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429 VIRGINIA AVENUE, Saint Cloud, FL, 34769

3beds
2baths
1,586sqft
$365,000
$230price/sqft
$2,998/moest. monthly cost
$119,920/yrincome needed

About This Home

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, perfect for creating a space 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 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 blank canvas awaits 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. ** PERGOLA & WINE FRIDGE were removed/DID NOT CONVEY**

Getting Around

35
WalkingCar-Dependent
0
TransitVery Limited Transit
47
BikeSomewhat Bikeable

Schools

7/10
St. Cloud Middle SchoolGrades 6-81.1 mi
4/10
St. Cloud High SchoolGrades PK,9-121.0 mi

Construction

Condition

  • Year built: 1978

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Range,Range Hood,Refrigerator
  • Laundry features: Electric Dryer Hookup,In Garage,Washer Hookup

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedroom3

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 156
  • Dimensions: 13x12

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Open Floorplan,Stone Counters,Thermostat
  • Door features: French Doors
  • Flooring: Laminate,Tile

Florida Room

  • Features: Ceiling Fan(s)
  • Level: First

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,364
  • Total interior livable area: 1,586 sqft

Kitchen

  • Features: Breakfast Bar,Kitchen Island,Pantry
  • Level: First
  • Area: 260
  • Dimensions: 13x20

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Area: 169
  • Dimensions: 13x13

Primary Bedroom

  • Features: Ceiling Fan(s),En Suite Bathroom,Built-in Closet
  • Level: First
  • Area: 156
  • Dimensions: 12x13

Property

Details

  • Parcel number: 012630000103670160
  • Zoning: SR1A
  • Special condition: Short Sale

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Garden,Lighting,Private Yard,Sidewalk
  • Has view: Yes
  • View description: Garden,Trees/Woods

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 75 x 150

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Lightning
Hurricane
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 $1,845$22,140
Home Insurance *$257$3,084
Property Taxes $699$8,388
Electricity $197$2,366
Total$2,998$35,976
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,788/yr
40% on housing$89,940/yr
45% on housing$79,946/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

$230This listing

vs Other Active Listings

Avg $/sqft

ZIP 34769$143
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)

Price History

DateEventPrice
2026-08-10Price change$355,000
2026-07-13Listed for sale$365,000
2026-07-08Contingent$375,000
2026-04-27Pending sale$375,000
2026-03-20Listed for sale$375,000
2025-10-06Listing removed$375,000
2025-07-30Listed for sale$375,000
2023-05-16Sold$335,000
2023-03-15Pending sale$345,000
2023-03-13Listed for sale$345,000
2015-07-29Sold$155,000
2015-06-23Pending sale$150,000
2015-06-18Listed for sale$150,000
2007-05-25Sold$210,000
2007-04-03Price change$215,900
2007-03-17Listed for sale$219,900

For Sale by Agent

AgentThomas Nickley, Jr
BrokerageKELLER WILLIAMS REALTY AT THE PARKS

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