112 10TH STREET, ST CLOUD, FL, 34769
Active2 days on marketListed Oct 8, 2026MLS #S5159072
About this home
112 10TH STREET
Welcome to your private, energy-efficient oasis in the heart of St. Cloud! This charming 3-bedroom, 2-bathroom BLOCK home features NO HOA and is the perfect starter home or downsizing option for anyone seeking safety, low maintenance, and massive utility savings. Say goodbye to high electric bills—36 SOLAR PANELS (to be paid off in full at closing), new hurricane-rated windows (2019), an 18-SEER high-efficiency HVAC with new ductwork (2019), and a heat pump water heater (2021) keep the average electric bill at less than $100! The roof was installed in 2016, electric panel has been updated and plumbing was updated prior to the sellers purchasing. Designed for easy upkeep without sacrificing lifestyle, the functional split floor plan boasts fresh interior paint, a brand-new insulated garage door, and durable finishes throughout. The lovely kitchen includes stainless steel appliances including a high-efficiency dishwasher, a breakfast bar, and custom slide-out cabinets. It connects seamlessly to a large utility/pantry room packed with custom storage and laundry hookup. The dining area is just off the kitchen and also leads to the screened porch and pool. The primary bedroom features a private en-suite bath, while the cozy guest rooms offer flexibility for children, an office, or a den. Both bathrooms also have brand-new toilets. Out back, enjoy low-maintenance luxury with a private, screened-in pool (new pump and heater in 2020) and a beautifully equipped greenhouse featuring power, water, growing lights, a fan and two growing pergolas. The fenced backyard is the perfect place for the kids or pets to play safely. A shallow well and sprinkler system keep your garden lush for pennies, while a storage shed with electric handles your extra tools. Location is everything! This home sits in great proximity to the vibrant St. Cloud Lakefront and downtown, putting excellent shopping and local restaurants right at your fingertips. Golf carts are allowed in this area of town too! You are located in a top-rated district with great schools, and are just a short drive away from Central Florida's world-famous attractions and beautiful beaches. This secure, cost-saving gem offers ultimate peace of mind and effortless living, make your appointment to see it today! Some photos are virtually staged.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,350
Sqft
0.22 ac
Lot size
1980
Year built
One
Levels
$244
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.
$2,482 /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
$2,482/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
−5.2%
$/sqft vs ST CLOUD 2ND TOWN OF
$244 vs $244
Days on market
2 vs 65 typical
Where $244/sqft sits among the 24 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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
14 of 24
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 32% 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 112 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 · Jul ’26$310,000
224 MICHIGAN AVENUE · same community
2 bd · 1 ba · 1,382 sqft · $224/sqft · 20 DOM
Sold · Dec ’25$300,000
512 MARYLAND AVENUE · same community
3 bd · 2 ba · 1,396 sqft · $215/sqft · 174 DOM
Sold · Dec ’25$365,000
29 CYPRESS AVENUE · same community
3 bd · 2 ba · 1,398 sqft · $261/sqft · 12 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 112 10TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 112 10TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
112 10TH STREET FAQs
What would the monthly payment be for 112 10TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,482/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 112 10TH STREET?+
The most recent tax bill on record (2025) was $2,797. 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 $330,000, 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 112 10TH 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
$330,000 runs 32% above the ST CLOUD 34769 median.
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 2 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 · Chris Burnette. MLS #S5159072.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 112 10TH STREET but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Zack to ping you on any price or status change →