0 7TH STREET, ST CLOUD, FL, 34771
Active571 days on marketListed Dec 30, 2024MLS #O6266915
About this home
0 7TH STREET
Affordable Land Banking Opportunity in Fast-Growing St. Cloud! Here’s your opportunity to secure a strategic land investment in a rapidly developing area of St. Cloud, FL. Located at 0 7th St, St. Cloud, FL 34771, this parcel offers excellent potential for future development or long-term holding—ideal for savvy investors seeking affordable entry into a high-growth corridor of Osceola County. The property currently has easement access via county-owned land. Buyers and their agents are encouraged to conduct independent due diligence regarding access, zoning, and development feasibility. A Vacant Land Disclosure is available upon request. This cash-only opportunity is best suited for an investor with patience and foresight, ready to capitalize on the continued expansion of the St. Cloud and Narcoossee area. Take a drive by the site and explore the surrounding growth and development firsthand. Don’t miss this chance to own a piece of Central Florida’s future!
Facts & features
The home at a glance
0.07 ac
Lot size
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$445 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$486/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 7TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$126,000
1621 HADDOCK STREET
3 bd · 1 ba · 564 sqft · $223/sqft · 86 DOM
Sold · Oct ’25$139,500
1640 FLOUNDER STREET
2 bd · 1 ba · 670 sqft · $208/sqft · 98 DOM
Sold · Feb ’26$168,000
6365 WOODS STREET
1 bd · 1 ba · 696 sqft · $241/sqft · 31 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 0 7TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 7TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
0 7TH STREET FAQs
What would the monthly payment be for 0 7TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $445/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 0 7TH STREET?+
The most recent tax bill on record (2025) was $0. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $45,000, this home is listed about 89% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 0 7TH STREET?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34771 market on paper
$45,000 is 89% below the ST CLOUD 34771 median of $425,000.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
571 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $50,000, now $45,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AROA REAL ESTATE NEAR ME INC · Robert Morillo. MLS #O6266915.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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