


$339,000
438 Virginia AvenueSt Cloud, FL 34769
Listing updated: October 22, 2026 at 4:25 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
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
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
- Status: ActiveOct 22, 2026
- Listed$339,000Oct 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
| Room | Level | Dimensions |
|---|---|---|
| Living Room | 10x19 | |
| Kitchen | 8x9 | |
| Primary Bedroom | 10x10 | |
| 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-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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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.
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