Palm Gardens Condo Homes for Sale

Palm Gardens Condo is a residential community in St. Cloud, Florida.

Pure Equity Realty covers Palm Gardens Condo and the St. Cloud area. We list for 1%, which includes photography, MLS syndication, and negotiation support. Buyers pay nothing for representation. For current market data, see Florida Realtors' market statistics.

Our MLS feed shows 3 Palm Gardens Condo St. Cloud homes for sale as of October 2026. The median asking price is $165,000.

That is 61% below the St. Cloud median of $422,000. On a per-foot basis, homes here ask about $210 per square foot, roughly in line with the city at $206. So the median price buys roughly 800 square feet of living area.

Listings here have averaged 25 days on the market. That is faster than the St. Cloud average of 197 days. As a result, buyers here should be ready to write an offer soon after a showing.

Homes listed in Palm Gardens Condo date from 1972, so they are about 54 years old.

All of these homes predate Florida's 2002 statewide building code. So roof age, window protection and the wind mitigation report matter a great deal for insurance.

In addition, most Florida insurers ask for a four-point inspection on homes 30 years or older. It covers the roof, electrical, plumbing and HVAC. Updated systems usually make coverage easier to place.

Here is what the median Palm Gardens Condo price means in Florida closing terms. At $165,000, a 20% down payment comes to about $33,000, leaving a loan near $132,000.

Florida then taxes that loan twice. First, documentary stamp tax on the note runs 35 cents per $100, or about $462. Next, the intangible tax of 0.2% adds about $264. Buyers normally pay both at closing.

On the seller side, Florida deed stamps cost 70 cents per $100 of price. At the Palm Gardens Condo median, that is about $1,155.

Finally, owner-occupants should file for the Florida homestead exemption by March 1. It removes up to $50,000 of assessed value. After that, Save Our Homes caps yearly assessment increases at 3% or inflation, whichever is lower. To see what these numbers mean for your budget, get pre-approved before you tour.