1204 MICHIGAN AVENUE, ST CLOUD, FL, 34769
Active6 days on marketListed Aug 1, 2026MLS #R4911742
About this home
1204 MICHIGAN AVENUE
Investor opportunity with endless potential! This 3-bedroom, 2-bath home is ideally located in the heart of St. Cloud, just minutes from Downtown, shopping, restaurants, schools, and the Lakefront. Featuring a durable metal roof, updated kitchen with granite countertops and stainless steel appliances, and luxury vinyl plank flooring throughout much of the home, this property offers a solid foundation for investors or owner-occupants looking to add value. The home is being sold as-is, presenting an excellent opportunity for a buyer to complete the repairs and build equity. With strong rental demand in the area, this property has excellent potential as a long-term rental, fix-and-flip, or buy-and-hold investment. Adding to its appeal, the property is located in an area with mixed-use and commercial development nearby, offering buyers the opportunity to explore future commercial or mixed-use possibilities, subject to verification with the City of St. Cloud regarding zoning and permitted uses. Whether you’re looking for your next investment project or a property with future upside, this is an opportunity you won’t want to miss.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
1,748
Sqft
0.26 ac
Lot size
1919
Year built
Two
Levels
$171
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 — not generic estimates.
$2,358 /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
$2,358/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
−5%
$/sqft vs ST CLOUD 2ND TOWN OF
$171 vs $246
Days on market
6 vs 42 typical
Where $171/sqft sits among the 26 homes for sale in ST CLOUD 2ND TOWN OF
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
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
16 of 26
ST CLOUD 2ND TOWN OF have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% 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 1204 MICHIGAN AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$409,900
1503 WISCONSIN AVE · same community
3 bd · 3 ba · 1,765 sqft · $232/sqft · 43 DOM
Sold · May ’26$415,000
425 WISCONSIN AVENUE · same community
3 bd · 2 ba · 1,726 sqft · $240/sqft · 11 DOM
Sold · Sep ’25$370,000
135 GEORGIA AVENUE · same community
4 bd · 2 ba · 1,622 sqft · $228/sqft · 29 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
Ricardo Ramirez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1204 MICHIGAN AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1204 MICHIGAN AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Ricardo's phone and CRM.
Straight answers
1204 MICHIGAN AVENUE FAQs
What would the monthly payment be for 1204 MICHIGAN AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,358/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1204 MICHIGAN AVENUE?+
The most recent tax bill on record (2025) was $3,671. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $299,000, this home is listed about 30% below the St Cloud median of $429,675. The market section on this page shows how the area is trending.
Which schools are assigned to 1204 MICHIGAN AVENUE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of PORTFOLIO REAL ESTATE OF FLORIDA · Rick Allen, III. MLS #R4911742.
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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