhat amenities and lifestyle does St. Cloud offer?
St. Cloud's draw is the lake country lifestyle paired with a small historic downtown. Lake Tohopekaliga and East Lake Toho anchor fishing, paddling, and waterfront parks, and the downtown district along New York Avenue and 10th Street has coffee shops, restaurants, and local businesses that make it feel like a real town rather than a bedroom community. The large master plans add their own amenity packages: Sunbridge has parks, pools, trails, and a K-8 STEM school in the community, and Crossprairie plans neighborhood amenity centers plus a town center. The airport corridor is close enough that many residents work in aviation, healthcare, and hospitality roles around MCO.
Read the Sunbridge lifestyle postWhat schools serve the St. Cloud area?
St. Cloud is served by the School District of Osceola County. The main area high schools are St. Cloud High School, Harmony High School, and Tohopekaliga High School, with elementary and middle assignments varying by address, including community schools such as Narcoossee schools, Voyager K-8 inside Sunbridge, and Harmony Community K-8 in Harmony. This site publishes no school rankings or quality judgments, and attendance zones follow the exact address and change as the county grows, so confirm the current assignment with the district for the homesite you want. The schools and new construction guide walks through how to verify zones before you sign.
Read the schools guideWhat HOA or CDD fees should buyers expect in St. Cloud?
Most new St. Cloud communities sit in a homeowners association, and the large master plans add district-style assessments for community infrastructure. Sunbridge homes are served by a stewardship district that levies a CDD-style assessment, Crossprairie carries CDD-style assessments for its roads, water, sewer, and amenities, and individual neighborhoods set their own HOA dues. Fee structures and amounts differ by community and phase, so ask for the full HOA, CDD, and maintenance breakdown for the specific homesite. The CDD explainer and the step-by-step buyer's guide cover the exact questions to ask before you compare monthly payments.
Read the CDD explainerHow does St. Cloud compare with Sunbridge and the rest of the Osceola corridor?
St. Cloud is the town; Sunbridge, Crossprairie, and Harmony are the master plans building on its edges. Sunbridge is the conservation-first giant with a long national builder lineup, Crossprairie is the newer south-side plan with more builders per acre, Harmony is the established small master-planned town to the east, and the standalone neighborhoods give buyers a quicker path to a lot. The communities overview page compares the covered files so you can see where each one stands before you plan tours.
Compare all the communities we coverCompare communities
Get boots on the ground
Tour St. Cloud phases with an agent who works the Osceola corridor.
Tyler Gibson and the GPG Team work Sunbridge, Crossprairie, and the county regularly and can pull current phase sheets, price lists, and CDD numbers before you visit.
Book a consultFree field guides
Free guides for your St. Cloud search
Free downloads built for Central Florida new construction buyers. The builder guide covers pricing and negotiation; the commute cheat sheet handles the drive to the airport and downtown, which is a real question for St. Cloud buyers.
Free guide
New Construction Builder Secrets
The 31-page guide plus the five-tab workbook for comparing builders, communities, incentives, and all-in monthly cost.
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Free guide
Orlando Commuter Cheat Sheet
The commute planning cheat sheet plus the Compare My Commute workbook, in Excel and Google Sheets.
Get the cheat sheet