St Cloud (Magnolia Square) Homes with Boatable Water Water Frontage

St Cloud (Magnolia Square) Homes with Boatable Water Water Frontage

Welcome to St. Cloud, Florida, a hidden gem nestled in the heart of Osceola County, where the charm of small-town living meets the allure of waterfront serenity. Known for its picturesque landscapes and friendly community, St. Cloud is an ideal destination for those seeking a tranquil lifestyle without sacrificing modern conveniences.

At the heart of this enchanting city lies Magnolia Square, an inviting neighborhood that boasts a unique blend of beautiful homes and breathtaking water views. If you’ve ever dreamed of living in a home with boatable water frontage, Magnolia Square is the perfect place to make that dream a reality. Imagine waking up each morning to the gentle sounds of lapping water and the sight of sun-kissed waves right outside your window.

The homes in this community are thoughtfully designed, offering spacious layouts that cater to both relaxation and entertaining. With direct access to St. Cloud’s stunning lakes and waterways, residents can enjoy a variety of recreational activities, from boating and fishing to kayaking and paddleboarding. This vibrant lifestyle is complemented by the nearby parks, walking trails, and a welcoming community atmosphere.

St. Cloud is not just about beautiful homes and waterfront access; it also offers an array of shopping, dining, and entertainment options. With its close proximity to Orlando, residents can easily enjoy the excitement of theme parks and cultural attractions while retreating to the peaceful embrace of their Magnolia Square home.

Discover the magic of waterfront living in St. Cloud, where every day feels like a vacation. Your dream home awaits!

Newest St Cloud (Magnolia Square) Homes with Boatable Water Water Frontage

$200,000
2 Beds ⋅ 2 Baths ⋅ Shelter Cove SubDv. ⋅ 34771 Zip Code
Leave the Snow Behind & Make Florida Your Winter Getaway! Imagine escaping the cold and spending your winters surrounded by sunshine, sparkling water, boating, fishing, and Florida’s famous outdoor lifestyle. This charming furnished 2-bedroom, 2-bath cottage is nestled in the desirable gated Shelter Cove Resort along the scenic southern shore of Lake Center—part of the beautiful Alligator Chain of Lakes. This is more than a cottage—it’s your opportunity to have your own Florida retreat with your dock and boat slip, giving you easy access to the water whenever you're ready for a day of fishing, boating, or simply enjoying the peaceful lakefront lifestyle. Fish from your own dock or sail away by having the convenient access to Lake Center and the Alligator Chain of Lakes right from your back yard. Community amenities include: Gated, resort-style community with beautiful wooded areas, wetlands, and lakefront surroundings Community pool, golf cart-friendly roads/trails, social activities, and recreational opportunities Perfect as a snowbird winter retreat, vacation home, investment property, or full-time Florida residence Just 4 miles to Publix, Winn-Dixie, Walgreens, and everyday conveniences New Walmart being built around the corner, restaurants, and shopping in St. Cloud About 40 minutes to Melbourne and Cocoa Beach Conveniently located near Central Florida’s world-famous attractions, including Walt Disney World, Universal Studios, and SeaWorld Winter Somewhere Warm! Why spend another winter shoveling snow when you could be sitting on your dock with a fishing pole, watching a rocket launch across the Florida sky, or enjoying a sunset cruise from your own boat slip? Spend your days on the water and your evenings enjoying the relaxed atmosphere of Shelter Cove. And when you're ready for some excitement, Central Florida’s theme parks, entertainment, dining, shopping, and attractions are all within easy reach. Whether you’re looking for a snowbird escape, a waterfront vacation home, or your own affordable slice of the Florida lifestyle, this charming cottage offers an incredible opportunity to enjoy the best of lake living and Central Florida. Leave the snow behind. Bring your boat, your fishing pole, and your flip-flops—and start enjoying Florida! Schedule your private tour today and discover your new winter getaway!

1405 Starboard Drive, St Cloud
$749,000
4 Beds ⋅ 4 Baths ⋅ Northshore SubDv. ⋅ 34771 Zip Code
Step inside the foyer and experience a light-filled, open floor plan designed for effortless living and entertaining. The expansive family room flows seamlessly into the gourmet kitchen, featuring stainless steel appliances, quartz countertops, oversized cabinetry with abundant storage, and a cozy breakfast nook—perfect for morning coffee or casual dining. Elegant French doors open to your private backyard oasis, where the screened lanai offers plenty of room to relax in the shade, soak up the sun, or entertain guests poolside. The spacious primary suite provides a peaceful retreat, with room for a king-sized bed and a beautifully appointed ensuite featuring dual vanities, a step-in shower, and a relaxing soaking tub. Bedrooms two and three have generous space and walk-in closets, providing comfort and ample storage for family or guests. The property also features an attached, air-conditioned garage, plus an oversized detached garage with abundant storage and additional parking. Both garage doors are heavily insulated and have UV protective windows. Above the detached garage, you’ll find a versatile mother-in-law suite complete with a kitchenette, private bedroom, full bathroom, and walk-in closet—ideal for extended family, guests, a home office, or additional living space. Located in desirable Northshore, residents enjoy exclusive access to Lake Lizzie, part of the beautiful Alligator Chain of Lakes. With a private community dock and boat ramp, you’ll have endless opportunities for boating, fishing, and enjoying Florida’s waterfront lifestyle. This exceptional property offers the perfect combination of spacious living, resort-style outdoor enjoyment, versatile guest accommodations, and exclusive lake access—all in one incredible home.

1803 Charles Court, St Cloud
$580,000
5 Beds ⋅ 2 Baths ⋅ New Eden On The Lakes Unit 15 Replat SubDv. ⋅ 34771 Zip Code
Virtually Staged. WATERFRONT HOME WITH DIRECT ACCESS TO THE ALLIGATOR CHAIN OF LAKES! Beautifully remodeled 5-bedroom, 2-bathroom home situated on a canal with direct access to Coon Lake and the Alligator Chain of Lakes. This move-in-ready property combines modern updates, waterfront amenities, and practical features designed for Florida living. Recent improvements include a new roof (2023), all new windows (2023), HVAC system (2024), and a private boat dock (2024). The property is further enhanced by a durable composite seawall, helping protect the shoreline while providing easy access to the water. Inside, you'll find tile flooring throughout and a spacious floor plan designed for comfortable living. The primary suite features an upgraded custom closet system, while the remodeled interior offers a clean, modern aesthetic throughout the home. Outdoor living is a highlight of this property. The expansive covered rear porch spans nearly the entire width of the home and is equipped with remote-controlled retractable screens, allowing you to enjoy the space year-round. A dedicated concrete pad is already in place for a future outdoor kitchen. For those needing additional flexibility, the property also includes RV hookups. The canal location offers the added benefit of regular maintenance due to its role as an emergency access waterway, helping provide continued navigability and accessibility to the chain of lakes. Additional features include a private well with a water filtration system and a quiet location with no through traffic.

1330 S Shore Drive, St Cloud
$649,500
4 Beds ⋅ 3 Baths ⋅ Lake Ajay Village SubDv. ⋅ 34771 Zip Code
Welcome to this one-of-a-kind custom pool home filled with warmth, character, and architectural charm! Nestled beneath mature oak trees on a spacious lot, this unique property offers soaring vaulted ceilings, exposed wood beams, rich flooring, and a stunning floor-to-ceiling stone fireplace that creates an unforgettable focal point in the main living area. Designed for both entertaining and everyday living, the open-concept layout flows seamlessly into the spacious kitchen featuring modern countertops, stainless steel appliances, abundant cabinetry, center island, and generous dining space. Large windows and sliding glass doors bring in natural light while creating a seamless indoor-outdoor connection. This versatile floor plan offers oversized bedrooms, loft areas, and multiple flex spaces perfect for a home office, media room, playroom, gym, or additional living area. The spacious primary suite provides a private retreat with ample room to relax and unwind. Step outside into your own private Florida oasis featuring a large screened-in pool enclosure, covered lanai, expansive patio space, and mature landscaping surrounded by beautiful oak trees and peaceful outdoor views. Whether hosting family and friends or enjoying a quiet evening poolside, this backyard was designed for making memories. Additional features include solar panels for energy efficiency, updated flooring throughout, rustic-modern finishes, balcony access overlooking the outdoor living space, oversized driveway, and exceptional curb appeal. If you are searching for a home with personality, flexibility, and timeless character, this is not your typical cookie-cutter property. This home offers a rare combination of space, charm, and resort-style outdoor living all in one unique package.

3181 Whisper Wind Drive, St Cloud
$550,000
3 Beds ⋅ 2 Baths ⋅ Lake Ajay Village SubDv. ⋅ 34771 Zip Code
Beautifully maintained pool home on an elevated 0.58-acre home-site in the gated community of Lake Ajay Village. Surrounded by magnificent mature live oak trees and offering glimpses of Lake Ajay, this move-in-ready, single-story home combines privacy, generous outdoor space, and an exceptional location just minutes from Lake Nona Medical City. 3 bedrooms, 2 bathrooms, and 2,081 square feet with a desirable split-bedroom floor plan, soaring vaulted ceilings, abundant natural light, and bamboo flooring throughout the main living areas. The living room enjoys beautiful sunrise views, while the family room features a wood-burning fireplace. The spacious kitchen offers abundant counter space and storage and opens to adjoining dining and living areas, creating a comfortable flow for everyday living and effortless entertaining. The generous primary suite includes a walk-in closet, dual vanities, and a spacious walk-in shower. Major updates include a new roof (2019), dual-pane windows and exterior doors (2019), and a newer water heater (2020). Outside, enjoy a screened pool, oversized backyard, and magnificent oak canopy that create a peaceful private retreat. Lake Ajay Village residents enjoy a private boat ramp and dock, tennis, basketball, and beautifully lit pickleball courts, all just minutes from Lake Nona Medical City, Orlando International Airport, shopping, dining, parks, and highly rated schools. Experience the space, tranquility, and lifestyle that make this home so special. Schedule your private showing today.

3158 Whisper Wind Drive, St Cloud
$485,900
3 Beds ⋅ 1 Baths ⋅ Roberts Grove 2 SubDv. ⋅ 34771 Zip Code
Discover a true Central Florida lake lifestyle from this updated 3-bedroom Saint Cloud home with direct access to miles of connected waterways. Boaters and anglers will appreciate the newer dock, boathouse, fishing pier, and 12,000-lb boat lift—making it easy to get on the water and explore Lake Lizzie, Alligator Lake, Coon Lake, Trout Lake, Brick Lake, Center Lake, Live Oak Lake and beyond. Inside, the home offers an updated, move-in-ready interior with an open floor plan, modern finishes, stainless-steel appliances, solid wood cabinetry, stone counters, and energy-efficient windows. A durable metal roof adds long-term value and low-maintenance appeal. Outside, enjoy water views, multiple porch and patio areas, a private yard, and the relaxed setting that makes lake living so desirable. With NO HOA and no minimum lease period, the property also offers flexibility for a variety of ownership needs. Conveniently located near Lake Nona, shopping, dining, medical facilities, major roadways, and Orlando attractions. Seller is ready to make a move—come experience the Lake Lizzie lifestyle! Buyer to independently verify all measurements, water access, dock information, lease requirements, and property details.

6125 Lake Lizzie Drive, St Cloud
$429,900
3 Beds ⋅ 2 Baths ⋅ Maple Terrace SubDv. ⋅ 34771 Zip Code
MOVE-IN READY! UNIQUE LAKE-ACCESS OPPORTUNITY! Welcome to 2234 Maple Ter, a charming 3-bedroom, 2-bath single-family home in the Maple Terrace area of St. Cloud. Built in 1979 and offering approximately 1,504 heated square feet, this one-story home sits on a spacious 0.40-acre lot in a quiet established neighborhood near Alligator Lake. The property features a private screened pool, in-ground spa, covered carport, mature landscaping, and a peaceful outdoor setting with nearby canal and lake views. The owner has directly stated that the home offers front-door access to Alligator Lake and the connected Chain of Lakes, plus shared ownership interest in a private canal with private boat dock and direct lake access. Inside, the home offers a functional layout with separate living and dining areas, solid-surface kitchen counters, ceiling fans, window treatments, and accessibility-friendly bathroom features including a walk-in tub and shower grab bars. Recent owner-reported updates include a new roof in 2023, new pool screen in 2022, new pool pump in 2025, pool tile and resurfacing in 2026, A/C system serviced in 2025, well pump serviced in 2026, whole-home generator with 100-gallon rented propane tank, and transferable Massey termite bond. Carpet has been removed and not replaced, and seller is offering up to $20,000 in buyer concessions, which may be used toward flooring, repairs, closing costs, prepaid items, or other allowable costs. Conveniently located near US-192, Lake Nona area access, shopping, dining, schools, and major Central Florida roadways. IMPORTANT NOTE TO BUYER AGENT: Limited-service listing. Please see Realtor Only Remarks or Showingtime Instructions on StellarMLS for showing and offer instructions.

2234 W Maple Terrace, St Cloud
$1,290,000
4 Beds ⋅ 4 Baths ⋅ Oakwood Shores SubDv. ⋅ 34771 Zip Code
Experience the best of Central Florida lakefront living on Trout Lake, part of the Alligator Chain of Lakes, with this exceptional custom-built home located at 6805 Bass Highway in St. Cloud. Offering a rare combination of luxury, privacy, and investment potential, this stunning waterfront property is perfectly suited as a primary residence, second home, or vacation rental — all with NO HOA restrictions. Ideally positioned within one hour of Walt Disney World Resort and Universal Orlando Resort, Orlando’s world-famous attractions, and Florida’s beautiful east coast beaches, and just 30 minutes from Lake Nona and the Orlando International Airport this property offers the perfect balance of peaceful lakefront living and convenient access to everything Central Florida has to offer. Built in 2014, this impressive 3,535-square-foot custom home features 4 bedrooms, 4 bathrooms, and thoughtfully designed living spaces filled with high-end upgrades and custom details throughout. From the moment you enter, you’ll appreciate the upgraded cabinetry, premium countertops, designer fixtures, upgraded flooring, and beautifully finished stained concrete surfaces that create a warm yet modern lakefront aesthetic. The spacious chef’s kitchen was designed with both functionality and entertaining in mind, featuring extensive custom cabinetry and an expansive hidden walk-in pantry that provides exceptional storage and organization. Throughout the home, you’ll find numerous built-in storage areas, window seats in most bedrooms, and carefully crafted details that add both charm and practicality. The primary suite offers a luxurious private retreat complete with a dedicated vanity/glam room and generous storage solutions. Upstairs, a versatile bonus room provides endless possibilities and can easily function as a home office, media room, playroom, or be converted into an additional bedroom. Additional flexible living spaces include a separate air-conditioned room ideal for a home gym, hobby room, or flex space, along with a dedicated air-conditioned laundry room conveniently located off the garage. The property also includes multiple outdoor storage sheds, offering even more room for tools, lake toys, and equipment. Set on 160 feet of fully cleared lakefront, the property showcases breathtaking water views, a private sand beach area, and direct access to the highly sought-after Alligator Lake Chain — a connected chain of five lakes known for boating, fishing, and watersports. The outdoor amenities are truly exceptional. A brand-new 110-foot dock features a covered metal roof, electric boat lift, lakeside sitting area, and propane fire pit, creating the ultimate waterfront gathering space. The expansive 600-square-foot fully enclosed screened outdoor kitchen overlooks the lake and offers year-round enjoyment for entertaining family and guests. An additional lakeside fire pit area further enhances the unmatched outdoor lifestyle this property provides. Major recent upgrades include a roof and exterior paint both completed just 2 years ago, adding long-term value and peace of mind. This is a rare opportunity to own a true Central Florida lakefront lifestyle property with freedom, luxury, space, and exceptional vacation rental potential!

6805 Bass Highway, St Cloud
$795,000
3 Beds ⋅ 2 Baths ⋅ Acreage & Unrec SubDv. ⋅ 34771 Zip Code
Multiple offers! Completely remodeled and secluded one story LAKEFRONT home with a boat dock + NO HOA. Everything inside is brand new and extremely clean, including all top appliances, bathrooms and kitchen. Huge lot with so much privacy. Beautiful lighting, dimmers around home, brand new ROOF and hybrid flooring. Covered screened porch includes an incredible rock flooring and exterior features poured concrete. Two sheds for storage, driveway with pickleball court ready to set up. Brand new High School across the street Nova Rd, and future project connecting area to everywhere in less than 15 minutes. Growth potential, peace, clean and water access, plus so much more! Inquiry about special seller concessions!

560 Eden Drive, St Cloud
$695,000
4 Beds ⋅ 3 Baths ⋅ Bay Lake Estates SubDv. ⋅ 34771 Zip Code
Fantastic FOUR-bedroom THREE- bath pool home situated on a 0.732 acre lot with 112 feet of lake front on Bay Lake. This rare find single story home has over 3000 square feet. This is the absolute perfect home to raise a family and is also functional as a multigenerational home. You will enter through the gated front porch into the foyer, on the right is the formal dining room and straight ahead is the formal living room boasting a stone fireplace, and skylight. To the left of the living room is a private bedroom #2 with a walk in closet and bath access into a bathroom which connects to bedroom # 3. Once out in the hallway you can access bathroom #3 which also has a private door into bedroom #3. The 16 x 26 Family room comes equipped with built In bookshelves, a pool table with ping pong conversion top, ceiling fans, a decorative pool table light, built in bar, built in wine rack, and insulated windows to enjoy the spectacular view of the beautiful yard overlooking the lake and wooded area on the other side of Bay Lake. The large kitchen is to the right of the family room and boasts granite counters, solid wood cabinets, lazy Susan, a built-in convection oven, built in microwave, cooktop, skylight, LED lighting, new refrigerator, breakfast nook, double door food pantry and access to the formal dining room. Through the kitchen into the hallway is the laundry room featuring a laundry tub, cabinets and a great big closet for extra storage. The master suite which was recently remodeled has a barn door, vinyl plank floors and huge walk-in closet, 7 x 5 walk in shower that is wheelchair accessible, dual sinks, and new cabinets. The garage is a woodworker’s dream with shelving that has a 1000 lb. load capacity and a private air-conditioned shop room and a 10-inch insulated attic. The screen enclosed pool deck offers a great space for the family to gather and enjoy the view of Bay Lake. There is a shower and a remote-controlled retractable awning for your convenience, the pool is approximately 7.5 feet deep and holds 15,000 gallons of water. Wander out to the dock and relax while fishing or enjoying the view, the dock is equipped with a solar light and there is also a sea wall partially concrete and partially wood. Let’s not overlook the long wide driveway which along with the pool and lake make this home perfect for entertaining family and friends. The seller replaced the roof in 2024, drain field with alarm system installed 2025. Save money on your water bill with the sprinkler system drawing from the lake. This lovely neighborhood offers a private boat ramp for residence only, dead end street, walking distance to the entrance of Lake Lizzie Preserve of over 1000 acres with the following features, bird watching, equestrian trail, hiking trails, picnic table, restrooms, primitive camping and wildlife viewing. This is the best possible scenario to raise a family in this great home! Schedule your tour today!

6770 Bay Shore Drive, St Cloud
$640,000
4 Beds ⋅ 3 Baths ⋅ Bridgewalk Ph 1a SubDv. ⋅ 34771 Zip Code
Why build when you can move into this nearly-new 4-bed/3-bath Lennar-built 2656 square feet home? Welcome to 3000 Ella Way, a beautiful Lennar Marina C model located in the highly desirable Bridgewalk community in the North St. Cloud area. This home is situated on a premium corner lot and backs to a lake. This spacious 4-bedroom, 3-bathroom home offers picturesque views, added privacy, and a true Florida lifestyle. A thoughtfully designed open-concept layout with high tray ceilings makes the house perfect for both entertaining and everyday living. Ceramic tiles throughout the main living areas provide durability and easy maintenance, and comfortable carpet in bedrooms gives warmth and coziness. A large modern kitchen contains a 5-seat quartz Island, white shaker wood cabinetry with lots of counter space. The living and dining area create a bright and inviting atmosphere filled with natural light. The well-designed Marina floor plan includes generously-sized bedrooms and a comfortable primary suite that serves as a relaxing retreat with water views. Large windows throughout the home enhance the airy feeland 8-feet floor-to-ceiling sliding glass door showcases beautiful water views. Step outside to your private backyard oasis and enjoy serene mornings or unwind in the evenings with colorful sunsets—perfect for relaxing or entertaining. A short drive to the Lake Nona area offers a variety of shopping and dining options with easy access to Orlando. This home offers a perfect balance of tranquility and convenience. Residents of Bridgewalk community enjoy a variety of resort-style amenities designed for both relaxation and recreation-- a community pool perfect for cooling off on warm Florida days, pickleball courts & a gym for staying active, and a private boat dock offering easy access to the water for boating, fishing an skiing. These well-maintained amenities create a welcoming neighborhood atmosphere and enhance the overall lifestyle, making it easy to enjoy the best of Florida living.

3000 Ella Way, St Cloud
$355,000
1 Beds ⋅ 2 Baths ⋅ Shelter Cove SubDv. ⋅ 34771 Zip Code
This is everything you have been dreaming of! Check out this 1bedroom 1 bathroom lakefront on the Alligator Chain of Lakes with extensive upgrades and superior construction. Tray ceilings, crown molding, full baseboards, vinyl plank flooring, quartz counters in kitchen and bath with custom backsplash, large stainless sink, solid wood cabinetry, walk-in glass shower, and ceiling fans. Stainless appliance package includes glass-top range, oven, microwave, dishwasher, and upgraded refrigerator with ice maker. Garbage disposal and Culligan RO filtration system. Built with 2x6 shear walls, Hardie board concrete siding to the base, metal roof, double-pane windows, double cross tie-down system anchored into concrete, and upgraded 200-amp service.Outdoor living is taken to the next level with a composite dock and decking leading to a custom-built tiki bar, constructed on pilings driven to the lake bottom and topped with a standing seam metal roof. The tiki area is fully equipped with 50-amp electric, water, refrigeration, and a bar setup—perfect for entertaining. Remote-controlled screens provide comfort and shade while you enjoy the view. The composite seawall is reinforced with stainless steel tie-backs and durable filter fabric, offering both beauty and long-term stability. Boat ramp is located just seconds away. Excellent waterfront location for boating, fishing, and skiing. Ideal for primary residence or weekend retreat. Don't miss this opportunity to own your own private oasis. Home is located close to beaches, resturants, hospitals loca shopping but still maintains a privacy with its own community.

1315 Pine Island Dr N, St Cloud
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