1517 MISSOURI, ST CLOUD, FL, 34769
Active143 days on marketListed Mar 3, 2026MLS #S5144626
About this home
1517 MISSOURI
Virtually Staged. Unique Investment Opportunity in the Heart of St. Cloud! This property represents the dream for any investor, family, or savvy buyer looking to maximize their investment potential. Situated on an oversized lot in the coveted "State Streets," this property offers flexibility, location, and profitability with no HOA restrictions. Property Highlights: A solid-construction, well-distributed 2-bedroom, 2-bathroom home, move-in ready. Carefully updated with a newer AC unit, kitchen, washer, and dryer—all in like-new condition—offering the comfort of a modern home that blends durability, history, and high potential for steady appreciation. Detached Multi-Use Space: A block-construction garage transformed into a private studio with a full bathroom, air conditioning, and elegant wood ceilings. Equipped with a refrigerator and microwave, this space offers unlimited potential as a private office, personal retreat, and more. Oversized Lot Versatility: Enjoy a spacious and private outdoor area. Thanks to its direct Alley Access, the property provides unparalleled convenience for parking an RV, boat, or additional vehicles. RV Connection: This space includes an RV hookup and currently houses an operational RV (2025 model). Note: The RV is not included in the sale price, but the owner is open to negotiating its inclusion through a separate Bill of Sale, offering the buyer an opportunity to acquire an asset. This property is more than just a home; it is a tool with great rental income potential. Strategically located near shopping and major roads, it offers the perfect balance between the tranquility of a historic neighborhood and the profitability of a multifunctional asset. Don’t miss this strategic opportunity! Contact us today to schedule your private showing. Buyer must conduct their own due diligence regarding measurements and zoning. Please submit all offers with proof of funds or a pre-approval letter to the listing agent.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
995
Sqft
0.16 ac
Lot size
2
Garage
1949
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.
$2,034 /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
$2,034/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.
$/sqft vs ST CLOUD 2ND TOWN OF
$251 vs $246
Days on market
143 vs 33 typical
Where $251/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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
15 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 6% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1517 MISSOURI
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$295,000
1612 EASTERN AVENUE · same community
3 bd · 1 ba · 1,001 sqft · $295/sqft · 0 DOM
Sold · Apr ’26$305,000
206 MONTANA AVENUE · same community
3 bd · 2 ba · 1,036 sqft · $294/sqft · 4 DOM
Sold · Jun ’26$245,000
218 10TH STREET · same community
3 bd · 1 ba · 1,039 sqft · $236/sqft · 14 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1517 MISSOURI — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1517 MISSOURI — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1517 MISSOURI FAQs
What would the monthly payment be for 1517 MISSOURI?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,034/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 1517 MISSOURI?+
The most recent tax bill on record (2025) was $3,512. 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 $249,900, this home is listed about 41% 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 1517 MISSOURI?+
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
01Under the ST CLOUD 34769 market on paper
$249,900 is 6% below the ST CLOUD 34769 median of $265,000.
02Time on market is leverage
143 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 $275,000, now $249,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AGENT TRUST REALTY CORPORATION · Juan Gonzalez. MLS #S5144626.
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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