1355 E 10TH STREET, ST CLOUD, FL, 34771
Active4 days on marketListed Oct 6, 2026MLS #S5158410
About this home
1355 E 10TH STREET
UPDATED POOL HOME WITH NO HOA, OVERSIZED LOT & RV/BOAT PARKING! This 3-bedroom, 2-bath St. Cloud home offers a great combination of updates and outdoor living. Situated on a spacious .37-ACRE LOT with NO HOA or ASSOCIATION FEES and NOT in FLOOD ZONE, there’s room for your boat, trailer or RV—and plenty of backyard space to enjoy the private pool and screened lanai. Step inside to a bright, open great room plan where the kitchen flows seamlessly into the dining and living areas beneath a vaulted ceiling. The updated kitchen features granite countertops, tile backsplash, stainless steel appliances and updated fixtures. NO CARPET—easy-care laminate and tile flooring run throughout. The split-bedroom floor plan offers a private primary suite with walk-in closet and updated en-suite bath featuring a new vanity and fixtures. Two additional bedrooms share a FULLY REMODELED GUEST BATH with new vanity, flooring, tiled shower, fixtures and skylight. French doors with built-in blinds open to a spacious screened lanai overlooking the fully fenced backyard and large in-ground swimming pool—perfect for enjoying Florida outdoor living. The pool deck has been freshly painted, and a NEW POOL PUMP WAS INSTALLED IN 2026. A storage shed provides additional space for outdoor equipment. BRING THE BOAT, TRAILER OR RV! Extended parking includes a dedicated RV pad with 30-AMP ELECTRICAL SERVICE AND RV SEPTIC CONNECTION. The attached garage currently has a removable divider wall, offering flexibility to return the space to its original configuration. Major improvements include ALL-NEW WINDOWS AND EXTERIOR DOORS, NEW WATER HEATER, ROOF LESS THAN SIX YEARS OLD, REPLUMBED PLUMBING, FRESH INTERIOR AND EXTERIOR PAINT, WATER SOFTENER AND GUTTERS. The property is served by CITY WATER AND SEPTIC. With an oversized lot, private pool, extensive updates, RV/boat accommodations and NO HOA, this one has so much to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,320
Sqft
0.38 ac
Lot size
2
Garage
1984
Year built
One
Levels
$295
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.
$2,892 /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
$2,892/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
+5.1%
$/sqft vs St Cloud actives
$295 vs $211
Days on market
4 vs 65 typical
Where $295/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 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
226 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 6% below the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1355 E 10TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$365,000
1220 MYRTLE AVENUE · same community
3 bd · 2.5 ba · 1,544 sqft · $236/sqft · 14 DOM
Sold · Sep ’26$495,000
1192 LIZA STREET · same community
4 bd · 2 ba · 1,770 sqft · $280/sqft · 20 DOM
Sold · May ’26$260,000
2437 YELLOW BRICK ROAD
2 bd · 2 ba · 1,346 sqft · $193/sqft · 107 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1355 E 10TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1355 E 10TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1355 E 10TH STREET FAQs
What would the monthly payment be for 1355 E 10TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,892/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 1355 E 10TH STREET?+
The most recent tax bill on record (2025) was $3,167. 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 1355 E 10TH STREET?+
The listing reports pets: Cats OK, Dogs OK, 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 $390,000, this home is listed about 9% 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 1355 E 10TH STREET?+
Narcoossee Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — 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 34771 market on paper
$390,000 is 6% below the ST CLOUD 34771 median of $414,990.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 4 days on market in a St Cloud market that averages 65 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of GODWIN REALTY GROUP · Melissa Godwin. MLS #S5158410.
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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