1819 KENTUCKY AVENUE, ST CLOUD, FL, 34769
Active321 days on marketListed Sep 17, 2025MLS #S5134879
About this home
1819 KENTUCKY AVENUE
Ready to build your new home!!! You pick your builder with this amazing 2.95 cleared acres with over 20 fruit trees including 7 Mangos, 7 sugar apple tree, lemon, guava , tamarind, bananas and coconut trees. Easy access to shopping, hospital, restaurants and more.
Facts & features
The home at a glance
2.95 ac
Lot size
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.
$2,130 /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
$2,130/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.
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 → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% 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 1819 KENTUCKY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$100,000
841 ROBINSON COURT · same community
2 bd · 1 ba · 784 sqft · $128/sqft · 8 DOM
Sold · Apr ’26$160,000
829 MCKAY STREET · same community
2 bd · 2 ba · 924 sqft · $173/sqft · 76 DOM
Sold · May ’26$125,000
820 ROBINSON AVENUE · same community
3 bd · 2 ba · 960 sqft · $130/sqft · 38 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1819 KENTUCKY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1819 KENTUCKY AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1819 KENTUCKY AVENUE FAQs
What would the monthly payment be for 1819 KENTUCKY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,130/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 1819 KENTUCKY AVENUE?+
The most recent tax bill on record (2024) was $2,382. 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 1819 KENTUCKY 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 $279,900, this home is listed about 35% 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 1819 KENTUCKY 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.
The brief
Three things that matter here
01Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
321 days on market against a St Cloud median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $329,900, now $279,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Norquy Pagan. MLS #S5134879.
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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