890 E 19TH STREET, ST CLOUD, FL, 34769
Active82 days on marketListed May 2, 2026MLS #S5146829
About this home
890 E 19TH STREET
• PRICE REDUCED!! • This beautifully FRESHLY PAINTED home features 4 bedrooms and 3.5 bathrooms, including two spacious primary suites—a rare and highly desirable layout. The main Primary Suite offers exceptional comfort with an oversized vanity, two separate toilet areas (his and hers), an expansive walk-in shower, and dual walk-in closets. The secondary full suite provides generous space and privacy as well, making it ideal for multigenerational living, guests, or extended family. The interior showcases elegant granite countertops and ceramic tile flooring throughout, creating a modern, cohesive, and low-maintenance environment. Step outside to an oversized, fully fenced backyard, perfect for gatherings, pets, gardening, or future outdoor projects. The extended driveway provides ample parking, and the covered rear lanai is the perfect place to enjoy Florida’s breathtaking sunrises and sunsets. Conveniently located just half a mile from local stores, this home offers the best of suburban living while keeping everyday essentials and major attractions within easy reach. Move-in ready and waiting for its new owner to enjoy the perfect blend of comfort, space, and convenience.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,123
Sqft
0.3 ac
Lot size
2
Garage
2023
Year built
One
Levels
$214
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.
$3,663 /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
$3,663/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
+11.9%
Days on market
82 vs 33 typical
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 890 E 19TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 890 E 19TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
890 E 19TH STREET FAQs
What would the monthly payment be for 890 E 19TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,663/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 890 E 19TH STREET?+
The most recent tax bill on record (2025) was $7,482. 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 $455,000, this home is listed about 7% 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 890 E 19TH 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
$455,000 runs 72% above the ST CLOUD 34769 median.
02Time on market is leverage
82 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 $495,000, now $455,000 — a $40K cut. The full history is in the market section below.
Listing courtesy of LA ROSA REALTY LLC · Alex Macherione. MLS #S5146829.
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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