20 MACON WAY, ST CLOUD, FL, 34769
Active64 days on marketListed May 16, 2026MLS #S5149768
About this home
20 MACON WAY
Welcome to this beautiful 3-bedroom, 2 bath home that offers 1433 square feet of comfortable living space with thoughtful updates and a peaceful setting that buyers will love. Step inside and discover newer waterproof wood like flooring that adds both style and durability throughout the home. Major upgrades have already been taken care of, including a new roof installed in 2024 and a new AC in 2023, giving peace of mind for years to come. The homes backyard overlook's a tranquil pond, creating the perfect backdrop for relaxing evenings, morning coffee, or entertaining guests. Located just a short distance from popular St Cloud Lakefront. Minutes to Downtown St. Cloud with shopping area featuring over 15 antique and collectible shops, craft stores, local diners, American Legion Hall, VFW Hall, movie theatre, two historical hotels and local Lynx bus transportation. Enjoy living in St. Cloud with the Lakefront Park. Take a bike ride or a stroll in the evening by the lake! Awesome views with wildlife to enjoy! This award-winning recreational area offers walking trails, playground, splash pad, sandy beach, boating basin and restaurant for everyone to enjoy. St. Cloud is a family-oriented community offering small town living. Conveniently located near Orlando International Airport, Medical City in Lake Nona, and Florida’s East Coast beaches. Don’t miss your opportunity to own this move in ready home. Whether you're a first-time homebuyer, downsizing, or looking for an investment opportunity, this move-in ready home combines comfort, location, and value in one desirable package. Schedule your private showing today! Buyer to verify all room measurements.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,433
Sqft
0.18 ac
Lot size
2
Garage
1988
Year built
One
Levels
$244
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.
$2,445 /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
$2,445/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
−8%
$/sqft vs St Cloud actives
$244 vs $221
Days on market
64 vs 33 typical
Where $244/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)
188 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 25% 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 20 MACON WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$330,000
7 PAQUIN DRIVE · same community
3 bd · 2 ba · 1,459 sqft · $226/sqft · 47 DOM
Sold · Sep ’25$369,900
219 MACON WAY · same community
3 bd · 2 ba · 1,523 sqft · $243/sqft · 8 DOM
Sold · Aug ’25$344,000
206 MEMPHIS PLACE · same community
3 bd · 2 ba · 1,338 sqft · $257/sqft · 144 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 20 MACON WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 20 MACON WAY — 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
20 MACON WAY FAQs
What would the monthly payment be for 20 MACON WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,445/mo — principal and interest, the actual property-tax bill, the $11/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 20 MACON WAY?+
The association fee works out to $11 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 20 MACON WAY?+
The most recent tax bill on record (2025) was $783. 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 20 MACON WAY?+
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 $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 20 MACON WAY?+
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
Three things that matter here
01Positioned at the premium end
$349,000 runs 25% above the ST CLOUD 34769 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $369,000, now $349,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN CONNECT LLC · Kimberly Gamble. MLS #S5149768.
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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