913 Michigan Ave, photo 1
Active
1 / 19

Overview

2 bd2 ba1,383 sqftTownhouse
TypeTownhouse
HOA$375/qtr
Built1982
Lot1,655 sqft
Living area1,383 sqft
Price / sqft$152

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)SidewalkDeed RestrictionsSidewalksRangeRefrigerator

913 Michigan Ave is a 1982-built home in Vera Cruz Unit 2, St Cloud. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,383 square feet of living space. Listed at $210,000 (about $152/sqft), 232 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $375 quarterly.

From the listing

Short Sale. Quaint two-bedroom, two-bathroom single-story townhome located in the heart of Saint Cloud, just minutes from Downtown and approximately 9 blocks from the St. Cloud Lakefront. This thoughtfully designed home features dual primary suites, a covered front patio, and a spacious Florida room with insulated windows, perfect for additional living or entertaining space. The kitchen features a convenient pass-through window, a large pantry closet, included appliances, and an in-kitchen laundry area for added functionality. Interior finishes include carpet throughout the main living areas and bedrooms, with tile in all wet areas, including the kitchen. Additional features include assigned parking and a prime location near shopping, dining, parks, and waterfront amenities. Property is currently in pre-foreclosure, presenting a unique opportunity for buyers and investors alike.

The essentials

Built
1982
Price / sqft
$152
On market
232 days
Annual tax
$3,321
HOA
$375/qtr
Flood zone
X · Low risk
Lot
1,655 sqft
Type
Townhouse

At a glance

Townhouse
Built 1982
1,655 sqft lot
Lot size
1,383 sqft
Living area

Payment

Est. monthly payment
$1,602/mo
Down payment (20%)
$42,000
Property taxes
$277/mo
HOA
$375/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Townhouse
Year Built
1982
Lot
1,655 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
232
Ceiling Fans(s)
Sidewalk
Deed Restrictions
Sidewalks
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$3,321
Parcel #
01-26-30-0801-0001-0040

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
Vera Cruz Unit 2
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
1,655 sqft
HOA
$375/qtr
Veracruz Homeowners Association

Price history

Date
Event
Price
2/25/2026
Listed for sale
Source: Stellar MLS #O6386162
$210,000
$152/sqft

Neighborhood

913 Michigan Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $210,000
$210,000
99.5% – 100% of listTops out right at the list price
80% of listList price
29 of the last 41 townhouse or villa closings in 34769 landed at this number or higher (71%). The median one sat 60 days before it went under contract, and this one is on day 232.

Sample: 41 closed townhouse or villa 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
$1,602/mo
Principal & interest$1,095
Property taxes$277
Insurance$105
HOA$125
Down payment20% · $42,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. 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

$210,000

$152 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,383 sq ft

Time on market

232 days

Year built

1982

Monthly payment

About $1,602/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,321 annual tax bill, insurance, and the $375/qtr HOA fee.

HOA fee

$375/qtr

Managed by Veracruz Homeowners Association.

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 byHOME & HIVE REALTYListing agent: Stephanie BarberListing data from Stellar MLS, MLS# O6386162.

Keep exploring Florida

Pick up where you left off, or see what else is out there.