405 COLUMBIA AVENUE, ST CLOUD, FL, 34769
Active2 days on marketListed Oct 8, 2026MLS #S5159117
About this home
405 COLUMBIA AVENUE
Virtually Staged. Charming "Home Sweet Home" Built by Snow Construction , With Screened In-groud Pool with new pump & filter 3 years ago for those amazing family and friends gatherings. Newer Roof 2024. Newer windows 2014. New A/C 2023. Kitchen and bathrooms Completely Updated with top Quality!! Living room features custom skylight, lots of natural lighting. Kitchen features Kenico water softener, Granite countertops, 42" custom cabinets with crown molding, pullout drawers with soft close, Large single sink, stainless steel Double oven, Microwave, Refrigerator, and Range, Newer porcelian tile flooring, Skylight for natural lighting, Pantry with custom wood slide out shelves, Ceiling fan and light. Dining room features large built-in with pullout drawers, glass insert cabinets and under counter lights, lots of storage. French doors lead to the pool for your morning coffee and entertaining in your private fully fenced in back yard with landscaping, Shed and large screened in deck and in-ground pool. Primary Bedroom with french doors to your outside Oasis. Ensuite primary bathroom with new custom tiled shower and granite countertops. Second bathroom features vanity cabinet and vanity with sink. Home is located walking distance from lakeshore, shops and resturants. Call today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,662
Sqft
0.21 ac
Lot size
1993
Year built
One
Levels
$229
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.
$2,664 /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
$2,664/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
−5.3%
$/sqft vs St Cloud actives
$229 vs $211
Days on market
2 vs 65 typical
Where $229/sqft sits among the 399 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 → $399K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
224 of 399
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 52% 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 405 COLUMBIA AVENUE
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$405,000
708 VIRGINIA AVENUE · same community
4 bd · 2.5 ba · 1,714 sqft · $236/sqft · 49 DOM
Sold · Aug ’26$320,000
437 CAROLINA AVENUE · same community
3 bd · 2 ba · 1,508 sqft · $212/sqft · 19 DOM
Sold · Sep ’26$325,000
6 17 TH ST · same community
3 bd · 2 ba · 1,378 sqft · $236/sqft · 131 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 405 COLUMBIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 405 COLUMBIA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
405 COLUMBIA AVENUE FAQs
What would the monthly payment be for 405 COLUMBIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,664/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 405 COLUMBIA AVENUE?+
The most recent tax bill on record (2025) was $1,192. 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 405 COLUMBIA 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 $379,900, this home is listed about 11% 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 405 COLUMBIA 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.
The brief
Three things that matter here
01Positioned at the premium end
$379,900 runs 52% 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 WEICHERT REALTORS HALLMARK PRO · Sherry Feck. MLS #S5159117.
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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