437 OREGON AVENUE, ST CLOUD, FL, 34769
Active80 days on marketListed May 5, 2026MLS #O6405244
About this home
437 OREGON AVENUE
Welcome to this charming 3-bedroom, 2-bath home nestled in the heart of St. Cloud! This well-maintained property offers a spacious layout with a separate living room and dining room—perfect for both everyday living and entertaining. The home features a durable metal roof, providing long-term value and peace of mind. Enjoy the inviting curb appeal with mature landscaping and a generous yard, ideal for relaxing, gardening, or hosting gatherings. Inside, you’ll find comfortable living spaces with plenty of natural light and flexibility for a variety of lifestyles. Conveniently located near local shops, dining, and schools, this home combines comfort, character, and practicality in a desirable location. Don’t miss the opportunity to make this St. Cloud gem your own!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,720
Sqft
0.26 ac
Lot size
1982
Year built
One
Levels
$205
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,566 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,566/mo
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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−1.8%
$/sqft vs ST CLOUD 2ND TOWN OF
$205 vs $251
Days on market
80 vs 33 typical
Where $205/sqft sits among the 27 homes for sale in ST CLOUD 2ND TOWN OF
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
15 of 27
ST CLOUD 2ND TOWN OF have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 33% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 437 OREGON AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$415,000
425 WISCONSIN AVENUE · same community
3 bd · 2 ba · 1,726 sqft · $240/sqft · 11 DOM
Sold · Dec ’25$409,900
1503 WISCONSIN AVE · same community
3 bd · 3 ba · 1,765 sqft · $232/sqft · 43 DOM
Sold · Sep ’25$370,000
135 GEORGIA AVENUE · same community
4 bd · 2 ba · 1,622 sqft · $228/sqft · 29 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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.
Your agent
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 437 OREGON AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 437 OREGON AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
437 OREGON AVENUE FAQs
What would the monthly payment be for 437 OREGON AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,566/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 437 OREGON AVENUE?+
The most recent tax bill on record (2025) was $2,141. 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 $351,950, this home is listed about 17% 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 437 OREGON 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
Four things that matter here
01Positioned at the premium end
$351,950 runs 33% above the ST CLOUD 34769 median.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
80 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $361,950, now $351,950 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BENSON MARSHALL LLC · Helen Marshall. MLS #O6405244.
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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