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Overview

3 bd2 ba1,748 sqftSingle Family
TypeSingle Family
HOANone listed
Built1919
Lot11,238 sqft
Living area1,748 sqft
Price / sqft$154

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

About this home

CooktopRefrigerator

1204 Michigan Ave is a 1919-built home in St Cloud 2nd Town Of, St Cloud. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,748 square feet of living space. Listed at $269,000 (about $154/sqft), 75 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Investor opportunity with endless potential! This 3-bedroom, 2-bath home is ideally located in the heart of St. Cloud, just minutes from Downtown, shopping, restaurants, schools, and the Lakefront. Featuring a durable metal roof, updated kitchen with granite countertops and stainless steel appliances, and luxury vinyl plank flooring throughout much of the home, this property offers a solid foundation for investors or owner-occupants looking to add value. The home is being sold as-is, presenting an excellent opportunity for a buyer to complete the repairs and build equity. With strong rental demand in the area, this property has excellent potential as a long-term rental, fix-and-flip, or buy-and-hold investment. Adding to its appeal, the property is located in an area with mixed-use and commercial development nearby, offering buyers the opportunity to explore future commercial or mixed-use possibilities, subject to verification with the City of St. Cloud regarding zoning and permitted uses. Whether you’re looking for your next investment project or a property with future upside, this is an opportunity you won’t want to miss.

The essentials

Built
1919
Price / sqft
$154
On market
75 days
Annual tax
$3,671
Flood zone
X · Low risk
Lot
11,238 sqft
Type
Single Family Residence

At a glance

Single family
Built 1919
0.26 acres
Lot size
1,748 sqft
Living area

Payment

Est. monthly payment
$1,843/mo
Down payment (20%)
$53,800
Property taxes
$306/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1919
Lot
11,238 sqft
Cooling
Central Air, Attic Fan
Heating
Central, Electric
Parking
-
Days on Market
75
Cooktop
Refrigerator
Flood Zone X
Annual Tax (2025)
$3,671
Parcel #
01-26-30-0001-0225-0030

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
11,238 sqft

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #R4911742
$269,000-3.6%
$154/sqft
-
Price change
Source: Stellar MLS #R4911742
$279,000-6.7%
$160/sqft
8/1/2026
Listed for sale
Source: Stellar MLS #R4911742
$299,000
$171/sqft

Neighborhood

1204 Michigan Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $269,000
$267,500 – $269,000
99.5% – 100% of listTops out right at the list price
80% of listList price
91 of the last 159 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 75 after a $30,000 cut.

Sample: 159 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
$1,843/mo
Principal & interest$1,403
Property taxes$306
Insurance$135
Down payment20% · $53,800
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

$269,000

$154 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,748 sq ft

Time on market

75 days

Year built

1919

Monthly payment

About $1,843/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,671 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 byPORTFOLIO REAL ESTATE OF FLORIDAListing agent: Rick Allen, IIIListing data from Stellar MLS, MLS# R4911742.

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