431 Jersey Ave, photo 1
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Overview

3 bd2 ba1,519 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1988
Lot14,985 sqft
Living area1,519 sqft
Price / sqft$236
Garage2 car

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About this home

Ceiling Fans(s)Primary Bedroom Main FloorSplit BedroomTray Ceiling(s)Walk-in Closet(s)LightingRain GuttersDishwasher

431 Jersey Ave is a 1988-built home in St Cloud 2nd Town Of, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,519 square feet of living space. Listed at $359,000 (about $236/sqft), 11 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Prime St. Cloud location meets everyday comfort and spacious outdoor living in this 3-bedroom, 2-bath home situated on a generous 0.34-acre lot. Inside, the spacious living room flows naturally into the dining area and kitchen, creating an inviting central gathering space. The kitchen features stainless steel appliances, abundant cabinetry, and ample counter space for both meal preparation and entertaining. The split-bedroom floor plan offers comfortable separation, with spacious secondary bedrooms and a private primary suite featuring its own sliding glass door, en-suite bathroom with a walk-in shower, and a spacious walk-in closet. A fully enclosed Florida room with its own wall-unit A/C provides additional flexible living space and overlooks the expansive, fully fenced backyard. Outside, the 0.34-acre lot provides plenty of room to enjoy the Florida sunshine and make the most of the spacious backyard. The roof was replaced in 2019, and the water heater was replaced in 2026. Just blocks from Lakefront Park Marina and the shores of East Lake Tohopekaliga, this home is also conveniently located near Costco, dining, shopping, recreation, and more. With its spacious layout, generous lot, and prime location, this St. Cloud home offers a fantastic combination of comfort, flexibility, and convenience. Mortgage savings may be available for buyers of this listing.

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The essentials

Built
1988
Price / sqft
$236
On market
11 days
Annual tax
$3,489
Flood zone
X · Low risk
Lot
14,985 sqft
Type
Single Family Residence

At a glance

Single family
Built 1988
2 car garage
Driveway
0.34 acres
Lot size
1,519 sqft
Living area

Payment

Est. monthly payment
$2,342/mo
Down payment (20%)
$71,800
Property taxes
$291/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1988
Lot
14,985 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway
Days on Market
11
Ceiling Fans(s)
Primary Bedroom Main Floor
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Rain Gutters
Dishwasher
Dryer
Range
Refrigerator
Washer
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)
$3,489
Parcel #
01-26-30-0001-0381-0070

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
14,985 sqft

Price history

Date
Event
Price
9/30/2026
Listed for sale
Source: Stellar MLS #O6446020
$359,000
$236/sqft

Neighborhood

431 Jersey Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $359,000
$357,500 – $359,000
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 11.

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
$2,343/mo
Principal & interest$1,872
Property taxes$291
Insurance$180
Down payment20% · $71,800
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

$359,000

$236 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,519 sq ft

Time on market

11 days

Year built

1988

Monthly payment

About $2,342/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,489 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.

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Brokered byREDFIN CORPORATIONListing agent: Pablo Cintron, Jr PAListing data from Stellar MLS, MLS# O6446020.

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