$319,000

1144 Monroe Avenue

St Cloud, FL 34769

Active

Beds

Baths

1,230

Sq Ft

0.11

Acres

1986

Built

◆Fireplace◆$259/sqft

🏠Single Family Residence

Property type

🏗️1986

Year built

📐4,661 sqft

Lot size

📊$259

Price / sq ft

🏘️$196/mo

HOA dues

📅43

Days on market

🚗2

Garage spaces

🌊X

Flood zone

About this home

Welcome home to this BEAUTIFULLY MAINTAINED 3-BEDROOM, 2-BATHROOM HOME in the desirable Palamar Oaks Village, known for its small community feel and convenient location. Inside, you’ll find a BRIGHT OPEN FLOOR PLAN with VAULTED CEILINGS, ABUNDANT NATURAL LIGHT, TILE FLOORING THROUGHOUT THE MAIN LIVING AREAS, and a cozy WOOD-BURNING FIREPLACE that creates a warm focal point. The kitchen features NEWER STAINLESS STEEL APPLIANCES, ample cabinetry, and a BREAKFAST BAR, flowing seamlessly into the living space and out to an ENCLOSED/SCREENED PATIO—perfect for relaxing or entertaining while overlooking the backyard. The thoughtfully designed layout offers a SPLIT-BEDROOM FEEL FOR ADDED PRIVACY, including a spacious PRIMARY SUITE WITH PRIVATE BATH, plus two additional bedrooms with generous closet space. Additional highlights include INDOOR LAUNDRY WITH WASHER & DRYER (2024/2025), a SPACIOUS 2-CAR GARAGE, and major updates including ROOF (2018), A/C (2021), and WATER HEATER (2025). Enjoy community amenities including a POOL, CLUBHOUSE, AND MAINTAINED GROUNDS, all conveniently located near St. Cloud Lakefront Park, Downtown St. Cloud, shopping, dining, US-192, and the Florida's Turnpike. MOVE-IN READY AND FULL OF VALUE—THIS IS ONE YOU DON’T WANT TO MISS.

Estimated monthly payment

Principal & interest$1,613

Property taxes$149

Home insurance (est.)$146

HOA dues$196

Down payment

20%

$63,800 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history43 days on market

Status: Active
Apr 16, 2026
Listed$319,000
Apr 16, 2026
Price increased$319,000

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Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 43
Cumulative DOM: 211
Subdivision: Palamar Oaks Village Rep
County: Osceola
Year built: 1986
Living area: 1,230 sq ft
Price/sq ft: $259
Building area: 1,804 sq ft (Public Records)
Lot size: 4,661 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12097C0256G)
Garage: 2 spaces
Annual taxes: $1,787 (2025)
Parcel #: 04-26-30-0042-0001-0250
Zoning: SPUD
MLS #: O6399059

Interior Details

Bedrooms: 3
Full bathrooms: 2
Flooring: Ceramic Tile
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
Interior features: Ceiling Fans(s), Eat-in Kitchen, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Thermostat, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments
Laundry: In Garage, Laundry Closet, Washer Hookup
Stories / Levels: One
Direction faces: South
Fireplace: Yes

Heating & Cooling

Heating: Central
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes

HOA & Financial

HOA fee: $196 / Monthly
Monthly HOA: $196/mo
Total monthly fees: $196/mo
Total annual fees: $2,355
HOA name: Lordes Colon
CDD: No
Homestead exemption: Yes
Min lease term: 8-12 Months
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: No
Additional lease restrictions: Please check Leasing Restrictions with HOA.
Approval process: Please check Approval Process with HOA.

Exterior & Construction

Exterior features: Rain Gutters, Sliding Doors
Construction materials: Stucco
Roof: Shingle
Foundation: Slab
Road surface: Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Public

Community

Pets allowed: Cats OK, Dogs OK

Room Details

Room	Level	Dimensions
Living Room	First	19x15
Primary Bedroom	First	14x13
Bedroom 2	First	10x10
Bedroom 3	First	11x10
Kitchen	First	10x19

Listing Details

Listing date: 2026-04-16
On market date: 2026-04-16
Original list price: $319,000
Occupant type: Vacant
MLS area: 34769 - St Cloud (City of St Cloud)
Listing AOR: Orlando Regional
Status changed: 2026-04-16
Tax legal description: REPLAT OF PALAMAR OAKS VILLAGE PB 7 PG 148 LOT 25

Flood risk

Minimal riskFEMA Zone XPanel 12097C0256G

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From 9161 Narcoossee Rd, head toward Dowden Rd and take FL-417 S. Continue onto Florida’s Turnpike S, then exit toward Clay Whaley Rd/Kissimmee Park Rd heading into St. Cloud. Follow it to Old Canoe Creek Rd, then turn onto Monroe Ave. The destination, 1144 Monroe Ave, St. Cloud, FL 34769, will be on your route. Estimated drive time is about 35 minutes (28.9 miles).

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of May 29, 2026 at 7:05 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA