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2112 9th St, Saint Cloud, FL, 34769

3beds
2baths
1,622sqft
$299,900
$185price/sqft
$2,151/moest. monthly cost
$86,040/yrincome needed

About This Home

Under contract-accepting backup offers. ROOF WILL BE REPLACED PRIOR TO CLOSING. Welcome to St. Cloud This single-family home carries real character and historical value. Located just a short distance from the brick streets and shops of historic downtown St. Cloud, the house sits in a neighborhood with deep roots in the area’s early days. Inside, you’ll find an updated kitchen along with tile and vinyl floors that run throughout the home. The layout includes three bedrooms and two bathrooms, giving you practical space for daily living. The property offers easy access to the lake, with nearby paths, fishing spots, and Lakefront Park right around the corner. Spend time on the water, at the marina, or simply enjoying the views of East Lake Tohopekaliga. Historic downtown St. Cloud sits within walking distance or a very short drive for local dining, events, and shops, while Walt Disney World Resort is about 25-35 minutes away by car. Universal Orlando Resort runs around 25-35 minutes, and Orlando International Airport takes roughly 25-35 minutes. The home includes a workshop for projects or storage, plus an outdoor deck, a nice front patio, and attractive landscaping that adds to the curb appeal. Built in an era when houses had distinct details, this one keeps that older Florida feel while delivering modern updates where it counts. If you’re after a place a home to make your primary, investment, or an Airbnb property with some history, solid bones, and convenient access to both quiet lake living and the bigger attractions, this property delivers. Ready to see it in person? Schedule a showing.

Getting Around

73
WalkingVery Walkable
0
TransitVery Limited Transit
64
BikeBikeable

Schools

3/10
7/10
St. Cloud Middle SchoolGrades 6-81.3 mi
4/10
St. Cloud High SchoolGrades PK,9-121.1 mi

Construction

Condition

  • Year built: 1944

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Disposal,Microwave,Range,Refrigerator
  • Laundry features: Laundry Room

Bathroom2

  • Level: First
  • Area: 98
  • Dimensions: 7x14

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 150
  • Dimensions: 10x15

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 112
  • Dimensions: 8x14

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen/Family Room Combo,L Dining,Living Room/Dining Room Combo,Primary Bedroom Main Floor,Solid Surface Counters,Thermostat
  • Window features: Window Treatments
  • Flooring: Luxury Vinyl,Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,862
  • Total interior livable area: 1,622 sqft

Kitchen

  • Level: First
  • Area: 99
  • Dimensions: 11x9

Living Room

  • Level: First
  • Area: 154
  • Dimensions: 11x14

Primary Bathroom

  • Level: First
  • Area: 81
  • Dimensions: 9x9

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 196
  • Dimensions: 14x14

Property

Details

  • Parcel number: 012630000100950095
  • Zoning: SR2
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Awning(s),Lighting,Private Mailbox,Private Yard,Rain Barrel/Cistern(s),Rain Gutters,Storage
  • Fencing: Chain Link,Wood
  • Waterfront features: Beach Access,Lake Privileges

Lot

  • Lot size: 6,490 sqft
  • Lot size dimensions: 65 x 100

Parking

  • Total spaces: 1
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Strong Wind
    Strong WindVery High
  • Lightning
    LightningRelatively High
  • Hurricane
    HurricaneModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Lightning
Hurricane
Inland Flooding
Tornado

FEMA Declared Disasters in Osceola County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,516$18,192
Home Insurance *$211$2,532
Property Taxes $227$2,724
Electricity $197$2,366
Total$2,151$25,812
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,748/yr
40% on housing$64,530/yr
45% on housing$57,360/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.0%
13.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 4.8%
4.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$185This listing

vs Other Active Listings

Avg $/sqft

ZIP 34769$144
Osceola County$185

vs Homes Sold Last Month

Median $/sqft

ZIP 34769$236
Osceola County$205

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-12Pending sale$314,900
2026-04-16Listed for sale$314,900
2020-03-30Sold$176,000
2020-03-05Pending sale$185,000
2020-02-18Listed for sale$185,000
2019-12-27Listing removed$185,000
2019-09-11Listed for sale$185,000

For Sale by Agent

AgentKevin Kelly
BrokerageTHE WILKINS WAY LLC

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