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Overview

2 bd1 ba940 sqftSingle Family
TypeSingle Family
HOANone listed
Built1925
Lot7,492 sqft
Living area940 sqft
Price / sqft$159

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About this home

Living Room/Dining Room ComboPrimary Bedroom Main FloorThermostatPrivate MailboxDishwasherMicrowaveRangeRefrigerator

433 Pennsylvania Ave is a 1925-built home in St Cloud 2nd Town Of, St Cloud. Inside you'll find 2 bedrooms, 1 bathrooms, and 940 square feet of living space. Listed at $149,500 (about $159/sqft), 406 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Short Sale. Discover a rare investment gem nestled between Lake Toho and Downtown St. Cloud—a distressed property, fixer-upper, and short sale offering boundless potential. This 2 bedroom, 1 bathroom, approximately 940 sq ft single-family home rests on about a 7,405 sq ft lot and was originally built in 1925. There is a separate garage with a shower unit. Calling all investors and contractors: bring your vision, your crew, and your offers. Properties like this in prime locations are rare.

The essentials

Built
1925
Price / sqft
$159
On market
406 days
Annual tax
$4,306
Flood zone
X · Low risk
Lot
7,492 sqft
Type
Single Family Residence

At a glance

Single family
Built 1925
7,492 sqft lot
Lot size
940 sqft
Living area

Payment

Est. monthly payment
$1,214/mo
Down payment (20%)
$29,900
Property taxes
$359/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1925
Lot
7,492 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
406
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Thermostat
Private Mailbox
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2024)
$4,306
Parcel #
01-26-30-0001-0373-0065

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
St Cloud 2nd Town Of
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
7,492 sqft

Price history

Date
Event
Price
9/30/2026
Price change
Source: Stellar MLS #O6341936
$149,500-16.7%
$159/sqft
-
Price change
Source: Stellar MLS #O6341936
$179,450+5.6%
$191/sqft
9/5/2025
Listed for sale
Source: Stellar MLS #O6341936
$170,000
$181/sqft

Neighborhood

433 Pennsylvania Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $149,500
$149,000 – $149,500
99.5% – 100% of listTops out right at the list price
80% of listList price
91 of the last 159 home closings in 34769 landed at this number or higher (57%). The median one sat 35 days before it went under contract, and this one is on day 406 after a $20,500 cut.

Sample: 159 closed home sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,213/mo
Principal & interest$780
Property taxes$359
Insurance$75
Down payment20% · $29,900
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$149,500

$159 per sq ft

Beds and baths

2 beds, 1 baths

Size

940 sq ft

Time on market

406 days

Year built

1925

Monthly payment

About $1,214/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,306 annual tax bill, insurance.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byMY REALTY GROUP, LLC.Listing agent: Naomi EmbletonListing data from Stellar MLS, MLS# O6341936.

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