438 Virginia Avenue, FL438 Virginia Avenue, FL438 Virginia Avenue, FL
Stellar MLS
1 / 54

$339,000

438 Virginia AvenueSt Cloud, FL 34769

Listing updated: October 22, 2026 at 4:25 PM ET

Active
Stellar MLSListing courtesy of Godwin Realty Group · Chris Burnette · MLS #S5159921 · Active · 407-957-9545
2
Beds
2
Baths
1,275
Sq Ft
0.26
Acres
1946
Built
◆$266/sqft
Single Family Residence

Property type

1946

Year built

11,238 sqft

Lot size

$266

Price / sq ft

No HOA

HOA dues

0

Days on market

X

Flood zone

About this home

Discover the perfect blend of timeless charm and modern luxury in this beautifully renovated St. Cloud home! Ideally situated on a spacious .26-acre corner lot with NO HOA, this inviting property offers stylish updates, flexible living spaces, and an unbeatable location just a short walk from downtown shopping, dining, and the St. Cloud Lakefront. Step inside to a light-filled, open-concept floor plan designed to maximize space, comfort, and functionality. The stunning kitchen is a true showstopper, featuring elegant quartz countertops, sleek white cabinetry, stainless steel appliances, a BRAND NEW induction cooktop with convection oven, and a NEW dishwasher with a stainless steel interior. The spacious primary suite offers a relaxing retreat with a private en-suite bathroom and double vanity. An additional bedroom, a versatile bonus room ideal for a potential third bedroom, and a separate office provide endless possibilities for guests, hobbies, working from home, or fitness. Enjoy added peace of mind with a BRAND NEW ROOF installed this spring, including new fascia, gutters, soffit, and downspouts. The HVAC system was also upgraded this year with all-new components, motor, and coils, while spray foam attic insulation helps improve energy efficiency and year-round comfort. Outside, the expansive, tree-shaded yard is perfect for entertaining, relaxing, or enjoying the Florida lifestyle. The property also features a patio, detached garage with additional storage, and a carport, offering plenty of room for vehicles, recreational equipment, and all your extras. Conveniently located near shopping, dining, local attractions, Medical City in Lake Nona, and the Spacecoast's beautiful beaches, this MOVE-IN READY gem combines character, thoughtful upgrades, and exceptional flexibility in one desirable package. No HOA, a generous lot, and modern improvements make this St. Cloud home a must-see! Schedule your private showing today! *Home is occupied, unfurnished photos are prior to the seller decorating and moving in.*

Estimated monthly payment

Principal & interest$1,714
Property taxes$346
Home insurance (est.)$155

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 history0 days on market

  1. Status: Active
    Oct 22, 2026
  2. Listed$339,000
    Oct 22, 2026

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
0
Subdivision
St Cloud 2nd Town Of
County
Osceola
Year built
1946
Living area
1,275 sq ft
Price/sq ft
$266
Building area
1,685 sq ft (Public Records)
Lot size
11,238 sq ft
Lot category
1/4 to less than 1/2
Flood zone
X (12097C0095G)
Annual taxes
$4,149 (2025)
Parcel #
01-26-30-0001-0368-0050
Zoning
SR1A
MLS #
S5159921

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Interior Details

Bedrooms
2
Full bathrooms
2
Flooring
Luxury Vinyl
Appliances
Convection Oven, Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
Interior features
Open Floorplan, Stone Counters
Laundry
Inside
Stories / Levels
One
Direction faces
East

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
0
Attached garage
No
Carport
Yes

HOA & Financial

Total monthly fees
None
Total annual fees
None
CDD
No
Homestead exemption
Yes
Min lease term
7 Months
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
Yes
Additional lease restrictions
Buyer is advised to check with City of St. Cloud for any lease restrictions.

Exterior & Construction

Exterior features
Private Mailbox, Rain Gutters, Storage
Construction materials
Block
Roof
Shingle
Foundation
Slab
Road surface
Paved

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Public

Room Details

RoomLevelDimensions
Living Room10x19
Kitchen8x9
Primary Bedroom10x10
Bedroom 1

Listing Details

Listing date
2026-10-22
On market date
2026-10-22
Original list price
$339,000
Occupant type
Owner
MLS area
34769 - St Cloud (City of St Cloud)
Listing AOR
Osceola
Status changed
2026-10-22
Tax legal description
LAKE FRONT ADDN PB B PG 63 BLK 368 S 75 FT LOT 5 1/26/30

Flood risk

Minimal riskFEMA Zone XPanel 12097C0095G

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 Hwy 192 (13th Street) in St. Cloud, turn north onto Virginia Ave. Home will be on the left.

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MLS GRID

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 October 22, 2026 at 4:25 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.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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