200 16TH STREET, ST CLOUD, FL, 34769
Active15 days on marketListed Sep 25, 2026MLS #O6444206
About this home
200 16TH STREET
Welcome to this charming corner-lot haven in the heart of St. Cloud! Thoughtfully updated for total peace of mind, this light-filled 2-bedroom, 1-bath residence features a brand-new roof, new central A/C, and fully inspected electrical systems so you can unpack and immediately start living your best life. Step inside to an open, inviting living space that seamlessly connects to a sunny, functional kitchen—perfect for quiet morning coffees or hosting intimate weekend gatherings. The desirable split bedroom plan offers maximum privacy, while the dedicated interior laundry area adds effortless everyday convenience. Outside, your private, fully fenced backyard sanctuary awaits, complete with a generous concrete patio ideal for alfresco dining, gardening, or cozy evenings under the stars with family and pets. Located just minutes from the vibrant St. Cloud lakefront park, historic downtown dining, and Lake Nona, this darling home blends peaceful sanctuary with unbeatable convenience.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
996
Sqft
0.17 ac
Lot size
1962
Year built
One
Levels
$251
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.
$2,058 /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
$2,058/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
−6.7%
$/sqft vs St Cloud actives
$251 vs $211
Days on market
15 vs 65 typical
Where $251/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
$412K → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
227 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 200 16TH 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
Shawn Lewis
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 200 16TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 200 16TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
200 16TH STREET FAQs
What would the monthly payment be for 200 16TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,058/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 200 16TH STREET?+
The most recent tax bill on record (2025) was $3,788. 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 200 16TH 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 $250,000, this home is listed about 42% below the St Cloud median of $429,000. The market section on this page shows how the area is trending.
Which schools are assigned to 200 16TH 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.
Keep looking
Similar homes nearby
Listing courtesy of MARK SPAIN REAL ESTATE · Alan Bloom. MLS #O6444206.
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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