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$329,990

1024 Vermont AvenueSt Cloud, FL 34769

Listing updated: November 2, 2026 at 1:14 PM ET

Active

Listing courtesy of Exp Realty Llc · Heidi Jones · MLS #O6437083 · Active · 407-706-5000

Beds

Baths

1,583

Sq Ft

0.18

Acres

1910

Built

◆$208/sqft

Single Family Residence

Property type

1910

Year built

8,015 sqft

Lot size

$208

Price / sq ft

No HOA

HOA dues

Days on market

Flood zone

About this home

Virtually Staged. CHARMING 1910 HOME FEATURING THREE BEDROOMS, THREE BATHROOMS, 1,583 SQUARE FEET, A LARGE COVERED FRONT PORCH, FENCED BACKYARD, FLEX SPACE, MAJOR UPGRADES, AND NO HOA—ALL ON A CORNER LOT NEAR DOWNTOWN ST. CLOUD AND THE LAKEFRONT! Lovingly maintained, this distinctive home blends century-old character with thoughtful updates. The front porch creates a welcoming place to relax. Inside, tall windows fill the living room with natural light, while the adjoining family room offers a comfortable gathering space. Arched openings lead to the dining area and kitchen with wood cabinetry, granite countertops, island seating, a mosaic backsplash, and tile flooring. The primary suite includes a tiled bath with a jetted tub and walk-in shower. Upstairs are two additional bedrooms, a full bath, and a loft. The enclosed former carport adds unconditioned flex space with a separate entrance, tile flooring, vaulted ceiling, and ceiling fan—ideal for an office, homeschool room, studio, gym, game room, or retreat. The spacious fenced backyard offers room to entertain, garden, play, or enjoy the Florida sunshine. Major improvements include a durable metal roof, 2016 water heater, and 2025 Carrier 3-ton variable-speed heat-pump HVAC with quiet inverter technology. Conveniently located near Historic Downtown St. Cloud, Lakefront Park, schools, shopping, dining, medical facilities, the Veterans Memorial Library, and US-192.

Estimated monthly payment

Principal & interest$1,669

Property taxes$153

Home insurance (est.)$151

Down payment

20%

$65,998 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 history59 days on market

Status: Active
Sep 4, 2026
Listed$340,000
Sep 4, 2026
Price reduced$329,990

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Seller DisclosurePDFView / Download ↓

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 59
Subdivision: St Cloud 2nd Town Of
County: Osceola
Year built: 1910
Living area: 1,583 sq ft
Price/sq ft: $208
Building area: 1,803 sq ft (Public Records)
Lot size: 8,015 sq ft
Lot category: 0 to less than 1/4
Flood zone: X (12097C0256G)
Annual taxes: $1,838 (2025)
Parcel #: 01-26-30-0001-0153-0090
Zoning: SR2
MLS #: O6437083

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Interior Details

Bedrooms: 3
Full bathrooms: 3
Flooring: Luxury Vinyl, Tile
Appliances: Built-In Oven, Electric Water Heater, Refrigerator
Interior features: Primary Bedroom Main Floor
Laundry: Electric Dryer Hookup, Laundry Room
Stories / Levels: Two
Direction faces: East

Heating & Cooling

Heating: Central
Cooling: Central Air

HOA & Financial

Total monthly fees: None
Total annual fees: None
CDD: No
Homestead exemption: Yes
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: No

Exterior & Construction

Exterior features: None
Construction materials: Frame
Roof: Metal
Foundation: Crawlspace
Road surface: Asphalt

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Electricity Available

Schools

ElementaryLakeview Elem (K 5)GreatSchools ↗

MiddleSt. Cloud Middle (6-8)GreatSchools ↗

High SchoolBSt. Cloud High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Primary Bedroom	First	12x12
Primary Bathroom	First	11x8
Living Room	First	18x22
Kitchen	First	13x15
Dining Room	First	14x11
Bonus Room	First	11x15
Bathroom 1	First	6x8
Laundry	First	7x7
Bedroom 2	Second	16x10
Bathroom 3	Second	11x11
Bathroom 2	Second	8x7
Loft	Second	14x13

Listing Details

Listing date: 2026-09-03
On market date: 2026-09-04
Original list price: $340,000
Occupant type: Owner
MLS area: 34769 - St Cloud (City of St Cloud)
Listing AOR: Orlando Regional
Status changed: 2026-09-04
Tax legal description: ST CLOUD PB B PG 34 BLK 153 E 80 FT LOT 9-12 2/26/30

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 US-192/13th St in St. Cloud, head north on Vermont Ave. Continue approximately 3 blocks. Property will be located at 1024 Vermont Ave between 10th St and 11th St.

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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 November 2, 2026 at 1:14 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.

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