1990 CRYSTAL LANE, ST CLOUD, FL, 34769
Active9 days on marketListed Jul 11, 2026MLS #O6424392
About this home
1990 CRYSTAL LANE
Virtually Staged. **"Own Your Land – No Lot Rent!"****Priced to Sell!** Welcome to this well-maintained **3-bedroom, 2-bath** home in the desirable **Kanuga Village** community, where **you own the land** and enjoy a low annual HOA. Offering **1,248 square feet** of comfortable living space, this move-in-ready home is an excellent opportunity for first-time buyers, downsizers, or anyone looking for affordable homeownership in Central Florida. Recent improvements include **updated flooring, new baseboards & updated tie-downs**. The **central air conditioning is in excellent working condition**, while additional window A/C units provide extra cooling and comfort during Florida's warmest months. The split-bedroom floor plan offers privacy, while the spacious living area provides a comfortable place to gather. Step outside to enjoy the screened porch, covered carport, and an **attached workshop/utility room complete with built-in shelving**, providing plenty of space for tools, storage, hobbies, or home projects. Conveniently located just minutes from the Florida Turnpike, Historic Downtown St. Cloud, East Lake Tohopekaliga, shopping, dining, schools, Lake Nona Medical City, and Orlando International Airport, this home offers exceptional value in a convenient location. **Whether you're buying your first home, downsizing, or investing, this property is priced to sell. Don't miss your opportunity. Schedule your private showing today!**
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,248
Sqft
0.16 ac
Lot size
1987
Year built
One
Levels
$175
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 and the real association fee — not generic estimates.
$1,663 /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
$1,663/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%
$/sqft vs St Cloud actives
$175 vs $220
Days on market
9 vs 33 typical
Where $175/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
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)
190 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 21% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1990 CRYSTAL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$280,000
1961 CRYSTAL LANE · same community
2 bd · 2 ba · 1,374 sqft · $204/sqft · 83 DOM
Sold · Oct ’25$280,000
2351 TEMPLE LANE · same community
4 bd · 2 ba · 1,920 sqft · $146/sqft · 75 DOM
Sold · Jan ’26$277,500
3421 VILLAGE GREEN COURT
2 bd · 2 ba · 1,257 sqft · $221/sqft · 133 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 1990 CRYSTAL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1990 CRYSTAL LANE — 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
1990 CRYSTAL LANE FAQs
What would the monthly payment be for 1990 CRYSTAL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,663/mo — principal and interest, the actual property-tax bill, the $10/mo association fee 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.
How much are the HOA fees at 1990 CRYSTAL LANE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1990 CRYSTAL LANE?+
The most recent tax bill on record (2025) was $1,362. 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 1990 CRYSTAL LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $217,900, this home is listed about 49% 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 1990 CRYSTAL LANE?+
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 KELLER WILLIAMS ADVANTAGE III · Sheyla Apuy. MLS #O6424392.
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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