1417 11TH STREET, ST CLOUD, FL, 34769
Active3 days on marketListed Jul 30, 2026MLS #O6428731
About this home
1417 11TH STREET
Beautifully crafted 1925 home ideally located in the historic area of Downtown St. Cloud. Offering 2 bedrooms, 1 bathroom, and 1,004 square feet of living space, this charming home blends timeless character with important modern updates. Features include a metal roof, tankless water heater, HVAC replaced in 2017, a newer electrical panel installed in 2021 and NO HOA. The kitchen includes the laundry closet space and extra storage for pantry. Built-in features offer charm and more options for storage. The property also offers a shed for a workshop to enjoy hobbies or projects. An extended driveway is hard to find in town, providing ample space for at least 3 vehicles. Private backyard provides space for entertaining or a dog run. Enjoy the convenience of being just minutes from Downtown St. Cloud, with its local shops, restaurants, community events, and small-town charm. Whether you’re looking for a full-time residence, investment opportunity, or a home with historic character, 1417 11th Street offers a wonderful opportunity to own a piece of St. Cloud history. The Saint Cloud Lakefront is 1 mile away, enjoy the jogging paths, biking or the beach. This residential home is zoned SCB2 which offers future commercial use. Reach these popular destinations within the area - Lake Nona medical city 13 miles, Orlando 20 miles, Disney 25 miles, and Brevard beaches 50 miles. All information is deemed reliable and buyer may perform their own due diligence. Schedule a tour today!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
788
Sqft
0.08 ac
Lot size
1925
Year built
One
Levels
$329
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.
$2,037 /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
$2,037/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
−12.3%
$/sqft vs St Cloud actives
$329 vs $219
Days on market
3 vs 33 typical
Where $329/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
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)
214 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 6% 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 1417 11TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$325,000
1010 MISSISSIPPI AVENUE · same community
2 bd · 2 ba · 1,124 sqft · $289/sqft · 64 DOM
Sold · May ’26$285,000
1601 CONNECTICUT AVENUE · same community
3 bd · 1.5 ba · 1,200 sqft · $238/sqft · 129 DOM
Sold · Jul ’26$350,000
612 PENNSYLVANIA AVENUE · same community
3 bd · 2 ba · 1,346 sqft · $260/sqft · 17 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1417 11TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1417 11TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1417 11TH STREET FAQs
What would the monthly payment be for 1417 11TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,037/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 1417 11TH STREET?+
The most recent tax bill on record (2025) was $2,848. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1417 11TH STREET?+
The listing reports pets: Yes. 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 $259,000, this home is listed about 39% 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 1417 11TH STREET?+
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
$259,000 is 6% below the ST CLOUD 34769 median of $274,900.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of BLUE MARLIN REAL ESTATE · Kimberly Fouts, PA. MLS #O6428731.
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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