
429 VIRGINIA AVENUE, ST CLOUD, FL, 34769
Active135 days on marketListed Mar 20, 2026MLS #O6392325
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,062/mo
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.
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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud 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
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.
Sold · Sep ’25$370,000
135 GEORGIA AVENUE · same community
4 bd · 2 ba · 1,622 sqft · $228/sqft · 29 DOM
Sold · Jan ’26$353,000
100 TENNESSEE AVENUE · same community
4 bd · 2 ba · 1,544 sqft · $229/sqft · 79 DOM
Sold · 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.

Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 429 VIRGINIA AVENUE — start here.

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.
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.
Keep looking
Similar homes nearby
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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