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Overview

2 bd1 ba880 sqft1 car garageSingle Family
TypeSingle Family
HOANone listed
Built1951
Lot9,583 sqft
Living area880 sqft
Price / sqft$261
Garage1 car

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

About this home

Living Room/Dining Room ComboPrimary Bedroom Main FloorAwning(s)CourtyardHurricane ShuttersLightingPrivate EntranceRange

315 Pennsylvania Ave is a 1951-built home in St Cloud 2nd Plat Town Of, St Cloud. Inside you'll find 2 bedrooms, 1 bathrooms, and 880 square feet of living space. Listed at $229,900 (about $261/sqft), 24 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

LOCATION, LOCATION, LOCATION! Welcome to 315 Pennsylvania Avenue, ideally situated in the heart of St. Cloud just blocks from the beautiful St. Cloud Lakefront and minutes from Downtown St. Cloud. This charming 2-bedroom, 1-bath home offers approximately 880 square feet of living space and an opportunity to enjoy one of the city's most convenient and desirable locations. One of the standout features of this property is the BIG, OVERSIZED YARD, providing plenty of outdoor space for entertaining, gardening, pets, recreation, or simply relaxing and enjoying the Florida lifestyle. The location is hard to beat! You're just blocks from the St. Cloud Lakefront beach area, where you can enjoy the waterfront, scenic trails, parks, playgrounds, fishing, boating, and beautiful views of East Lake Tohopekaliga. Downtown St. Cloud is also nearby, offering local restaurants, shopping, community events, and the charm of historic St. Cloud. Whether you're looking for a primary residence, investment opportunity, or a home close to everything St. Cloud has to offer, this property combines a convenient central location with a spacious yard and plenty of potential. Come see what makes this location so special!

The essentials

Built
1951
Price / sqft
$261
On market
24 days
Annual tax
$3,023
Flood zone
X · Low risk
Lot
9,583 sqft
Type
Single Family Residence

At a glance

Single family
Built 1951
1 car garage
9,583 sqft lot
Lot size
880 sqft
Living area

Payment

Est. monthly payment
$1,566/mo
Down payment (20%)
$45,980
Property taxes
$252/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1951
Lot
9,583 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
24
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Awning(s)
Courtyard
Hurricane Shutters
Lighting
Private Entrance
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$3,023
Parcel #
01-26-30-0001-0408-0090

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 Plat Town Of
County
Osceola
MLS Area
34769 - St Cloud (City of St Cloud)
Lot Size
9,583 sqft

Price history

Date
Event
Price
9/19/2026
Listed for sale
Source: Stellar MLS #S5158182
$229,900
$261/sqft

Neighborhood

315 Pennsylvania Ave
St Cloud, FL, 34769 · 34769 - St Cloud (City of St Cloud)

Market insights

Offer Insights

Choose an offer strength

List price: $229,900
$229,900
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 24.

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
$1,566/mo
Principal & interest$1,199
Property taxes$252
Insurance$115
Down payment20% · $45,980
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%. 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

$229,900

$261 per sq ft

Beds and baths

2 beds, 1 baths

Size

880 sq ft

Time on market

24 days

Year built

1951

Monthly payment

About $1,566/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,023 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 byROYAL REALTY REAL ESTATE, LLCListing agent: Francis RinehartListing data from Stellar MLS, MLS# S5158182.

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