331 EASTERN AVENUE, ST CLOUD, FL, 34769
Pending60 days on marketListed May 22, 2026MLS #O6410093
About this home
331 EASTERN AVENUE
Nestled just minutes from the scenic St. Cloud Lakefront, this beautifully upgraded property offers the perfect blend of modern luxury, functionality, and space — all with NO HOA. Situated on two parcels totaling approximately .51 acres, this fully fenced property features premium vinyl fencing for added privacy and curb appeal. Inside, you’ll find an open-concept floor plan with soaring ceilings, abundant natural light, upgraded modern fixtures throughout, and a cozy working fireplace perfect for entertaining or relaxing evenings at home. The fully remodeled kitchen is a true showpiece, featuring trendy grey-coated oak cabinetry, high-grade Calcutta quartz countertops with a stunning waterfall island, and a dedicated coffee bar designed for everyday convenience and style. The luxurious primary suite showcases a completely renovated spa-inspired bathroom with floor-to-ceiling tile, a standalone soaking tub, double vanity, and all-new designer fixtures. Two additional bedrooms have been recently upgraded with luxury vinyl flooring and brand-new ceiling fans. A spacious loft currently functions as a fourth bedroom, while an additional flex room offers endless possibilities for a home office, gym, playroom, or guest space. Outside, the oversized driveway accommodates approximately eight vehicles, making this property ideal for gatherings and entertaining. Major updates provide peace of mind, including a brand-new roof (2025) and brand-new septic system (2025).
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,066
Sqft
0.51 ac
Lot size
2
Garage
2004
Year built
Two
Levels
$256
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.
$3,988 /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
$3,988/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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+23.5%
$/sqft vs St Cloud actives
$256 vs $220
Days on market
60 vs 33 typical
Where $256/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
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)
192 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 93% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 331 EASTERN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$425,000
329 EASTERN AVENUE · same community
4 bd · 3 ba · 1,855 sqft · $229/sqft · 124 DOM
Sold · Aug ’25$401,990
2584 STARRY POINT
4 bd · 2.5 ba · 2,032 sqft · $198/sqft · 0 DOM
Sold · Aug ’25$386,990
2572 STARRY POINT
4 bd · 2.5 ba · 2,032 sqft · $190/sqft · 0 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 331 EASTERN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 331 EASTERN AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
331 EASTERN AVENUE FAQs
What would the monthly payment be for 331 EASTERN AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,988/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 331 EASTERN AVENUE?+
The most recent tax bill on record (2025) was $5,688. 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 $529,900, this home is listed about 25% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 331 EASTERN 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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Erica Montanez. MLS #O6410093.
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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