David Ramirez
$275,0001 bd1 ba782 sqft$352 /sqft$1,939 /mo all-in ↓

714 MASSACHUSETTS AVENUE, ST CLOUD, FL, 34769

Active36 days on marketListed Jun 17, 2026MLS #S5152107

Single Family ResidenceST CLOUD 2ND TOWN OF

About this home

714 MASSACHUSETTS AVENUE

Step back in time while enjoying all the modern comforts in this beautifully updated historic gem located in the heart of Downtown St. Cloud! Proudly displaying a 1910 Historic Plaque, this charming home offers timeless character, thoughtful updates and an unbeatable location. Relax on the welcoming front porch with your morning coffee while enjoying a front-row seat to St. Cloud’s beloved Christmas Parade each year. Inside, you’ll find a bright and inviting open concept floor plan where every square foot has been carefully designed for functionality and comfort. The remodeled kitchen is sure to impress with shaker style cabinetry, quartz countertops, Samsung appliances and a center island topped with a sleek stainless steel countertop. The updated bathroom features a stunning walk in shower with quartz walls and a modern smart mirror. Historic charm abounds throughout the home from the over 100 year old stained glass front door imported from England to the wide baseboards and architectural details that make this home truly special. The oversized bedroom offers plenty of space and could be converted back into a two-bedroom layout if desired. Major updates provide peace of mind including a 2010 metal roof, replacement windows (2018), HVAC system replaced approximately two years ago, tankless water heater, updated 200-amp electrical service, and a replaced electrical panel in the detached garage. The private backyard leads to a detached block two-car garage complete with a mini-split air conditioning system, making it ideal for a workshop, home office, hobby space, gym, or vehicle storage. Alley access behind the property provides additional convenience, while street parking is available in front of the home. The private backyard leads to a detached block two-car garage complete with a mini-split air conditioning system, making it ideal for a workshop, home office, hobby space, gym, or vehicle storage. Located just minutes from the St. Cloud Lakefront, you’ll enjoy easy access to walking and biking trails, a splash pad, marina, boat ramp, waterfront restaurant and beautiful lake views. Downtown St. Cloud continues to thrive with locally owned restaurants, coffee shops, boutiques, and entertainment making this a wonderful opportunity to own a piece of local history in one of Central Florida’s most charming communities.

Facts & features

The home at a glance

1

Bedrooms

1

Bathrooms

782

Sqft

0.17 ac

Lot size

2

Garage

1930

Year built

One

Levels

$352

Per sqft

NegotiablePets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator · Tankless Water Heater
InteriorCeiling Fan(s) · Crown Molding · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Stone Counters · Walk-In Closet(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofMetal
ConstructionHardiPlank Type · Wood Frame · Wood Siding
FoundationCrawlspace
FacesEast
ParkingGarage Door Opener
ExteriorRain Gutters

Community & fees

Taxes (2025)$463/yr
PetsYes

Utilities & systems

UtilitiesElectricity Available · Water Available
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,939 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property tax — 2025 actual bill$39
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,625Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $9,625
Interest rate6.00%
Loan term

Estimated payment

$1,939/mo

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property taxes (actual bill)$39
Est. insurance$160

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

Map of 714 MASSACHUSETTS AVENUE

Drive times from this address

Universal Orlando31 min
Walt Disney World32 min
Orlando Int’l Airport (MCO)32 min
Downtown Orlando32 min

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

ElementaryLakeview Elementary School★★★★★
HighSt. Cloud High School★★★★★
MiddleSt. Cloud Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The St Cloud market

Seller’s marketBalanced6.2 months of inventoryBuyer’s 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 4% above the ST CLOUD 34769 median. See the full St Cloud market guide →

Paper trail

This home's history

Jun 17, 2026Listed at $275,000 · 36 days on market since
1930Built · ST CLOUD 2ND TOWN OF

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 714 MASSACHUSETTS AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 714 MASSACHUSETTS 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.

Goes straight to David’s phone and CRM.

Straight answers

714 MASSACHUSETTS AVENUE FAQs

What would the monthly payment be for 714 MASSACHUSETTS AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,939/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 714 MASSACHUSETTS AVENUE?+

The most recent tax bill on record (2025) was $463. 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 714 MASSACHUSETTS AVENUE?+

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 $275,000, this home is listed about 35% 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 714 MASSACHUSETTS 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.

Listing courtesy of HERITAGE REAL ESTATE AGENCY LLC · Christina Jordan Davis. MLS #S5152107.

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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