430 FLORIDA AVENUE, ST CLOUD, FL, 34769
Active16 days on marketListed Oct 22, 2026MLS #S5159922
About this home
430 FLORIDA AVENUE
Fall in love with this stunning, MOVE-IN READY 4-bedroom, 2.5-bath pool home in beautiful St. Cloud! Blending timeless character with modern comforts, this exceptional property sits on a HUGE .34-acre lot with alley access, offering space, flexibility, and the freedom of NO HOA and a SCREENED POOL. Step inside and discover the attention to detail and thoughtful improvements throughout. The gorgeous kitchen is sure to impress with gleaming white cabinetry, beautiful granite countertops, stainless steel appliances, and plenty of storage and workspace. Additional structural improvements include a new I-beam and floor joists in the kitchen and hallway. Enjoy added peace of mind with a 2024 ROOF, new windows, newer AC and ductwork, and convenient smart home features. The spacious floor plan offers four bedrooms and room to accommodate a variety of needs, whether you're looking for extra space to work, relax, or entertain. The primary bedroom with en-suite bathroom and one other bedroom are conveniently located on the first floor, two other bedrooms and a half bathroom are located upstairs. When it's time to unwind, open the French doors and step outside to your screened-in pool, where you can swim, lounge, and enjoy the Florida sunshine year-round. The expansive, tree-shaded yard provides even more room to entertain, garden, or simply enjoy the outdoors. Parking and storage are a bonus, with a detached one-car garage and a carport offering space for two additional vehicles. The location is just as impressive! Take a short stroll to downtown St. Cloud to explore local shops, restaurants, and charming neighborhood favorites, or head to Lakefront Park on the shores of East Lake Tohopekaliga for waterfront views and outdoor recreation. Enjoy convenient access to shopping, dining, Lake Nona's Medical City, area attractions, and Florida's beautiful beaches. Four bedrooms, a screened-in pool, a huge lot, valuable updates, and NO HOA make this St. Cloud gem a must-see! Don't miss your opportunity to enjoy the space, convenience, and lifestyle you've been looking for. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,244
Sqft
0.34 ac
Lot size
1
Garage
1936
Year built
Two
Levels
$218
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.
$4,087 /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
$4,087/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
+28.8%
$/sqft vs ST CLOUD 2ND TOWN OF
$218 vs $252
Days on market
16 vs 53 typical
Where $218/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 91% 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 430 FLORIDA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$415,000
330 MONTANA AVENUE · same community
4 bd · 3 ba · 2,046 sqft · $203/sqft · 61 DOM
Sold · Sep ’26$398,000
213 NEW YORK AVENUE · same community
3 bd · 2 ba · 1,689 sqft · $236/sqft · 5 DOM
Sold · Jul ’26$355,000
431 MICHIGAN AVENUE · same community
3 bd · 2 ba · 1,652 sqft · $215/sqft · 47 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 430 FLORIDA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 FLORIDA 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
430 FLORIDA AVENUE FAQs
What would the monthly payment be for 430 FLORIDA AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,087/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 430 FLORIDA 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 $490,000, this home is listed about 16% above the St Cloud median of $422,990. The market section on this page shows how the area is trending.
Which schools are assigned to 430 FLORIDA 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 #S5159922.
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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