What is a short sale?

An MLS can mark a listing as a short sale, or as a potential or possible short sale. In the RESO Data Dictionary, a short sale “may require bank approval,” so an accepted offer may need the lender’s approval before the sale can close. For a specific home, ask its listing agent whether the sale needs that approval and whether it has been given.

What does an auction listing mean?

An MLS can mark a listing as an auction or as sold under auction terms. MLS rules differ on the price an auction listing shows: depending on the MLS, it can be a starting or minimum bid, a reserve price, or an assessed, tax or market value, so it may not be what the home sells for. For a specific home, read the auction’s terms and ask its listing agent how bidding works before you bid.

Foreclosures & Short Sales in St. Cloud, FL

Q: What does “notice of default” mean on a listing?

An MLS can mark a listing with a notice of default. In the RESO Data Dictionary, this status means “there is a notice of default on the listed property.” RESO defines this field as describing “the type of sale … at the time of listing,” and a listing’s status can change after that. For a specific home, ask its listing agent what the notice means for the sale and where the sale stands.

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Foreclosures & Short Sales in St. Cloud, FL

24 of 91 Listings

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Veronica Figueroa

The Figueroa Team LLC. eXp Realty, LLC

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New28Active
$172,500
3 bd · 2 ba · 1,296 sqft
2001 Pine St, St Cloud, FL
Ronald Gentile · ORLANDO REO PROF I INC
18Active
$389,000
4 bd · 3 ba · 2,040 sqft
2473 Zuni Rd, St Cloud, FL
Gladys Noboa · INTERNATIONAL PROFESSIONAL REALTY INC
34Active
$299,900
4 bd · 2 ba · 2,130 sqft
3747 Moon Dancer Pl, St Cloud, FL
Cynthia Fernandez · XCLUSIVE HOMES LLC

Listing data & MLS disclosures

Stellar MLS: Listings courtesy of Stellar MLS as distributed by MLS GRID. Based on information submitted to the MLS GRID. 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. Listing information is provided for consumers? personal, non-commercial use, solely to identify prospective properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. Information deemed reliable but not guaranteed. Copyright © 2026 MLS GRID. All Rights Reserved.

About Foreclosures & Short Sales in St. Cloud, FL

Foreclosures & Short Sales in St. Cloud, FL: 91 active listings as of October 6, 2026, 13:13 UTC.

Property types among these 91 listings, by the property type each listing’s MLS reports, spelled as the MLS spells it. Types with fewer than 5 listings, and listings whose MLS reports no type, are not shown, so the shares can total less than 100%.
Property type	Listings	Share
Single Family Residence	72	79.1%
Townhouse	15	16.5%

What does “in foreclosure” mean on a listing?

An MLS can mark a listing as in foreclosure or pre-foreclosure. In the RESO Data Dictionary, “In Foreclosure” means the property is “currently in the process of foreclosure”; “pre-foreclosure” is not defined there. RESO defines this field as describing “the type of sale … at the time of listing,” and a listing’s status can change after that. For a specific home, ask its listing agent what the status means and where the sale stands.

What is a bank-owned (REO) home?

An MLS can mark a listing as bank-owned or lender-owned, also called REO (“real estate owned”). In the RESO Data Dictionary, “Real Estate Owned” means the property is “currently owned by a bank/lender.” RESO defines this field as describing “the type of sale … at the time of listing,” and a listing’s status can change after that. For a specific home, ask its listing agent about the home’s condition and what an offer needs.

Registered offenders on the map

Registered offenders on the map

Registered offenders on the map

Registered offenders on the map

Your St Cloud agent

Listing data & MLS disclosures

About Foreclosures & Short Sales in St. Cloud, FL

What does “in foreclosure” mean on a listing?

What is a bank-owned (REO) home?

Listing data & MLS disclosures

Your St Cloud agent

What is a short sale?

What does an auction listing mean?

What does “notice of default” mean on a listing?

St. Cloud housing market

Homes that sold · County records, as of Sep 16, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 2026

Price trend · Assessor repeat sales, as of Sep 30, 2026

Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Sep 11, 2026

St. Cloud, FL community profile

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St. Cloud, FL community profile

St. Cloud housing market

Homes that sold · County records, as of Sep 16, 2026

Homes on the market · MLS, as of Sep 27, 2026–Sep 30, 2026

Price trend · Assessor repeat sales, as of Sep 30, 2026

Housing stock — every home in the area, not only the ones selling or listed · Assessor records, as of Sep 11, 2026