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909 ILLINOIS AVENUE, Saint Cloud, FL, 34769

2beds
2baths
1,447sqft
$270,000
$187price/sqft
$1,871/moest. monthly cost
$74,840/yrincome needed

About This Home

Welcome to the only community that provides maintenance free living in downtown Saint Cloud. It's the best of both worlds. Lawn care and exterior maintenance provided with small town living and lots of activities at Lakefront park and downtown St Cloud. New roof in 2022. This beautiful villa has been updated with granite countertops, stainless steel appliances, white cabinets, and laminate floors. The main living areas have high vaulted ceilings and plenty of natural light with a skylight. The enclosed Florida room has plantation shutters with lots of windows. Each unit has private covered parking and an outdoor storage shed in this well maintained community. Come visit this home today.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
57
BikeBikeable

Schools

7/10
St. Cloud Middle SchoolGrades 6-80.8 mi
4/10
St. Cloud High SchoolGrades PK,9-120.7 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 1989

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Ranch
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range
  • Laundry features: Inside,Laundry Closet

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 110
  • Dimensions: 11x10

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 72
  • Dimensions: 12x6

Features

  • Ceiling Fan(s)
  • Flooring: Ceramic Tile,Luxury Vinyl

Florida Room

  • Level: First
  • Area: 140
  • Dimensions: 10x14

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,931
  • Total interior livable area: 1,447 sqft

Kitchen

  • Level: First
  • Area: 80
  • Dimensions: 8x10

Living Room

  • Level: First
  • Area: 192
  • Dimensions: 12x16

Primary Bedroom

  • Features: Built-in Closet
  • Level: First
  • Area: 132
  • Dimensions: 12x11

Property

Details

  • Parcel number: 022630001400010050
  • Attached to another structure: Yes
  • Zoning: SPUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Sidewalk
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 1,568 sqft

Parking

  • Total spaces: 2
  • Parking features: Covered
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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 $1,365$16,380
Home Insurance *$190$2,280
Property Taxes $119$1,428
Electricity $197$2,366
Total$1,871$22,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$64,148/yr
40% on housing$56,130/yr
45% on housing$49,893/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

$187This 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)

Price History

DateEventPrice
2026-08-01Listed for sale$270,000
2024-08-22Listing removed--
2024-08-20Listed for sale$280,000
2020-07-07Sold$182,000
2020-06-01Pending sale$182,000
2020-05-29Listed for sale$182,000
2016-05-30Sold$125,000
2015-01-29Listing removed$122,000
2015-01-16Price change$122,000
2014-12-16Listed for sale$125,000
2009-07-28Sold$100,000
2003-10-16Sold$105,000
2000-09-20Sold$94,000
1999-05-10Sold$41,000

For Sale by Agent

AgentKristi Rujano
BrokerageORLANDO REGIONAL REALTY

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