1400 CAROLINA AVE, ST CLOUD, FL, 34769
Active10 days on marketListed Oct 28, 2026MLS #S5160391
About this home
1400 CAROLINA AVE
CHARMING ST. CLOUD HOME WITH CHARACTER, EXTRA STORAGE & NO HOA! Priced at $279,900, this charming 2-bedroom, 2-bath home in St. Cloud’s desirable State Streets area offers character, functionality, and unique features that make it stand out! Step inside and appreciate the warmth of real wood floors, real wood cabinetry, and built-in storage that add character and practical convenience throughout the home. Enjoy added peace of mind with a newer roof and A/C unit. Outside, the corner lot features a fenced yard, a carport, and a screened-in back porch—an inviting space to relax and enjoy the outdoors. Need extra room for storage, hobbies, or your additional belongings? This property also offers a separate storage room and an outdoor full bathroom, providing added versatility. With 900 square feet of living space and NO HOA, this home offers a variety of appealing features in the heart of St. Cloud. If you’re looking for a property with character, useful extras, and room to make it your own, this one is worth a closer look! Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
920
Sqft
0.26 ac
Lot size
1955
Year built
One
Levels
$304
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.
$2,473 /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
$2,473/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
+6.2%
$/sqft vs ST CLOUD 2ND TOWN OF
$304 vs $248
Days on market
10 vs 53 typical
Where $304/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 9% 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 1400 CAROLINA AVE
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$260,000
1508 KENTUCKY AVENUE · same community
2 bd · 1 ba · 876 sqft · $297/sqft · 0 DOM
Sold · Nov ’25$215,000
402 10TH STREET · same community
2 bd · 1 ba · 868 sqft · $248/sqft · 49 DOM
Sold · Apr ’26$305,000
206 MONTANA AVENUE · same community
3 bd · 2 ba · 1,036 sqft · $294/sqft · 4 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1400 CAROLINA AVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1400 CAROLINA AVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1400 CAROLINA AVE FAQs
What would the monthly payment be for 1400 CAROLINA AVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,473/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 1400 CAROLINA AVE?+
The most recent tax bill on record (2025) was $3,211. 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 $279,900, this home is listed about 34% 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 1400 CAROLINA AVE?+
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 TIE TEAM REALTY LLC · Chris Woeste. MLS #S5160391.
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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