Kelly Baker
Pending
$210,000$299,0005 bd2 ba1,482 sqft$142 /sqft$1,716 /mo all-in ↓

1407 ILLINOIS AVENUE, ST CLOUD, FL, 34769

Pending108 days on marketListed Apr 17, 2026MLS #O6400304

Priced 24% below the ST CLOUD 34769 medianReduced $89KSingle Family ResidenceST CLOUD 2ND TOWN OF

About this home

1407 ILLINOIS AVENUE

SELLER MOTIVATED. BRING ALL OFFERS! Location, location, location!!! This duplex home is situated in a beautiful neighborhood only one block from the main highway, and is priced to sell. Currently designed into two residences, this is a great investment opportunity, or make it your home and rent out the 2nd residence. In the two-story main (front) residence, there is one bedroom and a bath downstairs and there are two bedrooms upstairs. The main kitchen is spacious enough for a table and chairs, and the living room is large and inviting. The owner has made a significant investment in renovations completed to date. Updates include new subfloors and leveling, luxury vinyl tile throughout both residences (excluding front apartment kitchen and rear apartment bath) and new HVAC AC (Ductless/mini-split) in both residences, with 3 compressors and 7 interior wall units. The Main residence is approximately 1030 SF and is a 3/1, and is ready to move in. The main residence updates include new windows, doors, bathroom sink, lighting and cabinet, baseboards, drywall, floors, paint, newly built staircase. The outside of the main residence has been cleaned, repaired and landscaped. The roof has been cleaned, repaired and painted. No leaks! For the rear residence, a 2 bedroom 1 bath that is approximately 454 SF, see photos of unfinished/unrepaired (except for LVT on floors and HVAC ductless mini-split units which have already been installed) walls and windows. It has its own separate entrance, kitchen and bath. There are 5 new windows already purchased that buyer can have installed. Exterior of the home has been painted. Lattice around bottom of entire home has been installed. There is a large, completely fenced back yard with a large storage shed (needs removal of overhang, but otherwise sturdy building). The yard is very private and is a great place to cook out or just hang out. There is plenty of room for a playset or playhouse, or even a pool! This property has so many options! Renovate to reside in the entire home, live in the front 2 story residence and renovate to rent out the back residence or use the back as an In Law Suite with its private entrance, or finish the renovation in the back residence and rent out both the front and the back!! This is a great investment for a homeowner or an investor. Property is close to some great amenities, including Disney and major theme parks, a local beach, park and quaint downtown just a few blocks away. It is a short distance to shops, schools and restaurants…including the locally famous Fat Boy's BBQ with salad bar, The Cup Diner, Crabby’s on the Lakefront and the local favorite The Catfish Restaurant.

Facts & features

The home at a glance

5

Bedrooms

2

Bathrooms

1,482

Sqft

0.16 ac

Lot size

1920

Year built

Two

Levels

$142

Per sqft

Inside

FlooringLuxury Vinyl · Vinyl
AppliancesDryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan
LaundryWasher Hookup
CoolingMini-Split Unit(s)
HeatingElectric

Outside & construction

RoofMetal
ConstructionWood Siding
FoundationCrawlspace
FacesNorth
ExteriorPrivate Yard

Community & fees

Taxes (2025)$2,721/yr

Utilities & systems

UtilitiesCable Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,716 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,236
FHA mortgage insurance (est.)$93
Property tax — 2025 actual bill$227
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,350Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $7,350
Interest rate6.00%
Loan term

Estimated payment

$1,716/mo

Principal & interest$1,236
FHA mortgage insurance (est.)$93
Property taxes (actual bill)$227
Est. insurance$160

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.

Where it sits

Inside St Cloud

Map of 1407 ILLINOIS AVENUE

Drive times from this address

Universal Orlando31 min
Orlando Int’l Airport (MCO)31 min
Walt Disney World32 min
Downtown Orlando32 min

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

ElementaryLakeview Elementary School★★★★★
HighSt. Cloud High School★★★★★
MiddleSt. Cloud Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s market

$414K$400K

St Cloud median sold, yr/yr

98.4%

Sale-to-list ratio (12 mo)

Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 24% below the ST CLOUD 34769 median. See the full St Cloud market guide →

Paper trail

This home's history

CurrentPrice reduced to $210,000 $89K
Apr 17, 2026Listed at $299,000 · 108 days on market since
1920Built · ST CLOUD 2ND TOWN OF

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.

Kelly Baker

Your agent

Kelly Baker

Sales associate · CENTURY 21 Edge

Tours, negotiation, and every question about 1407 ILLINOIS AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1407 ILLINOIS AVENUE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Kelly's phone and CRM.

Goes straight to Kelly’s phone and CRM.

Straight answers

1407 ILLINOIS AVENUE FAQs

What would the monthly payment be for 1407 ILLINOIS AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,716/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 1407 ILLINOIS AVENUE?+

The most recent tax bill on record (2025) was $2,721. 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 $210,000, this home is listed about 51% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.

Which schools are assigned to 1407 ILLINOIS 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.

The brief

Three things that matter here

01Under the ST CLOUD 34769 market on paper

$210,000 is 24% below the ST CLOUD 34769 median of $274,900, and at $142/sqft it sits under the St Cloud average of $236.

02Time on market is leverage

108 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $299,000, now $210,000 — a $89K cut. The full history is in the market section below.

Listing courtesy of MARTIN PROPERTY INVESTMENTS REALTY LLC · Suzanne Martin. MLS #O6400304.

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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