Come to a property where design, comfort, and future value come together in one of Central Florida’s strongest growth markets.
This beautifully maintained residence features 4 spacious bedrooms, ideal for families, multigenerational living, or creating the perfect home office environment for today’s professional lifestyle.
The heart of the home is a modern open-concept kitchen with elegant quartz countertops, abundant cabinetry, and seamless flow into the living and dining areas — perfect for entertaining, hosting, and everyday enjoyment.
Wake up and unwind with a peaceful water view, providing privacy, natural light, and that premium touch buyers are searching for.
Additional highlights buyers will love: Open layout with excellent natural light, Generous primary suite
functional spaces for gatherings, Move-in ready condition, Located in a high-demand residential corridor
Positioned in St. Cloud, you benefit from proximity to Lake Nona, Orlando’s employment expansion, medical and technology growth, while enjoying a quieter residential environment.
This is where families upgrade their quality of life and investors secure tomorrow’s appreciation. Smart buyers follow growth. Great buyers arrive early. Schedule your private tour today.
This beautifully maintained residence features 4 spacious bedrooms, ideal for families, multigenerational living, or creating the perfect home office environment for today’s professional lifestyle.
The heart of the home is a modern open-concept kitchen with elegant quartz countertops, abundant cabinetry, and seamless flow into the living and dining areas — perfect for entertaining, hosting, and everyday enjoyment.
Wake up and unwind with a peaceful water view, providing privacy, natural light, and that premium touch buyers are searching for.
Additional highlights buyers will love: Open layout with excellent natural light, Generous primary suite
functional spaces for gatherings, Move-in ready condition, Located in a high-demand residential corridor
Positioned in St. Cloud, you benefit from proximity to Lake Nona, Orlando’s employment expansion, medical and technology growth, while enjoying a quieter residential environment.
This is where families upgrade their quality of life and investors secure tomorrow’s appreciation. Smart buyers follow growth. Great buyers arrive early. Schedule your private tour today.
Property Details
Price:
$399,000
MLS #:
S5142708
Status:
Active
Beds:
4
Baths:
2
Type:
Single Family
Subtype:
Single Family Residence
Subdivision:
OLD HICKORY 50S
Neighborhood:
34772stcloudnarcoosseeroad
Listed Date:
Feb 11, 2026
Finished Sq Ft:
1,950
Total Sq Ft:
2,390
Lot Size:
7,405 sqft / 0.17 acres (approx)
Year Built:
2021
See this Listing
Schools
Elementary School:
Hickory Tree Elem
Middle School:
St. Cloud Middle (6-8)
High School:
Harmony High
Interior
Appliances
Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Bathrooms
2 Full Bathrooms
Cooling
Central Air
Flooring
Carpet, Ceramic Tile
Heating
Central, Solar
Interior Features
In Wall Pest System, Open Floorplan, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Walk-In Closet(s)
Laundry Features
Inside
Levels
One
Exterior
Association Amenities
Park, Playground, Pool
Attached Garage YN
1
Community Features
Association Recreation – Owned, Irrigation-Reclaimed Water, Park, Playground, Pool
Construction Materials
Block, Stucco
Covered Spaces
2
Direction Faces
Southwest
Exterior Features
Irrigation System, Sliding Doors
Garage Spaces
2
Lot Features
In County
Open Parking YN
1
Parking Features
Driveway, Garage Door Opener
Patio And Porch Features
Covered, Porch
Roof
Shingle
View
Trees/Woods
Window Features
Blinds, Thermal Windows
Financial
HOA Fee
$98
HOA Fee Frequency
Monthly
HOA Includes
Maintenance Grounds
HOA Name
Icon Management/Valerie D’Ambrosio
Tax Year
2026
Taxes
$6,500
Map
Community
- Address3960 GUERNSEY BEND ST CLOUD FL
- SubdivisionOLD HICKORY 50S
- CityST CLOUD
- CountyOsceola
- Zip Code34772
Subdivisions in ST CLOUD
- 0000
- 42110
- ACREAGE & UNREC
- ALADDIN VILLAGE
- AMELIA GROVES
- AMELIA GROVES PH 1
- AMELIA GROVES PH 2
- AMERACENTER PH 3
- ANTHEM PARK PH 02
- ANTHEM PARK PH 1B
- ANTHEM PARK PH 2
- ANTHEM PARK PH 3A
- ANTHEM PARK PH 3B
- ANTHEM PARK TR G REP
- ANTHEM PARK TR M REP
- ANTHEM PARK TRACT M REPLAT
- ARROWHEAD COUNTRY ESTATES
- ASHFORD PLACE
- ASHFORD PLACE PB 33 PGS 186-187 LOT 104
- ASHFORD PLACE PB 33 PGS 186-187 LOT 91
- ASHLEY PARK AT HARMONY; A CONDO
- ASHTON ESTATES
- ASHTON PARK
- ASHTON PLACE
- AVELLINO
- BARBER
- BARKER TRACTS UNREC
- BARRINGTON
- BARTON COURT
- BATTAGLIA
- BAY LAKE ESTATES
- BAY LAKE FARMS AT ST CLOUD
- BAY LAKE RANCH
- BAY LAKE RANCH UNIT 1
- BAY LAKE RANCH UNIT 2
- BAY LAKE RANCH UNIT 3
- BAY LAKE RANCH UNIT THREE
- BAY TREE COVE
- BLACKBERRY CREEK UNIT 3
- BLACKSTONE
- BRACK RANCH
- BRACK RANCH NORTH
- BRACK RANCH PH 1
- BRACY BUS PARK CONDO
- BREEZY PINES
- BRIAN ESTATES
- BRIARWOOD ESTATES
- BRIDGE POINTE
- BRIDGEWALK
- BRIDGEWALK PH 1A
- BRIDGEWALK PH 1B 2A & 2B
- BRIDGEWALK PH 2C
- BRISTOL COVE AT DEER CREEK PH 2
- BRIXTON TWNHMS
- BUENA LAGO
- BUENA LAGO PH 1 & 2
- BUENA LAGO PH 4
- C & G
- CAMELOT UNIT 2
- CAMELOT UNIT 3
- CAMELOT UNIT 4
- CANAVERAL ACRES
- CANAVERAL ACRES 1
- CANAVERAL ACRES 2
- CANAVERAL ACRES 3
- CANAVERAL ACRES 4
- CANAVERAL ACRES UNIT 02
- CANAVERAL ACRES UNIT 04
- CANOE CREEK ESTATES
- CANOE CREEK LAKES UNIT 1
- CANOE CREEK LAKES UNIT 11
- CANOE CREEK LAKES UNIT 2
- CANOE CREEK LAKES UNIT 3
- CANOE CREEK LAKES UNIT 4
- CANOE CREEK VILLAS
- CANOE CREEK WOODS & CRYSTAL CREEK
- CANOE CREEK WOODS UNIT 1
- CANOE CREEK WOODS UNIT 11
- CANOE CREEK WOODS UNIT 5
- CANOE CREEK WOODS UNIT 9
- CANOE CREEK WOODS UNT 11
- CANOPY WALK
- CANOPY WALK PH 1
- CANOPY WALK PH 2
- CANOPY WALK-PH 2
- CENTER LAKE ON THE PARK
- CENTER LAKE RANCH
- CHISHOLM ESTATES
- CHISHOLM TRAILS
- CHISHOLMS RIDGE
- COUNTRY MEADOW
- COUNTRY MEADOW N
- COUNTRY MEADOW WEST UNIT 1
- COUNTRYSIDE
- CROSS CREEK ESTATES
- CROSS CREEK ESTATES PH 2 & 3
- CROSSINGS PH 1
- CROSSINGS PH 1 REP
- CROSSPRAIRIE 25 TH
- CROSSPRAIRIE 32S
- CROSSPRAIRIE 50S
- CRYSTAL CREEK
- CUZ WAY
- CYPRESS CREEK RANCHES UNIT 1
- CYPRESS POINT UNIT 1
- CYPRESS PRESERVE
- CYRENE AT HARMONY
- DEER CREEK WEST
- DEER RUN ESTATES
- DEER RUN ESTATES PH 2
- DEL WEBB SUNBRIDGE
- DEL WEBB SUNBRIDGE PH 1
- DEL WEBB SUNBRIDGE PH 1C
- DEL WEBB SUNBRIDGE PH 1D
- DEL WEBB SUNBRIDGE PH 1E
- DEL WEBB SUNBRIDGE PH 2A
- DEL WEBB SUNBRIDGE PH 2B
- DEL WEBB SUNBRIDGE PH 2C
- DEL WEBB TWIN LAKES
- DELAWARE GARDENS
- DOE RUN AT DEER CREEK
- EAGLE MEADOW
- EAST LAKE COVE PH 1
- EAST LAKE COVE PH 2
- EAST LAKE PARK PH 3-5
- EAST LAKE RESERVE @ NARCOOSSEE UNIT 4
- EAST LAKE RESERVE AT NARCOOSSEE UNIT 2
- EAST LAKE RESERVE AT NARCOOSSEE UNIT 3
- EAST LAKE RESV NARCOOSSEE UNIT 01
- EAST ST CLOUD COMMERCE CENTER
- EDEN AT CROSS PRAIRIE
- EDEN AT CROSS PRAIRIE PH 2
- EDEN AT CROSSPRAIRIE
- EDGEWATER ED-4 LOT 1
- EDGEWATER ED-4 LT 1 REP
- EL RANCHO PARK ADD BLK B
- ELLINGTON PLACE
- ENCLAVE AT LAKES OF HARMONY
- ESPLANADE AT CENTER LAKE RANCH
- ESPLANADE AT CENTER LAKE RANCH PH 1
- ESPRIT PH 1
- ESPRIT PH 2
- ESPRIT PH 3B
- ESTATES AT HICKORY COVE
- ESTATES OF WESTERLY
- FAWN MEADOWS AT DEER CREEK PH 1
- FELLS COVE ESTATES
- FLORIDA AGRICULTURAL
- FLORIDA AGRICULTURAL CO
- FLORIDA AGRICULTURAL COMPANY
- GARDENS AT LANCASTER PARK
- GLENWOOD PH 1
- GLENWOOD PH 2
- GLENWOOD-PH 1
- GRAMERCY FARMS
- GRAMERCY FARMS PH 1
- GRAMERCY FARMS PH 3
- GRAMERCY FARMS PH 4
- GRAMERCY FARMS PH 5
- GRAMERCY FARMS PH 6
- GRAMERCY FARMS PH 7
- GRAMERCY FARMS PH 8
- GRAMERCY FARMS PH 9B
- HAMMOCK POINTE
- HAMMOCK POINTE UNIT 2
- HAMMOCK POINTE UNIT 3
- HANOVER LAKES
- HANOVER LAKES PH 1
- HANOVER LAKES PH 2
- HANOVER LAKES PH 3
- HANOVER LAKES PH 4
- HANOVER LAKES PH 5
- HANOVER RESERVE REP
- HANOVER RESERVE REPLAT
- HANOVER RESERVE REPLAT PB 24 PGS 133-135 LOT 84
- HANOVER SQUARE
- HARMONY CENTRAL PH 1
- HARMONY CENTRAL PH 2
- HARMONY ISLE TOWNHOMES
- HARMONY NBHD H-1
- HARMONY NBHD I
- HARMONY WEST
- HARMONY WEST TWNHMS
- HAVENFIELD AT CROSS PRAIRIE
- HAVENFIELD AT CROSS PRAIRIE PH 2
- HEATHER HALL CONDO
- HERITAGE PLACE OF ST CLOUD
- HICKORY GROVE PH 1
- HICKORY GROVE PH 2
- HICKORY HOLLOW UNIT 1
- HICKORY HOLLOW UNIT 2
- HICKORY HOLLOW UNIT 3
- HIDDEN PINES
- HOLOPAW COUNTRY ESTATES
- HOLOPAW COUNTRY ESTATES SEC 1
- HORIZON MEADOWS
- INDIAN LAKES
- INDIAN LAKES PH 3
- INDIAN LAKES PH 5 & 6
- INDIAN LAKES PH 7
- JEFFERSON GREEN AT ANTHEM PARK CONDO PH 11
- JEFFERSON GREEN AT ANTHEM PARK CONDO PH 13
- JEFFERSON GREEN AT ANTHEM PARK CONDO PH 16
- JOHN J JOHNSTONS
- KALEY BROOKE SHORES
- KANUGA VILLAGE MOBILE HOME PARK PH 1
- KANUGA VILLAGE MOBILE HOME PARK PH 2
- KEYSTONE POINTE PH 2
- KING OAK VILLAS PH 02 ADD 02
- KING OAK VILLAS PH 1
- KING OAK VILLAS PH 1 1ST ADD
- KING OAK VILLAS PH 2 4TH ADD
- KING OAK VILLAS PH 3 4TH ADD
- KISSIMMEE PARK
- LAKE AJAY VILLAGE
- LAKE FRONT ADD TO TOWN OF ST CLOUD
- LAKE FRONT ADD TO TOWN OF ST. CLOUD
- LAKE FRONT ADDN
- LAKE LIZZIE RESERVE
- LAKE POINTE
- LAKESHORE AT NARCOOSSEE PH 1
- LAKESHORE AT NARCOOSSEE PH 2
- LAKESHORE AT NARCOOSSEE PH 3
- LAKESHORE AT NARCOOSSEE PH 3 2ND REP
- LAKESHORE AT NARCOOSSEE PH 4
- LAKESHORE/NARCOOSSEE
- LAKESHORE/NARCOOSSEE PH 1
- LAKEVIEW VILLAGE
- LAKEVIEW VILLAGE PH 2
- LANCASTER PARK EAST
- LANCASTER PARK EAST PH 2
- LANCASTER PARK EAST PH 3 & 4
- LANDINGS AT LIVE OAK
- LANDINGS AT LIVE OAK LAKE
- LIVE OAK LAKE PH 1
- LIVE OAK LAKE PH 1 2 & 3
- LIVE OAK LAKE PH 2
- LIVE OAK LAKE PH 3
- LIZZIE RIDGE
- LIZZIE VIEW
- LONGLEAF VILLAGE
- LORRAINE ESTATES UNIT 1
- LOST LAKE ESTATES
- MAGNOLIA GLEN
- MAGNOLIA TERRACE SUB
- MAJESTIC OAKS
- MALLARD POND PH 1
- MALLARD POND PH 2
- MALLARD POND PH 3
- MALLARD POND PH 4A
- MARINA CLUB ESTATES
- MICHIGAN ESTATES
- MILL STREAM ESTATES
- MILLERS GROVE 1
- MONTAGUES VILLAGE UNIT 1
- NARCOOSSEE DEL SOL
- NARCOOSSEE NEW MAP
- NARCOOSSEE NEW MAP OF
- NARCOOSSEE OLD TOWN
- NARCOOSSEE THE TOWN OF
- NARCOOSSEE VILLAGE PH 1
- NARCOOSSEE VILLAGE PH 2
- NARCOOSSEE VILLAGE PHASE 1
- NEW EDEN
- NEW EDEN ON LAKES
- NEW EDEN ON LAKES UNIT 04
- NEW EDEN ON THE LAKES UNIT 3
- NEW EDEN ON THE LAKES UNIT 4
- NEW EDEN ON THE LAKES UNIT 7
- NEW EDEN ON THE LAKES UNIT A
- NEW EDEN ON THE LAKES UNIT C
- NEW EDEN ON THE LAKES UNITS 11 & 14 REP
- NORTHWEST LAKESIDE GROVES PH 1
- NORTHWEST LAKESIDE GROVES PH 2
- NORTHWEST LAKESIDE GROVES PH 2 – TWIN LAKES
- NORTHWEST LAKESIDE GRVS PH 2
- NOVA BAY
- NOVA GROVE
- NOVA PARK
- NOVA POINTE PH 1
- OAK RIDGE
- OAK RIDGE PLACE
- OAK SHORE ESTATES
- OAKLEY PLACE
- OAKTREE POINTE VILLAS
- OAKWOOD SHORES
- OLD HICKORY
- OLD HICKORY 50S
- OLD HICKORY PH 1 & 2
- OLD HICKORY PH 3
- OLD HICKORY PH 4
- OSCEOLA INDUST PARK TR 5
- OSCEOLA SHORES
- PALAMAR OAKS VILLAGE PH 2
- PALAMAR OAKS VILLAGE PH 3
- PALAMAR OAKS VILLAGE REP
- PALAMAR PARK
- PALM GARDENS CONDO
- PARK LANE VILLAS
- PEMBERLY PINES
- PINE CHASE ESTATES UNIT 1
- PINE GLEN
- PINE GLEN PH 4
- PINE GROVE PARK
- PINE GROVE RESERVE
- PINE LAKE ESTATES UNIT 2
- PINE LAKE ESTATES UNIT 4
- PINE LAKE ESTATES UNIT 5
- PINE LAKE VILLAS UNIT 2
- PINEWOOD GARDENS
- PORTOFINO VISTA
- PRAIRIE OAKS
- PRESERVE AT TURTLE CREEK PH 1
- PRESERVE AT TURTLE CREEK PH 3 & 4
- PRESERVE AT TURTLE CREEK PH 5
- PRESERVE/TURTLE CRK PH 1
- PRESERVE/TURTLE CRK PH 5
- PRESTON COVE
- PRESTON COVE PH 1 & 2
- RALSTON RESERVE
- RESERVE AT PINE TREE
- RESERVE/PINE TREE
- RUMMELL DOWNS REP 1
- RUNNMEDE OAKS
- RUNNYMEDE
- RUNNYMEDE NORTH HALF TOWN OF
- RUNNYMEDE OAKS UNREC
- RUNNYMEDE SHORES
- RUSSELL
- S L & I C
- S L & I C TOWN OF ST CLOUD
- SAINT CLOUD MANOR ESTATES
- SANCTUARY AT SOUTH TOWN
- SAVANNA
- SAVANNA PARK
- SAWGRASS UNIT 4 PB 13 PGS 1-2 LOT 279
- SAWGRASS UNIT 6
- SEASONS AT ESTATES AT SOUTHERN PINES
- SEASONS AT SOUTHERN PINES
- SEMINOLE LAND & INV CO
- SEMINOLE LAND & INVESTMENT CO
- SEMINOLE LAND & INVESTMENT COMPANYS
- SEMINOLE LAND AND INV CO
- SERENITY RESERVE
- SHELTER COVE
- SIENA RESERVE
- SIENA RESERVE PH 2A & 2B
- SIENA RESERVE PH 2C
- SILVER SPGS
- SILVER SPGS 2
- SILVER SPRING
- SILVER SPRINGS
- SKY LAKES PH 2 & 3
- SL & IC
- SOLA VISTA
- SOUTHERN PINES
- SOUTHERN PINES PH 3B
- SOUTHERN PINES PH 4
- SOUTHERN PINES PH 5
- SOUTHERN PINES UNIT 01
- SOUTHERN PINES UNIT 1
- SOUTHERN PINES UNIT 3A
- SPLIT OAK ESTATES
- SPLIT OAK ESTATES PH 2
- SPLIT OAK RESERVE
- SPLIT OAK RESERVE PH 2
- SPLIT OAK RESERVE-PH 2
- SPRINGHEAD LAKES 25TH
- SPRINGHEAD LAKES 40S
- SPRINGHEAD LAKES 50S
- ST CLOUD
- ST CLOUD 2ND PLAT TOWN OF
- ST CLOUD 2ND TOWN OF
- ST CLOUD 2ND TOWN OF GALION GARDENS
- ST CLOUD BLVD LTS
- ST CLOUD MANOR EST
- ST CLOUD MANOR ESTATES 02
- ST CLOUD MANOR ESTATES UNIT 1
- ST CLOUD MANOR ESTATES UNIT 2
- ST CLOUD MANOR ESTATES UNIT 3
- ST CLOUD MANOR VILLAGE
- STACY ACRES
- STARLINE ESTATES UNIT 2
- STERLING MANOR ESTATES
- STEVENS PLANTATION
- STONEWOOD ESTATES
- SUBURBAN ESTATE GOVERNMENT LT 05
- SUBURBAN ESTATES
- SUBURBAN ESTATES LT 1 UNREC
- SUBURBAN ESTATES LT 2 UNREC
- SUBURBAN ESTATES LT 4 UNREC
- SUBURBAN ESTATES LT 5 UNREC
- SUBURBAN ESTATES UNIT D UNREC
- SUBURBAN ESTATES UNREC
- SUMMERLY
- SUMMERLY PH 2
- SUMMERLY PH 3
- SUNBRIDGE
- SUNBRIDGE DEL WEBB PH 1D
- SUNBROOKE
- SUNBROOKE PH 1
- SUNBROOKE PH 2
- SUNBROOKE PH 5
- SUNCREST
- SUNNY ACRES CORR OF
- SUNSET GROVE PH 1
- SUNSET GROVES PH 2
- SUNSET RANCH ESTATES
- SWEETWATER CREEK
- SWEETWATER CREEK UNIT 1
- SWEETWATER CREEK UNIT 2
- TBC BUS CENTER COMM CONDO PH 2
- TEKA VILLAGE PH 1
- TEKA VILLAGE TR 2 REP OF TR C
- TENTH STREET TERRACE
- TERRA HAVEN
- THE CROSSINGS
- THE CROSSINGS PH 1
- THE CROSSINGS PH 2
- THE LANDING’S AT LIVE OAK
- THE MEADOW AT CROSSPRAIRIE
- THE MEADOW AT CROSSPRAIRIE BUNGALOWS
- THE MEADOW AT CROSSPRAIRIE TOWNES
- THE MEDOW AT CROSSPRAIRE TOWNES
- THE RESERVE AT TWIN LAKES
- THE WATERS AT CENTER LAKE RANCH
- THOMPSON GROVE
- THOMPSON TRACTS
- TINDALL BAY ESTATES
- TINDALL ESTATES
- TOPS TERRACE
- TOWN CENTER VILLAS
- TOWN PARK
- TOWNS AT NARCOOSSEE COMMONS
- TRADITION
- TRINITY PLACE PH 1
- TRINITY PLACE PH 2
- TURTLE CREEK
- TURTLE CREEK PH 1A
- TURTLE CREEK PH 1B
- TWIN LAKES
- TWIN LAKES PH 1
- TWIN LAKES PH 2A-2B
- TWIN LAKES PH 2C
- TWIN LAKES PH 7A
- TWIN LAKES PH 8
- TWIN LAKES RANCHETTES
- TYSON RESERVE
- UNDERWOOD ESTATES
- VILLA HOMES VILLAGE
- VILLAGES AT HARMONY PH 2A
- VILLAGES AT HARMONY PH 2B
- VILLAGIO
- VILLAS DEL CASTILLO
- VLG GREEN TWNHS
- WATERS AT CENTER LAKE RANCH PH 1A
- WATERS AT CENTER LAKE RANCH PH 1B
- WESLYN PARK
- WESLYN PARK AT SUNBRIDGE
- WESLYN PARK IN SUNBRIDGE
- WESLYN PARK PH 1
- WESLYN PARK PH 2
- WESLYN PARK PH 3
- WESLYN PK PH 1
- WEST ACRES
- WHALEYS CREEK PH 1
- WHALEYS CREEK PH 2
- WHALEYS CREEK PH 3
- WHIP O WILL HILL
- WIREGRASS
- WIREGRASS PH 1
- WIREGRASS PH 2
Market Summary
Current real estate data for Single Family in ST CLOUD as of Apr 30, 2026
1,229
Single Family Listed
104
Avg DOM
233
Avg $ / SqFt
$512,949
Avg List Price
Property Summary
- Located in the OLD HICKORY 50S subdivision, 3960 GUERNSEY BEND ST CLOUD FL is a Single Family for sale in ST CLOUD, FL, 34772. It is listed for $399,000 and features 4 beds, 2 baths, and has approximately 1,950 square feet of living space, and was originally constructed in 2021. The current price per square foot is $205. The average price per square foot for Single Family listings in ST CLOUD is $233. The average listing price for Single Family in ST CLOUD is $512,949. To schedule a showing of MLS#s5142708 at 3960 GUERNSEY BEND in ST CLOUD, FL, contact your Charles Rutenberg Realty agent at (407) 619-0129.
Similar Listings Nearby
Courtesy of AROD PARTNERS REALTY. Disclaimer: All data relating to real estate for sale on this page comes from the Broker Reciprocity (BR) of the Orlando/Tampa – FL. Detailed information about real estate listings held by brokerage firms other than Charles Rutenberg Realty include the name of the listing broker. Neither the listing company nor Charles Rutenberg Realty shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. The Broker providing this data believes it to be correct, but advises interested parties to confirm any item before relying on it in a purchase decision. Copyright 2026. Orlando/Tampa – FL. All rights reserved. 3960 GUERNSEY BEND
ST CLOUD, FL