Steeve Cadeau
$365,000$375,0003 bd2 ba1,586 sqft$230 /sqft$3,062 /mo all-in ↓

429 VIRGINIA AVENUE, ST CLOUD, FL, 34769

Active135 days on marketListed Mar 20, 2026MLS #O6392325

Reduced $10KSingle Family ResidenceST CLOUD 2ND TOWN OF

About this home

429 VIRGINIA AVENUE

Short Sale. **SHORT SALE. PURCHASE PRICE IS APPROVED BY THE BANK.** THIRD PARTY PROCESSOR REQUIRED. SEE ATTACHED DISCLOSURES THAT MUST BE SIGNED AND PRESENTED WITH ALL OFFERS. This spacious and move-in-ready single-family home offers nearly 1,600 square feet of well-designed living space with 3 bedrooms, 2 bathrooms, and a 2-car garage. From the moment you arrive, you’re greeted by a charming front yard with a mature shade tree and a custom patio complete with a pergola and retractable shade—perfect for relaxing afternoons or friendly front-porch chats. Step inside to discover a home full of warmth and natural light. A coat closet just off the entry adds convenience, while your eyes are drawn to the spacious living room and newly renovated Florida room at the back of the home. To your right, the completely remodeled kitchen is ready to impress—featuring brand-new stone countertops, sleek cabinetry, a center island with breakfast bar seating, and stainless steel appliances including a new stove, range hood, dishwasher, and waste disposal. A large walk-in pantry with built-in shelving and direct access to the garage makes everyday living extra functional. Adjacent to the kitchen, the dining area flows effortlessly into the living room, creating an open-concept layout that’s ideal for entertaining. French doors lead into the Florida room, now completely renovated with brand-new vinyl flooring and a rebuilt foundation—offering the perfect bonus space for a home office, playroom, or lounge. From here, step outside to the backyard, where a parquetstyle patio is already underway and the rest of the yard offers a blank canvas for your outdoor vision. Lush vegetation provides privacy along the back and side of the home, and there's ample space to add fencing or create your dream garden. Down the hall near the entrance, you’ll find the home’s three bedrooms and two fully updated bathrooms. Both guest bedrooms feature vinyl plank flooring and built-in closets, while the bathrooms have been stylishly renovated with new vanities, toilets, mirrors, lighting, and tiled showers. The primary suite offers a peaceful retreat with its own ensuite bathroom, beautifully finished to match the home’s updated design. Additional highlights include: new windows throughout the entire home, an epoxy-coated garage floor, and countless modern upgrades that make this home feel brand new. At 429 Virginia Ave, you’re not just buying a house—you’re finding a place to create lasting memories, gather with loved ones, and truly feel at home. Don’t miss your chance to own this thoughtfully renovated gem in the heart of Saint Cloud.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,586

Sqft

0.26 ac

Lot size

2

Garage

1978

Year built

One

Levels

$230

Per sqft

Garden & Trees/Woods viewPets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Wine Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Stone Counters · Thermostat
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewGarden · Trees/Woods
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Garden · Lighting · Private Yard · Sidewalk

Community & fees

Taxes (2025)$7,098/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,062 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property tax — 2025 actual bill$592
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,775Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $12,775
Interest rate6.00%
Loan term

Estimated payment

$3,062/mo

Principal & interest$2,149
FHA mortgage insurance (est.)$161
Property taxes (actual bill)$592
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $365K
$328KedgeAI estimate $346,548 · range $341K$352K$380K

vs edgeAI estimate

+5.3%

$/sqft vs ST CLOUD 2ND TOWN OF

$230 vs $246

Days on market

135 vs 33 typical

Where $230/sqft sits among the 27 homes for sale in ST CLOUD 2ND TOWN OF

6
5 · this home
3
5
4
4
$178–206$206–233$233–261$261–288$288–316$316+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

Where it sits

Inside St Cloud

Map of 429 VIRGINIA AVENUE

Drive times from this address

Universal Orlando33 min
Walt Disney World34 min
Orlando Int’l Airport (MCO)34 min
Downtown Orlando34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know St Cloud. See the full St Cloud guide →

ST CLOUD 34769 — neighborhood snapshot

Population

29,247

Median age

36

Median income

$58,764

Median home value

$271,800

Avg household

2.93

Households w/ children

3,039

For the school run

Osceola County School District

ElementaryLakeview Elementary School★★★★★
HighSt. Cloud High School★★★★★
MiddleSt. Cloud Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

16 of 27

ST CLOUD 2ND TOWN OF have cut their price

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 33% above the ST CLOUD 34769 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $365,000 $10K
Mar 20, 2026Listed at $375,000 · 135 days on market since
1978Built · ST CLOUD 2ND TOWN OF

Reality check

What actually sold near 429 VIRGINIA AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

135 GEORGIA AVENUESold · Sep ’25

$370,000

135 GEORGIA AVENUE · same community

4 bd · 2 ba · 1,622 sqft · $228/sqft · 29 DOM

100 TENNESSEE AVENUESold · Jan ’26

$353,000

100 TENNESSEE AVENUE · same community

4 bd · 2 ba · 1,544 sqft · $229/sqft · 79 DOM

706 MASSACHUSETTS AVENUESold · Jul ’26

$269,000

706 MASSACHUSETTS AVENUE · same community

3 bd · 1.5 ba · 1,516 sqft · $177/sqft · 74 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 429 VIRGINIA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 429 VIRGINIA AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

429 VIRGINIA AVENUE FAQs

What would the monthly payment be for 429 VIRGINIA AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,062/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

What are the property taxes on 429 VIRGINIA AVENUE?+

The most recent tax bill on record (2025) was $7,098. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 429 VIRGINIA AVENUE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in St Cloud?+

At $365,000, this home is listed about 14% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 429 VIRGINIA AVENUE?+

Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$365,000 runs 33% above the ST CLOUD 34769 median.

02Garden & Trees/Woods views

The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.

03Time on market is leverage

135 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $375,000, now $365,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Thomas Nickley, Jr. MLS #O6392325.

IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

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