712 MICHIGAN CT UNIT 3, ST CLOUD, FL, 34769
Active51 days on marketListed Jun 3, 2026MLS #O6413669
About this home
712 MICHIGAN CT UNIT 3
Amazing opportunity in the heart of St. Cloud! FIRTS MONTH FREE . This charming 2-bedroom, 1-bathroom condo Water,Cable and internet included. Offers the perfect blend of comfort and convenience. The unit features tile flooring throughout, fresh neutral paint, and a highly functional layout designed for easy, low-maintenance living. Enjoy an updated kitchen boasting brand-new cabinets and a new stove, complemented by a refreshed bathroom. Located in the established Palm Gardens Condo community featuring a community pool, its location is unbeatable—directly across and behind local elementary and middle schools, and just steps away from shopping centers, medical facilities, and the beautiful St. Cloud Lakefront Park. Perfect for first-time homebuyers, downsizers, or savvy investors. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
900
Sqft
0.03 ac
Lot size
1972
Year built
Two
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$170 /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
$170/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.
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.
$/sqft vs St Cloud actives
$2 vs $220
Days on market
51 vs 33 typical
Where $2/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 Palm Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Palm Gardens — neighborhood snapshot
Population
599
Median age
37
Median income
$67,201
Median home value
$313,000
Avg household
3
Households w/ children
82%
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)
196 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 99% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 712 MICHIGAN CT UNIT 3
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$220,000
2240 DARBY LANE
2 bd · 2 ba · 936 sqft · $235/sqft · 41 DOM
Sold · Dec ’25$85,000
1821 JERSEY AVENUE
2 bd · 1 ba · 828 sqft · $103/sqft · 57 DOM
Sold · Mar ’26$122,500
732 MICHIGAN COURT UNIT 3
2 bd · 1 ba · 784 sqft · $156/sqft · 11 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
Robert Holmgren
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 712 MICHIGAN CT UNIT 3 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 712 MICHIGAN CT UNIT 3 — before you fall in love.
See it in person
Schedule a tour
Live availability from Robert's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
712 MICHIGAN CT UNIT 3 FAQs
What would the monthly payment be for 712 MICHIGAN CT UNIT 3?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $170/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.
Are pets allowed at 712 MICHIGAN CT UNIT 3?+
The listing reports pets: No. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $1,400, this home is listed about 100% 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 712 MICHIGAN CT UNIT 3?+
St. Cloud Middle School (middle), St. Cloud High School (high), Michigan Avenue Elementary School (elementary) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY ORLANDO LLC · Rodrigo Chavez. MLS #O6413669.
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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