431 JERSEY AVENUE, ST CLOUD, FL, 34769
Active10 days on marketListed Sep 30, 2026MLS #O6446020
About this home
431 JERSEY AVENUE
Prime St. Cloud location meets everyday comfort and spacious outdoor living in this 3-bedroom, 2-bath home situated on a generous 0.34-acre lot. Inside, the spacious living room flows naturally into the dining area and kitchen, creating an inviting central gathering space. The kitchen features stainless steel appliances, abundant cabinetry, and ample counter space for both meal preparation and entertaining. The split-bedroom floor plan offers comfortable separation, with spacious secondary bedrooms and a private primary suite featuring its own sliding glass door, en-suite bathroom with a walk-in shower, and a spacious walk-in closet. A fully enclosed Florida room with its own wall-unit A/C provides additional flexible living space and overlooks the expansive, fully fenced backyard. Outside, the 0.34-acre lot provides plenty of room to enjoy the Florida sunshine and make the most of the spacious backyard. The roof was replaced in 2019, and the water heater was replaced in 2026. Just blocks from Lakefront Park Marina and the shores of East Lake Tohopekaliga, this home is also conveniently located near Costco, dining, shopping, recreation, and more. With its spacious layout, generous lot, and prime location, this St. Cloud home offers a fantastic combination of comfort, flexibility, and convenience. Mortgage savings may be available for buyers of this listing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,519
Sqft
0.34 ac
Lot size
2
Garage
1988
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.
$2,723 /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
$2,723/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
+16.9%
$/sqft vs ST CLOUD 2ND TOWN OF
$236 vs $244
Days on market
10 vs 65 typical
Where $236/sqft sits among the 25 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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
14 of 25
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 44% 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 431 JERSEY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$269,000
706 MASSACHUSETTS AVENUE · same community
3 bd · 1.5 ba · 1,516 sqft · $177/sqft · 74 DOM
Sold · Feb ’26$195,000
922 DELAWARE AVENUE · same community
3 bd · 1.5 ba · 1,420 sqft · $137/sqft · 3 DOM
Sold · Jun ’26$330,000
407 WYOMING AVENUE · same community
3 bd · 2 ba · 1,624 sqft · $203/sqft · 24 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
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 431 JERSEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 431 JERSEY AVENUE — 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
431 JERSEY AVENUE FAQs
What would the monthly payment be for 431 JERSEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,723/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 431 JERSEY AVENUE?+
The most recent tax bill on record (2025) was $3,489. 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 431 JERSEY AVENUE?+
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 $359,000, this home is listed about 16% 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 431 JERSEY 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 REDFIN CORPORATION · Pablo Cintron, Jr PA. MLS #O6446020.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 431 JERSEY AVENUE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kemarie to ping you on any price or status change →