
213 NEW YORK AVENUE, ST CLOUD, FL, 34769
Active3 days on marketListed Aug 13, 2026MLS #O6433045
About this home
213 NEW YORK AVENUE
There’s a reason Saint Cloud’s State Streets have stayed desirable for generations. An established community, a historic downtown, and the lakefront woven right into everyday life. The catch? Most of the homes here were built decades ago. But every once in a while, something newer comes along. Built in 2017, this 3-bedroom, 2-bath home gives you nearly 1,700 square feet on just over a quarter acre, with NO HOA, in an area where newer homes aren't an easy find. Inside, the floor plan is open where you want it and separated where it matters with high ceilings and lots of natural light. The kitchen sits right in the middle of daily life, with an oversized island that's built for everything from 6 a.m. coffee to homework after school to midnight pizza. The primary suite gets its own side of the house, with the other two bedrooms across the way, so everyone has a space of their own. And beyond the things you notice right away, there are plenty of thoughtful details throughout. Energy Star-rated windows and doors, updated appliances, LED under-cabinet and toe-kick lighting, a zero-entry walk-in shower with rainfall shower head, custom window sills, a security system, and custom hurricane shutters that stay with the home. Out back, the covered lanai overlooks a large, fully fenced yard with mature oaks and plenty of room to actually use it. Raised garden beds are already in place, with room for a game of catch, a swing set, a dog with the zoomies, a fire pit with friends, or even a pool. Then there’s what’s waiting at the end of the street. Lakefront Park is one block away. Morning walks along Lake Tohopekaliga. Cooling off at the splash pad. Fishing off the pier. Putting the boat in at the ramp. Walking down for dinner or one of the events along the waterfront. It’s close enough that you don’t have to make a plan to enjoy it. It can just be part of your day. Downtown Saint Cloud is just minutes away, with local restaurants, coffee shops, shopping, the movie theater, and community events throughout the year. Lake Nona, Medical City, Orlando International Airport, and the 417 are all within easy reach. It’s the kind of location that gives you a little less hustle and bustle, without feeling disconnected from everything else Central Florida has to offer. Close to everything you need, and a lake practically in your backyard. It’s hard to beat that.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,689
Sqft
0.26 ac
Lot size
2
Garage
2017
Year built
One
Levels
$236
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.
$2,969 /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
$2,969/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
+10.8%
$/sqft vs ST CLOUD 2ND TOWN OF
$236 vs $245
Days on market
3 vs 46 typical
Where $236/sqft sits among the 27 homes for sale in ST CLOUD 2ND TOWN OF
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
$412K → $392K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
14 of 27
ST CLOUD 2ND TOWN OF have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 51% 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 213 NEW YORK AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$415,000
425 WISCONSIN AVENUE · same community
3 bd · 2 ba · 1,726 sqft · $240/sqft · 11 DOM
Sold · Sep ’25$370,000
135 GEORGIA AVENUE · same community
4 bd · 2 ba · 1,622 sqft · $228/sqft · 29 DOM
Sold · Dec ’25$409,900
1503 WISCONSIN AVE · same community
3 bd · 3 ba · 1,765 sqft · $232/sqft · 43 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 213 NEW YORK AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 213 NEW YORK AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
213 NEW YORK AVENUE FAQs
What would the monthly payment be for 213 NEW YORK AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,969/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 213 NEW YORK AVENUE?+
The most recent tax bill on record (2025) was $3,398. 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 $399,000, this home is listed about 6% 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 213 NEW YORK 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 REAL BROKER, LLC · Chad Vaughan. MLS #O6433045.
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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