5165 TOPEKA AVENUE, ST CLOUD, FL, 34773
Active21 days on marketListed Jul 2, 2026MLS #S5152897
About this home
5165 TOPEKA AVENUE
Nearly an Acre • No HOA • New Roof • New A/C • Flex Room with 4th Bedroom Potential! Enjoy the freedom of country-style living with no HOA on this spacious 0.79-acre property featuring a well-maintained 2003 manufactured home offering 1,800 square feet of living space. Designed with a desirable split-bedroom floor plan, this home includes 3 bedrooms plus a private sitting room off the primary suite that could easily be converted into a 4th bedroom, nursery, home office, or flex space to suit your needs. Major updates have already been completed, including a new architectural shingle roof (2023) and a brand-new A/C system (2025), allowing the next owner to focus on adding their own personal style rather than replacing costly systems. Step outside and enjoy everything this property offers. The expansive lot provides plenty of room for RVs, boats, trailers, gardening, or future improvements, while the rear pond and fire pit create the perfect setting to relax, entertain, and enjoy peaceful Florida evenings. Inside, the home offers great bones and requires only minor cosmetic TLC, making it an excellent opportunity to personalize the space while building equity. If you've been searching for affordable acreage with modern mechanical updates, flexible living space, and no HOA restrictions, this property is one you won't want to miss! THIS HOME IS PRICED TO SELL! ________________________________________
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,800
Sqft
0.79 ac
Lot size
2003
Year built
One
Levels
$133
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.
$1,912 /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
$1,912/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 34773 — neighborhood snapshot
Population
5,495
Median age
38.2
Median income
$64,498
Median home value
$312,500
Avg household
3.06
Households w/ children
629
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 23% below the ST CLOUD 34773 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 5165 TOPEKA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5165 TOPEKA 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
5165 TOPEKA AVENUE FAQs
What would the monthly payment be for 5165 TOPEKA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,912/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 5165 TOPEKA AVENUE?+
The most recent tax bill on record (2025) was $2,800. 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 $239,900, this home is listed about 44% 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 5165 TOPEKA AVENUE?+
Harmony High School (high), Harmony Community School (elementary), Narcoossee Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of SELL-N-SAVE2 · Steve Shurba. MLS #S5152897.
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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