
1407 ILLINOIS AVENUE, ST CLOUD, FL, 34769
Pending108 days on marketListed Apr 17, 2026MLS #O6400304
About this home
1407 ILLINOIS AVENUE
SELLER MOTIVATED. BRING ALL OFFERS! Location, location, location!!! This duplex home is situated in a beautiful neighborhood only one block from the main highway, and is priced to sell. Currently designed into two residences, this is a great investment opportunity, or make it your home and rent out the 2nd residence. In the two-story main (front) residence, there is one bedroom and a bath downstairs and there are two bedrooms upstairs. The main kitchen is spacious enough for a table and chairs, and the living room is large and inviting. The owner has made a significant investment in renovations completed to date. Updates include new subfloors and leveling, luxury vinyl tile throughout both residences (excluding front apartment kitchen and rear apartment bath) and new HVAC AC (Ductless/mini-split) in both residences, with 3 compressors and 7 interior wall units. The Main residence is approximately 1030 SF and is a 3/1, and is ready to move in. The main residence updates include new windows, doors, bathroom sink, lighting and cabinet, baseboards, drywall, floors, paint, newly built staircase. The outside of the main residence has been cleaned, repaired and landscaped. The roof has been cleaned, repaired and painted. No leaks! For the rear residence, a 2 bedroom 1 bath that is approximately 454 SF, see photos of unfinished/unrepaired (except for LVT on floors and HVAC ductless mini-split units which have already been installed) walls and windows. It has its own separate entrance, kitchen and bath. There are 5 new windows already purchased that buyer can have installed. Exterior of the home has been painted. Lattice around bottom of entire home has been installed. There is a large, completely fenced back yard with a large storage shed (needs removal of overhang, but otherwise sturdy building). The yard is very private and is a great place to cook out or just hang out. There is plenty of room for a playset or playhouse, or even a pool! This property has so many options! Renovate to reside in the entire home, live in the front 2 story residence and renovate to rent out the back residence or use the back as an In Law Suite with its private entrance, or finish the renovation in the back residence and rent out both the front and the back!! This is a great investment for a homeowner or an investor. Property is close to some great amenities, including Disney and major theme parks, a local beach, park and quaint downtown just a few blocks away. It is a short distance to shops, schools and restaurants…including the locally famous Fat Boy's BBQ with salad bar, The Cup Diner, Crabby’s on the Lakefront and the local favorite The Catfish Restaurant.
Facts & features
The home at a glance
5
Bedrooms
2
Bathrooms
1,482
Sqft
0.16 ac
Lot size
1920
Year built
Two
Levels
$142
Per sqft
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.
$1,716 /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
$1,716/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
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 24% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 1407 ILLINOIS AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1407 ILLINOIS AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1407 ILLINOIS AVENUE FAQs
What would the monthly payment be for 1407 ILLINOIS AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,716/mo — principal and interest, the actual property-tax bill 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 1407 ILLINOIS AVENUE?+
The most recent tax bill on record (2025) was $2,721. 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 $210,000, this home is listed about 51% 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 1407 ILLINOIS AVENUE?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34769 market on paper
$210,000 is 24% below the ST CLOUD 34769 median of $274,900, and at $142/sqft it sits under the St Cloud average of $236.
02Time on market is leverage
108 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,000, now $210,000 — a $89K cut. The full history is in the market section below.
Listing courtesy of MARTIN PROPERTY INVESTMENTS REALTY LLC · Suzanne Martin. MLS #O6400304.
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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