407 TENNESSEE AVENUE, ST CLOUD, FL, 34769
Active3 days on marketListed Aug 1, 2026MLS #S5154832
About this home
407 TENNESSEE AVENUE
Beautifully updated and ideally located just moments from the St. Cloud Lakefront, this inviting home offers convenient access to the public beach, boat ramp, walking and biking paths, playground, splash pad, waterfront restaurant, and downtown St. Cloud. Step inside to a spacious living room that flows seamlessly into the dining area, creating an inviting space for everyday living and entertaining. The beautiful kitchen features butcher block countertops, stainless steel appliances, a vent hood, and updated finishes. Just beyond the dining area, the expansive air-conditioned Florida room significantly expands the home's living space and is perfect for a second living area, home office, playroom, hobby room, or fitness area. Step outside to the fully fenced backyard where a sprawling mature shade tree creates a beautiful backdrop for relaxing and entertaining. A 12' x 17' stamped concrete patio and fire pit complete the outdoor living space, while the 20' x 20' detached storage building provides flexible space for storage, hobbies, or a workshop and may offer the opportunity for future conversion into an in-law suite or apartment, subject to applicable zoning and permitting requirements. The covered carport, attached utility room, and included washer and dryer add everyday convenience. Major improvements provide peace of mind, including a new air conditioning system installed in 2023, a new roof in 2024, and the beautifully remodeled kitchen completed in 2026. Combining thoughtful updates, a spacious backyard designed for relaxing and entertaining, and an outstanding location near the St. Cloud Lakefront, this move-in-ready home is ready for its next owner.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,516
Sqft
0.22 ac
Lot size
1972
Year built
One
Levels
$217
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.
$2,425 /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
$2,425/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
$217 vs $246
Days on market
3 vs 43 typical
Where $217/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
$412K → $407K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
17 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 22% 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 407 TENNESSEE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$269,000
706 MASSACHUSETTS AVENUE · same community
3 bd · 1.5 ba · 1,516 sqft · $177/sqft · 74 DOM
Sold · Jan ’26$353,000
100 TENNESSEE AVENUE · same community
4 bd · 2 ba · 1,544 sqft · $229/sqft · 79 DOM
Sold · Jun ’26$315,000
1000 JERSEY AVENUE · same community
3 bd · 2 ba · 1,479 sqft · $213/sqft · 8 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
Gianfranco Di Flumeri Petrelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 407 TENNESSEE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 407 TENNESSEE AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
407 TENNESSEE AVENUE FAQs
What would the monthly payment be for 407 TENNESSEE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,425/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 407 TENNESSEE AVENUE?+
The most recent tax bill on record (2025) was $2,187. 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 407 TENNESSEE 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 $329,000, this home is listed about 23% 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 407 TENNESSEE 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.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA PINES REALTY, LLC · Steven Durrance. MLS #S5154832.
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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