326 E 13TH STREET, ST CLOUD, FL, 34769
Active148 days on marketListed Feb 23, 2026MLS #S5143567
About this home
326 E 13TH STREET
Development-ready .63-acre commercial site with CITY APPROVAL for an 8,200 SF two-story building. Includes DOT approval, SDP approval, and strong frontage exposure with 48,000 AADT. Utilities available within close proximity. Wide range of approved uses: bakery, restaurant, retail, bank, medical/dental, gym, professional office, veterinary clinic, laundromat, car wash, automobile tire shop, church and much more. Rare opportunity to deliver a fully entitled project in a high-traffic location.
Facts & features
The home at a glance
0.63 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.
$4,478 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,478/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 151% 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 326 E 13TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$125,000
1704 MISSOURI AVENUE · same community
3 bd · 2 ba · 1,056 sqft · $118/sqft · 104 DOM
Sold · Dec ’25$360,000
413 EASTERN AVENUE · same community
3 bd · 2 ba · 1,160 sqft · $310/sqft · 37 DOM
Sold · Aug ’25$375,000
431 EASTERN AVE · same community
3 bd · 2 ba · 1,184 sqft · $317/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
Arlinda Gokyar
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 326 E 13TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 326 E 13TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
326 E 13TH STREET FAQs
What would the monthly payment be for 326 E 13TH STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,478/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 326 E 13TH STREET?+
The most recent tax bill on record (2025) was $4,105. 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 $689,000, this home is listed about 62% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 326 E 13TH 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
01Positioned at the premium end
$689,000 runs 151% above the ST CLOUD 34769 median.
02Time on market is leverage
148 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $750,000, now $689,000 — a $61K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of IRON VALLEY REAL ESTATE OSCEOLA · Tiffany Licata. MLS #S5143567.
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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