When Union veterans first arrived in 1909, there were very few buildings and everyone lived in tents. The first house was the home of G.W. Penn, and it still stands at 1205 Massachusetts Avenue. First National Bank was Saint Cloud's first bank and opened in 1910. In 1890, S.L. Luper, Sr., the superintendent of the sugar plantation, established the private Sunnyside School at what is now Maryland Avenue and Tenth Street. The first church was the First Presbyterian Church of Saint Cloud. The original structure was renovated in 1926, and in 1968 it was razed and replaced by a new brick structure.