
1412 VERMONT AVENUE, ST CLOUD, FL, 34769
Active1248 days on marketListed Feb 22, 2023MLS #S5081147
About this home
1412 VERMONT AVENUE
This property in the City of St. Cloud, one of the few remaining lots available for building, presents a unique opportunity for custom home construction or investment. Here are the key highlights to consider: Rare Opportunity: The property is described as one of the only properties left in the City of St. Cloud where you can build a custom home. Such opportunities can be increasingly rare in established areas. No HOA: The absence of a homeowners' association (HOA) means that there are no associated fees or restrictions on how you can use or develop the property. This provides flexibility and autonomy for your plans. No Time Restrictions: There are no time restrictions to commence construction after purchasing the property. This can be advantageous if you're not in a hurry to build and want to hold onto the land for future development. Central Location: Situated between two existing houses, the lot enjoys a central and desired location in St. Cloud. Its proximity to the St. Cloud Lakefront and downtown St. Cloud makes it convenient for accessing amenities and recreational areas. Cleared Lot: The fact that the lot is cleared and ready for construction can save you time and expense in site preparation. Owner Financing: The option for owner financing with around $50,000 down payment is available. This can be beneficial if you prefer a financing arrangement directly with the owner. Overall, this property offers an opportunity to customize a home or make a strategic investment in a desirable location in St. Cloud. If interested, reaching out to the owner or a real estate agent for more information and a viewing is advisable.
Facts & features
The home at a glance
0.17 ac
Lot size
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.
$1,242 /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
$1,242/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.
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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1412 VERMONT AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$325,000
1010 MISSISSIPPI AVENUE · same community
2 bd · 2 ba · 1,124 sqft · $289/sqft · 64 DOM
Sold · May ’26$285,000
1601 CONNECTICUT AVENUE · same community
3 bd · 1.5 ba · 1,200 sqft · $238/sqft · 129 DOM
Sold · Jul ’26$350,000
612 PENNSYLVANIA AVENUE · same community
3 bd · 2 ba · 1,346 sqft · $260/sqft · 17 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 1412 VERMONT AVENUE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1412 VERMONT 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
1412 VERMONT AVENUE FAQs
What would the monthly payment be for 1412 VERMONT AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,242/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 1412 VERMONT AVENUE?+
The most recent tax bill on record (2025) was $836. 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 $159,900, this home is listed about 62% 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 1412 VERMONT 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.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 ALL HOMES & PROPERT · Kish Munjal. MLS #S5081147.
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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