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Overview

2 bd2 ba959 sqftManufactured Home
TypeManufactured Home
HOANone listed
Built1993
Lot11,326 sqft
Living area959 sqft
Price / sqft$308

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

About this home

Ceiling Fans(s)Fire PitStorageConvection OvenDryerMicrowaveWasher

1638 Cod St is a 1993-built home in Pine Grove Park Blks 11 & 12 Rep, St Cloud. Inside you'll find 2 bedrooms, 2 bathrooms, and 959 square feet of living space. Listed at $295,000 (about $308/sqft), 2 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Discover this nice property in St. Cloud! Situated on a spacious 0.26-acre lot, this 2-bedroom, 2-bath manufactured home offers 959 square feet of heated living space with no HOA and no lot rent. The property features a functional single-story layout, Updated kitchen, granite counter tops, sitting bar, ceramic tile flooring, central air conditioning, water well, new water treatment machine and a septic system. Enclosed Florida room and utility storage room connected to rear of home. Enjoy the outdoor space, in a open lot with a fire pit and additional storage provided with new sheds, providing room to relax, garden, and all within a newly installed fully fenced front and back yard. Conveniently located in the St. Cloud area with access to local shopping, dining, schools, and major roadways. Whether you're looking for an affordable home with land or an investment opportunity, this property offers plenty of potential. Schedule your showing today!

The essentials

Built
1993
Price / sqft
$308
On market
2 days
Annual tax
$1,160
Flood zone
AE
Lot
11,326 sqft
Type
Manufactured Home

At a glance

Manufactured home
Built 1993
0.26 acres
Lot size
959 sqft
Living area

Payment

Est. monthly payment
$1,783/mo
Down payment (20%)
$59,000
Property taxes
$97/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Manufactured Home
Year Built
1993
Lot
11,326 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
2
Ceiling Fans(s)
Fire Pit
Storage
Convection Oven
Dryer
Microwave
Washer
Elementary
Harmony Community School (K-5)
Middle
Harmony Middle
High
Harmony High

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

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$1,160
Parcel #
02-26-31-4750-0001-4420

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
Pine Grove Park Blks 11 & 12 Rep
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
11,326 sqft

Price history

Date
Event
Price
10/15/2026
Listed for sale
Source: Stellar MLS #S5159671
$295,000
$308/sqft

Neighborhood

1638 Cod St
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $295,000
$292,500 – $295,000
99.5% – 100% of listTops out right at the list price
80% of listList price
304 of the last 469 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 2.

Sample: 469 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,783/mo
Principal & interest$1,539
Property taxes$97
Insurance$148
Down payment20% · $59,000
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

$295,000

$308 per sq ft

Beds and baths

2 beds, 2 baths

Size

959 sq ft

Time on market

2 days

Year built

1993

Monthly payment

About $1,783/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,160 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

Have another question?

Brokered byWATSON REALTY CORPListing agent: Jeff BakerListing data from Stellar MLS, MLS# S5159671.

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