1144 Monroe Ave, photo 1
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Overview

3 bd2 ba1,230 sqft2 car garageSingle Family
TypeSingle Family
HOA$196.24/mo
Built1986
Lot4,661 sqft
Living area1,230 sqft
Price / sqft$244
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSolid Wood Cabinets

1144 Monroe Ave is a 1986-built home in Palamar Oaks Village Rep, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,230 square feet of living space. Listed at $299,900 (about $244/sqft), 179 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $196.24 monthly.

From the listing

Landscaping is included in HOA. This home is perfect for downsizing or your First Home. Close to St Cloud City and Shopping. This Quaint 3 Bed home in the desirable Palamar Oaks Village with a community pool, is in a convenient location. . With vision, you can transform and update this home to the ideal retreat. Inside, you’ll find a BRIGHT OPEN FLOOR PLAN with VAULTED CEILINGS, ABUNDANT NATURAL LIGHT, TILE FLOORING THROUGHOUT THE MAIN LIVING AREAS, and a cozy WOOD-BURNING FIREPLACE that creates a warm focal point. The kitchen features NEWER STAINLESS STEEL APPLIANCES, ample cabinetry, and a BREAKFAST BAR, flowing seamlessly into the living space and out to an ENCLOSED/SCREENED PATIO—perfect for relaxing or entertaining while overlooking the backyard. The thoughtfully designed layout offers a SPLIT-BEDROOM FEEL FOR ADDED PRIVACY, including a spacious PRIMARY SUITE WITH PRIVATE BATH, plus two additional bedrooms with generous closet space. Additional highlights include INDOOR LAUNDRY WITH WASHER & DRYER (2024/2025), a SPACIOUS 2-CAR GARAGE, and major updates including ROOF (2018), A/C (2021), and WATER HEATER (2025). Enjoy community amenities including a POOL, CLUBHOUSE, AND MAINTAINED GROUNDS, all conveniently located near St. Cloud Lakefront Park, Downtown St. Cloud, shopping, dining, US-192, and the Florida's Turnpike. MOVE-IN READY AND FULL OF VALUE—THIS IS ONE YOU DON’T WANT TO MISS.

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The essentials

Built
1986
Price / sqft
$244
On market
179 days
Annual tax
$1,787
HOA
$196.24/mo
Flood zone
X · Low risk
Lot
4,661 sqft
Type
Single Family Residence

At a glance

Single family
Built 1986
Community pool
Shared amenity
2 car garage
4,661 sqft lot
Lot size
1,230 sqft
Living area

Payment

Est. monthly payment
$2,059/mo
Down payment (20%)
$59,980
Property taxes
$149/mo
HOA
$196.24/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1986
Lot
4,661 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
179
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
Rain Gutters
Pool
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Water Filtration System
Water Purifier
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,787
Parcel #
04-26-30-0042-0001-0250

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
Palamar Oaks Village Rep
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
4,661 sqft
HOA
$196.24/mo
Lordes Colon

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #O6399059
$299,900-3.3%
$244/sqft
-
Price change
Source: Stellar MLS #O6399059
$310,000-2.8%
$252/sqft
4/16/2026
Listed for sale
Source: Stellar MLS #O6399059
$319,000
$259/sqft

Neighborhood

1144 Monroe Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $299,900
$297,500 – $299,900
99.5% – 100% of listTops out right at the list price
80% of listList price
89 of the last 155 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 179 after a $19,100 cut.

Sample: 155 closed home sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,059/mo
Principal & interest$1,564
Property taxes$149
Insurance$150
HOA$196
Down payment20% · $59,980
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%. 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

$299,900

$244 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,230 sq ft

Time on market

179 days

Year built

1986

Monthly payment

About $2,059/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,787 annual tax bill, insurance, and the $196.24/mo HOA fee.

HOA fee

$196.24/mo

Managed by Lordes Colon.

Flood zone

Zone X

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

Offer

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Brokered byKELLER WILLIAMS ADVANTAGE IIIListing agent: Karlene GrimesListing data from Stellar MLS, MLS# O6399059.

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