515 New York Ave, photo 1
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Overview

2 bd1 ba1,095 sqftSingle Family
TypeSingle Family
HOANone listed
Built1920
Lot7,492 sqft
Living area1,095 sqft
Price / sqft$227

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

About this home

Ceiling Fans(s)ThermostatLightingPrivate MailboxElectric Water Heater

515 New York Ave is a 1920-built home in St Cloud 2nd Town Of, St Cloud. Inside you'll find 2 bedrooms, 1 bathrooms, and 1,095 square feet of living space. Listed at $249,000 (about $227/sqft), 109 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

SELLER SAYS TO SELL! Completely Remodeled Gem in the Heart of St. Cloud - this beautifully remodeled 2-bedroom, 1-bath home offering 1,095 sq ft of thoughtfully updated living space in one of St. Cloud's most convenient and sought-after locations. From top to bottom, this home has been done right — move in, unpack, and enjoy. Step inside to discover a fresh, modern interior where every detail has been addressed. The layout flows naturally into a spacious enclosed porch under air — perfect as a bonus living area, home office, or everyday Florida room that gets used year-round. Out back, you'll find a covered carport tucked in the rear of the property, keeping your vehicle protected from the Florida sun and afternoon storms without sacrificing your front yard. Located just minutes from St. Cloud Elementary, St. Cloud Middle School, and St. Cloud High School, as well as highly-rated Canoe Creek K-8 — all part of the Osceola County School District. Proximity to schools also means proximity to parks, sidewalks, and the kind of established, walkable neighborhood that's hard to find at this price point. Beyond that, you're steps from everything St. Cloud has to offer. The vibrant downtown along New York Avenue features boutique shops and community festivals, and East Lake Tohopekaliga is just one mile away — offering boating, fishing, and stunning lakeside views. Lakefront Park, the marina, splash pad, and the monthly downtown market round out a lifestyle that's tough to beat. Whether you're a first-time buyer or an investor looking for a turnkey property in a high-demand location — this one checks every box. Schedule your showing today.

The essentials

Built
1920
Price / sqft
$227
On market
109 days
Annual tax
$476
Flood zone
X · Low risk
Lot
7,492 sqft
Type
Single Family Residence

At a glance

Single family
Built 1920
7,492 sqft lot
Lot size
1,095 sqft
Living area

Payment

Est. monthly payment
$1,463/mo
Down payment (20%)
$49,800
Property taxes
$40/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1920
Lot
7,492 sqft
Cooling
Central Air
Heating
Central
Parking
Off Street
Days on Market
109
Ceiling Fans(s)
Thermostat
Lighting
Private Mailbox
Electric Water Heater
Elementary
Michigan Avenue Elem (K 5)
Middle
St. Cloud Middle (6-8)
High
St. Cloud High School

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$476
Parcel #
01-26-30-0001-0013-0170

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
10/5/2026
Price change
Source: Stellar MLS #O6420399
$249,000-7.4%
$227/sqft
-
Price change
Source: Stellar MLS #O6420399
$269,000-10.0%
$246/sqft
6/26/2026
Listed for sale
Source: Stellar MLS #O6420399
$299,000
$273/sqft

Neighborhood

515 New York Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $249,000
$249,000
99.5% – 100% of listTops out right at the list price
80% of listList price
89 of the last 156 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 109 after a $50,000 cut.

Sample: 156 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
$1,463/mo
Principal & interest$1,299
Property taxes$40
Insurance$125
Down payment20% · $49,800
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

$249,000

$227 per sq ft

Beds and baths

2 beds, 1 baths

Size

1,095 sq ft

Time on market

109 days

Year built

1920

Monthly payment

About $1,463/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $476 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?

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Brokered byLPT REALTY, LLCListing agent: Raymond ReyesListing data from Stellar MLS, MLS# O6420399.

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