1322 NEW YORK AVENUE, ST CLOUD, FL, 34769
Active88 days on marketListed Apr 28, 2026MLS #O6402219
About this home
1322 NEW YORK AVENUE
Unique opportunity in a prime location in historic downtown St. Cloud, Florida. This parcel is part of a four-parcel package deal on the New York Ave block of Irlo Bronson Pkwy/US192, right across from Veterans' Park and the Amphitheater, and across from the historic shopping district and City Hall. These four parcels are each 0.16 acres for a total of 0.64 contiguous acres. This location is zoned HB (Highway Business), with permitted uses of residential and commercial. This is an investment portfolio consisting of one vacant lot (0.16 acres) and three small income-producing homes that could be leased to individuals or small businesses, or developed into a commercial project. This package includes 1310 New York Ave, 1314 New York Ave, 0 New York Ave, and 1322 New York Ave. Also listed as a commercial property for sale, MLS# O6381462.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
816
Sqft
0.16 ac
Lot size
2
Garage
1910
Year built
One
Levels
$1,471
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.
$7,331 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$7,331/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+405.4%
$/sqft vs St Cloud actives
$1,471 vs $219
Days on market
88 vs 33 typical
Where $1,471/sqft sits among the 400 St Cloud actives
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)
199 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 353% 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 1322 NEW YORK AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$270,000
330 DAKOTA AVENUE · same community
3 bd · 1 ba · 960 sqft · $281/sqft · 106 DOM
Sold · Oct ’25$304,500
519 WYOMING AVENUE · same community
3 bd · 2 ba · 1,162 sqft · $262/sqft · 33 DOM
Sold · Jun ’26$325,000
806 ILLINOIS AVENUE · same community
3 bd · 2 ba · 1,234 sqft · $263/sqft · 15 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1322 NEW YORK AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1322 NEW YORK AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1322 NEW YORK AVENUE FAQs
What would the monthly payment be for 1322 NEW YORK AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,331/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 1322 NEW YORK AVENUE?+
The most recent tax bill on record (2025) was $2,946. 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 $1,200,000, this home is listed about 182% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1322 NEW YORK 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
01Positioned at the premium end
$1,200,000 runs 353% above the ST CLOUD 34769 median.
02Park/Greenbelt views
The park/greenbelt view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
88 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of Q BOUTIQUE SPECIALTY REALTY INC · Laura Diss. MLS #O6402219.
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.
Never miss a listing
New St Cloud homes, in your inbox
Like 1322 NEW YORK AVENUE but not quite? A daily digest of every new listing in St Cloud — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →