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Overview

3 bd2 ba1,528 sqftSingle Family
TypeSingle Family
HOANone listed
Built1917
Lot15,682 sqft
Living area1,528 sqft
Price / sqft$183

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About this home

Ceiling Fans(s)DishwasherMicrowaveRangeRefrigerator

3430 5th St is a 1917-built home in S L & I C Town Of St Cloud, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,528 square feet of living space. Listed at $279,900 (about $183/sqft), 86 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

This home is perfect for a buyer with a vision! A 1917 original farm house on .36 acres in a prime St Cloud location. Situated on a corner lot, this 3-bedroom, 2-bathroom home is 1,528 square feet that could be transformed or removed to create a modern structure. NO HOA and just a few blocks from the St. Cloud Lakefront Park and Marina, schools, shops and restaurants. With a desirable location and plenty of possibilities, this property is ready for a total renovation or to host a newly built dream home. Arrange a showing today or call for more details.

The essentials

Built
1917
Price / sqft
$183
On market
86 days
Annual tax
$6,407
Flood zone
X · Low risk
Lot
15,682 sqft
Type
Single Family Residence

At a glance

Single family
Built 1917
0.36 acres
Lot size
1,528 sqft
Living area

Payment

Est. monthly payment
$2,134/mo
Down payment (20%)
$55,980
Property taxes
$534/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1917
Lot
15,682 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
86
Ceiling Fans(s)
Dishwasher
Microwave
Range
Refrigerator
Elementary
Lakeview 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.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,407
Parcel #
03-26-30-0725-0001-2380

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
S L & I C Town Of St Cloud
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
15,682 sqft

Price history

Date
Event
Price
7/31/2026
Price change
Source: Stellar MLS #O6426463
$279,900-6.7%
$183/sqft
7/21/2026
Listed for sale
Source: Stellar MLS #O6426463
$300,000
$196/sqft

Neighborhood

3430 5th St
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $279,900
$277,500 – $279,900
99.5% – 100% of listTops out right at the list price
80% of listList price
89 of the last 158 home closings in 34769 landed at this number or higher (56%). The median one sat 35 days before it went under contract, and this one is on day 86 after a $20,100 cut.

Sample: 158 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
$2,134/mo
Principal & interest$1,460
Property taxes$534
Insurance$140
Down payment20% · $55,980
Interest rate6.80%
Loan term

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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%. 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

$279,900

$183 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,528 sq ft

Time on market

86 days

Year built

1917

Monthly payment

About $2,134/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,407 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 byEXP REALTY LLCListing agent: Dawn GrigsbyListing data from Stellar MLS, MLS# O6426463.

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