0 RICHMOND AVENUE, ST CLOUD, FL, 34772
Active105 days on marketListed Apr 9, 2026MLS #S5147548
About this home
0 RICHMOND AVENUE
MUST SEE!!! Vacant 1.85-acre lot! (9280 Richmond Road St. Cloud) Whether you're looking to build your dream home or secure a great investment, this is your opportunity. Located in the desirable Canaveral Acres subdivision, this property offers privacy, space, and flexibility for future use. A portion of the lot is buildable, giving you the ability to design and construct your home while still enjoying the natural surroundings. Conveniently situated just minutes from the Harmony community and approximately 30 minutes to Melbourne Beach. Don't miss your chance to own a piece of land in a growing area with endless potential!
Facts & features
The home at a glance
1.85 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.
$893 /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
$893/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 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)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
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 0 RICHMOND AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 RICHMOND 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
0 RICHMOND AVENUE FAQs
What would the monthly payment be for 0 RICHMOND AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $893/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 0 RICHMOND AVENUE?+
The most recent tax bill on record (2025) was $449. 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 $109,900, this home is listed about 74% 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 0 RICHMOND AVENUE?+
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.
Listing courtesy of ROYAL REALTY REAL ESTATE, LLC · Francis Rinehart. MLS #S5147548.
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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