2513 INDEPENDENCE LANE, ST CLOUD, FL, 34772
Active113 days on marketListed Mar 30, 2026MLS #S5146767
About this home
2513 INDEPENDENCE LANE
NEW ROOF 2024, UPDATED WINDOWS, STORM SHUTTERS, UPDATED SLIDERS WITH THE BLINDS IN THE GLASS, A/C REPLACED IN 2019.......we have TWO living areas: a very LARGE family room with plenty of space for two set ups, and a more quaint living room with shelving, built-ins, & a good view the FL ROOM. This FL ROOM has screen and GLASS WINDOWS.......the windows, side door, & roof insulation on this FL ROOM were all updated in 2009. Miscellaneous spare closets help with storage, slight vaulted ceilings help keep that spacious feel, & our Kitchen is positioned perfectly in the center of the home. Lots of cabinets, all of its appliances will stay, we have a convenient center island with a breakfast bar, a closet pantry, & a window with a serving ledge that overlooks the FL ROOM. There is a designated DINING NOOK for those who prefer formal meals.......create an office space in this nook if a formal dining is not your "cup of tea". The Owner's Suite has a HUGE walk-in closet & a private bath. This bath has dual sinks, a stand-up shower, & extra cabinetry. Our LAUNDRY corner is INSIDE, it has cabinets, TWO closets, & the WASHER & DRYER WILL STAY!! For access, there is currently a built-in ramp leading to the entry door.......if you choose to remove the ramp to have more space in the carport, the original entry steps are in place. This 12'x51' CARPORT is GINORMOUS and would easily allow the parking of 3 standard vehicles or a golf cart(s). In addition to the carport, we also have an ATTACHED GARAGE!!! The door itself was replaced 5 years ago, it's equipped with a rear pedestrian door, a keypad, & a SMART OPENER........this makes the perfect area for parking, tinkering, or storage. IRRIGATION IS IN PLACE......28 HEADS AND THE RAINBIRD SYSTEM WAS RECENTLY INSPECTED & PROGRAMMED BY TOHO WATER. Woods presently makes the back view. TEKA VILLAGE IS GATED, THE HOA IS ONLY $120 A MONTH, AMENITIES INCLUDE AN INDOOR POOL, A CLUBHOUSE, WORKOUT ROOM, NEW COMMUNITY MAILBOX, SHUFFLEBOARD COURTS, & A PARKING YARD FOR YOUR RV/CAMPER OR BOAT!!! Location is ideal......price is right for a 3-bedroom.......just needs your personal vision to create a warm abode called "HOME".
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,519
Sqft
0.18 ac
Lot size
1
Garage
1984
Year built
One
Levels
$115
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 and the real association fee — not generic estimates.
$1,421 /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
$1,421/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.
$/sqft vs TEKA VILLAGE PH 1
$115 vs $127
Days on market
113 vs 33 typical
Where $115/sqft sits among the 7 homes for sale in TEKA VILLAGE PH 1
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
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
6 of 7
TEKA VILLAGE PH 1 have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 2513 INDEPENDENCE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$175,000
2509 INDEPENDENCE LANE · same community
2 bd · 2 ba · 1,507 sqft · $116/sqft · 83 DOM
Sold · Jul ’25$192,000
2538 LONGPINE LANE · same community
2 bd · 2 ba · 1,248 sqft · $154/sqft · 125 DOM
Sold · Mar ’26$177,000
4418 BRAVE LANE · same community
2 bd · 2 ba · 1,175 sqft · $151/sqft · 13 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 2513 INDEPENDENCE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2513 INDEPENDENCE LANE — 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
2513 INDEPENDENCE LANE FAQs
What would the monthly payment be for 2513 INDEPENDENCE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,421/mo — principal and interest, the actual property-tax bill, the $120/mo association fee 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.
How much are the HOA fees at 2513 INDEPENDENCE LANE?+
The association fee works out to $120 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2513 INDEPENDENCE LANE?+
The most recent tax bill on record (2025) was $400. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2513 INDEPENDENCE LANE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $175,000, this home is listed about 59% 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 2513 INDEPENDENCE LANE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST CLOUD 34772 market on paper
$175,000 is 53% below the ST CLOUD 34772 median of $369,999, and at $115/sqft it sits under the St Cloud average of $236.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
113 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 $225,000, now $175,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Jennifer Davis, PA. MLS #S5146767.
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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