438 VIRGINIA AVENUE, ST CLOUD, FL, 34769
Active16 days on marketListed Oct 22, 2026MLS #S5159921
About this home
438 VIRGINIA AVENUE
Discover the perfect blend of timeless charm and modern luxury in this beautifully renovated St. Cloud home! Ideally situated on a spacious .26-acre corner lot with NO HOA, this inviting property offers stylish updates, flexible living spaces, and an unbeatable location just a short walk from downtown shopping, dining, and the St. Cloud Lakefront. Step inside to a light-filled, open-concept floor plan designed to maximize space, comfort, and functionality. The stunning kitchen is a true showstopper, featuring elegant quartz countertops, sleek white cabinetry, stainless steel appliances, a BRAND NEW induction cooktop with convection oven, and a NEW dishwasher with a stainless steel interior. The spacious primary suite offers a relaxing retreat with a private en-suite bathroom and double vanity. An additional bedroom, a versatile bonus room ideal for a potential third bedroom, and a separate office provide endless possibilities for guests, hobbies, working from home, or fitness. Enjoy added peace of mind with a BRAND NEW ROOF installed this spring, including new fascia, gutters, soffit, and downspouts. The HVAC system was also upgraded this year with all-new components, motor, and coils, while spray foam attic insulation helps improve energy efficiency and year-round comfort. Outside, the expansive, tree-shaded yard is perfect for entertaining, relaxing, or enjoying the Florida lifestyle. The property also features a patio, detached garage with additional storage, and a carport, offering plenty of room for vehicles, recreational equipment, and all your extras. Conveniently located near shopping, dining, local attractions, Medical City in Lake Nona, and the Spacecoast's beautiful beaches, this MOVE-IN READY gem combines character, thoughtful upgrades, and exceptional flexibility in one desirable package. No HOA, a generous lot, and modern improvements make this St. Cloud home a must-see! Schedule your private showing today! *Home is occupied, unfurnished photos are prior to the seller decorating and moving in.*
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,275
Sqft
0.26 ac
Lot size
1946
Year built
One
Levels
$266
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.
$2,983 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,983/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+1.4%
$/sqft vs ST CLOUD 2ND TOWN OF
$266 vs $248
Days on market
16 vs 53 typical
Where $266/sqft sits among the 29 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
30,204
Median age
35.4
Median income
$67,148
Median home value
$313,300
Avg household
2.86
Households w/ children
3,391
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
$411K → $385K
St Cloud median sold, yr/yr
98.6%
Sale-to-list ratio (12 mo)
14 of 29
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 438 VIRGINIA 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$335,000
319 MINNESOTA AVENUE · same community
3 bd · 2 ba · 1,275 sqft · $263/sqft · 32 DOM
Sold · May ’26$280,000
1820 6TH STREET · same community
3 bd · 2 ba · 1,260 sqft · $222/sqft · 5 DOM
Sold · Jul ’26$310,000
224 MICHIGAN AVENUE · same community
2 bd · 1 ba · 1,382 sqft · $224/sqft · 20 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 438 VIRGINIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 438 VIRGINIA AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
438 VIRGINIA AVENUE FAQs
What would the monthly payment be for 438 VIRGINIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,983/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 438 VIRGINIA AVENUE?+
The most recent tax bill on record (2025) was $4,149. 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 $339,000, this home is listed about 20% below the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 438 VIRGINIA AVENUE?+
Harmony High School (high), Hickory Tree Elementary School (elementary), 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 GODWIN REALTY GROUP · Chris Burnette. MLS #S5159921.
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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