706 JERSEY AVENUE, ST CLOUD, FL, 34769
Active30 days on marketListed Jun 19, 2026MLS #S5152244
About this home
706 JERSEY AVENUE
Welcome to this charming 2-bedroom, 1-bath home located in the heart of St. Cloud! Built in 1974, this well-maintained residence offers 912 square feet of comfortable living space and sits on a spacious 7,492-square-foot lot with no HOA restrictions. Inside, you’ll find a functional layout featuring a bright living area, dedicated dining space, and a combination of ceramic tile and carpet flooring. The home offers central heating and an inviting atmosphere that’s perfect for first-time homebuyers, downsizers, or investors seeking a property with great potential. Enjoy the convenience of being just minutes from historic Downtown St. Cloud, local shops, restaurants, schools, parks, and the beautiful Lakefront Park. With easy access to major roadways, this home provides the perfect blend of small-town charm and everyday convenience. Don’t miss this opportunity to own an affordable home with a generously sized yard and endless possibilities in one of St. Cloud’s established neighborhoods!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
912
Sqft
0.17 ac
Lot size
1974
Year built
One
Levels
$307
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.
$2,167 /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
$2,167/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.
vs edgeAI estimate
+9.7%
$/sqft vs St Cloud actives
$307 vs $221
Days on market
30 vs 33 typical
Where $307/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
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)
189 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 706 JERSEY 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 706 JERSEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 706 JERSEY 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
706 JERSEY AVENUE FAQs
What would the monthly payment be for 706 JERSEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,167/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 706 JERSEY AVENUE?+
The most recent tax bill on record (2025) was $2,817. 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 $280,000, this home is listed about 34% 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 706 JERSEY 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 EXP REALTY, LLC · Karina Garate. MLS #S5152244.
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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