438 CALIFORNIA AVENUE, ST CLOUD, FL, 34769
Active24 days on marketListed Jun 30, 2026MLS #O6421163
About this home
438 CALIFORNIA AVENUE
Welcome to 438 CALIFORNIA AVE, ST. CLOUD, FL this unique 4-bedroom, 2-bath home offering the perfect blend of space, flexibility, and lifestyle! Situated on a generously sized lot with no HOA, this property features two separate private entrances, creating an excellent opportunity for multigenerational living, extended family, guests, a private home office, or the potential for supplemental income (buyer to verify all intended uses). Step inside to discover a functional layout with spacious living areas, abundant natural light, and comfortable bedrooms designed for everyday living. Outside, the expansive yard provides endless possibilities with plenty of room for RVs, boats, trailers, work vehicles, a workshop, gardening, outdoor entertaining, or future additions—all with the freedom of no HOA restrictions. The location is just as impressive! Only minutes from St. Cloud’s beautiful Lakefront Park and Lakeshore Boulevard, you’ll enjoy one of Central Florida’s most sought-after waterfront destinations featuring scenic walking, running, and cycling trails, a public marina, boat ramps with access to East Lake Tohopekaliga, fishing piers, waterfront restaurants, picnic areas, playgrounds, splash pad, sandy beach, and year-round community events. Whether you’re an outdoor enthusiast or simply enjoy breathtaking lakefront sunsets, this location offers an exceptional Florida lifestyle. Conveniently located near shopping, dining, schools, medical facilities, and with easy access to major highways, Orlando International Airport, and Lake Nona Medical City, this home delivers the perfect combination of convenience and opportunity. Whether you’re searching for your forever home, a property that accommodates multiple generations, or a home with outstanding income potential and room to grow, this is an opportunity you won’t want to miss. Schedule your private showing today and discover all the possibilities this exceptional property has to provide YOU! SOME LISTING PHOTOS HAVE BEEN VIRTUALLY STAGED. THE CONDITION OF THE PROPERTY REMAINS EXACTLY AS SHOWN!!!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,354
Sqft
0.32 ac
Lot size
1957
Year built
One
Levels
$258
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.
$2,736 /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
$2,736/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
+13.8%
$/sqft vs St Cloud actives
$258 vs $220
Days on market
24 vs 33 typical
Where $258/sqft sits among the 400 St Cloud actives
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)
196 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% 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 438 CALIFORNIA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$350,000
612 PENNSYLVANIA AVENUE · same community
3 bd · 2 ba · 1,346 sqft · $260/sqft · 17 DOM
Sold · Aug ’25$345,000
815 KENTUCKY AVENUE · same community
3 bd · 2 ba · 1,404 sqft · $246/sqft · 45 DOM
Sold · Apr ’26$340,000
511 MISSOURI AVENUE · same community
3 bd · 2 ba · 1,425 sqft · $239/sqft · 21 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 438 CALIFORNIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 438 CALIFORNIA 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
438 CALIFORNIA AVENUE FAQs
What would the monthly payment be for 438 CALIFORNIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,736/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 438 CALIFORNIA AVENUE?+
The most recent tax bill on record (2025) was $4,404. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $349,000, this home is listed about 18% 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 438 CALIFORNIA 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.
Keep looking
Similar homes nearby
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Jorge Carruitero. MLS #O6421163.
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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