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1831 CENTENNIAL AVENUE, Saint Cloud, FL, 34769

3beds
2baths
1,770sqft
$375,000
$212price/sqft
$2,820/moest. monthly cost
$112,800/yrincome needed

About This Home

Welcome to this beautifully updated 3-bedroom, 2-bath home ideally located in the heart of St. Cloud! This move in ready property features a renovated kitchen with modern finishes, an open concept layout perfect for entertaining, and easy to maintain flooring throughout no carpet! The spacious living and dining areas create the ideal setting for family gatherings and everyday living. New roof installed 2024 ,Step outside to enjoy the fully fenced backyard, offering privacy and plenty of space for your family, pets, or outdoor entertaining.Conveniently located just minutes from Super Walmart, shopping centers, pharmacies, restaurants, and a variety of retail stores. With easy access to major roads, commuting to Orlando, Lake Nona, and surrounding areas is quick and convenient.Don't miss this opportunity to own a well-maintained home in an excellent location close to everything St. Cloud .

Getting Around

27
WalkingCar-Dependent
0
TransitVery Limited Transit
45
BikeSomewhat Bikeable

Schools

4/10
Neptune Elementary SchoolGrades PK-50.4 mi
7/10
Neptune Middle SchoolGrades 6-81.3 mi
4/10
St. Cloud High SchoolGrades PK,9-122.6 mi

Construction

Condition

  • Year built: 2009

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Inside

Bathroom1

  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

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

Dining Room

  • Level: First

Features

  • L Dining,Open Floorplan,Other,Stone Counters,Walk-In Closet(s)
  • Door features: Outdoor Grill
  • Flooring: Other

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,770
  • Total interior livable area: 1,770 sqft

Kitchen

  • Level: First

Laundry

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 092630008100012950
  • Zoning: SPUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Outdoor Grill

Lot

  • Lot size: 5,750 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Hurricane
    HurricaneModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Inland Flooding
Tornado
Hurricane
Wildfire

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 $1,896$22,752
Home Insurance *$264$3,168
Property Taxes $463$5,556
Electricity $197$2,366
Total$2,820$33,840
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$96,685/yr
40% on housing$84,600/yr
45% on housing$75,200/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

$212This 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
2026-08-03Listed for sale$375,000
2026-07-29Contingent$375,000
2026-07-26Listed for sale$375,000
2017-01-04Sold$191,000
2010-05-14Sold$147,030

For Sale by Agent

AgentArlin De Leon, PA
BrokerageLA ROSA REALTY KISSIMMEE

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