2696 SHELBY RUTH PLACE, ST CLOUD, FL, 34769
Active27 days on marketListed Jul 9, 2026MLS #S5153341
About this home
2696 SHELBY RUTH PLACE
Welcome home to this beautifully maintained 2-bedroom, 2-bath townhome with a 1-car garage in the desirable Tradition Townhomes community of St. Cloud. This move-in-ready home offers approximately 1,249 square feet of comfortable living space with soaring vaulted ceilings, wood-look luxury flooring throughout, fresh neutral paint, and an open-concept layout filled with natural light. The spacious kitchen features abundant cabinet space, a large pantry, and a charming breakfast nook—perfect for enjoying your morning coffee or casual meals. The generously sized primary suite includes an en-suite bath and direct access to the oversized screened lanai, where you can relax while enjoying peaceful green space views. Additional features include an interior laundry room with a washer and dryer, ceiling fans throughout, ample storage, and an attached one-car garage with built-in shelving. Lawn maintenance is included through the HOA, providing a low-maintenance lifestyle. Ideally located just minutes from historic Downtown St. Cloud, Lakefront Park, Orlando Health St. Cloud Hospital, shopping, dining, schools, US-192, the Florida Turnpike, Lake Nona, and Orlando International Airport, this exceptionally clean and well-maintained home offers the perfect combination of comfort, convenience, and location.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,249
Sqft
0.05 ac
Lot size
1
Garage
2015
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$175 /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
$175/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 actives
$2 vs $219
Days on market
27 vs 43 typical
Where $2/sqft sits among the 400 St Cloud actives
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 → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
211 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% 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 2696 SHELBY RUTH PLACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$205,000
2440 MISSOURI AVENUE
3 bd · 2 ba · 1,248 sqft · $164/sqft · 1 DOM
Sold · Jan ’26$277,500
3421 VILLAGE GREEN COURT
2 bd · 2 ba · 1,257 sqft · $221/sqft · 133 DOM
Sold · Aug ’25$269,900
3449 VILLAGE GREEN COURT
2 bd · 2 ba · 1,257 sqft · $215/sqft · 130 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 2696 SHELBY RUTH PLACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2696 SHELBY RUTH PLACE — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2696 SHELBY RUTH PLACE FAQs
What would the monthly payment be for 2696 SHELBY RUTH PLACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $175/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 2696 SHELBY RUTH PLACE?+
The listing reports pets: No. 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 $2,050, this home is listed about 100% 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 2696 SHELBY RUTH PLACE?+
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 PREMIUM PROPERTIES R.E SERVICE · Eugenia Hernandez. MLS #S5153341.
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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