3430 5TH STREET, ST CLOUD, FL, 34769
Active1 days on marketListed Jul 31, 2026MLS #O6426463
About this home
3430 5TH STREET
This home is perfect for an investor looking for their next project or a buyer with a vision! A 1917 original farm house on .36 acres in a prime St Cloud location. Situated on a corner lot, this 3-bedroom, 2-bathroom home is 1,528 square feet that could be transformed or removed to create a modern structure. NO HOA and just a few blocks from the St. Cloud Lakefront Park and Marina, schools, shops and restaurants. With a desirable location and plenty of possibilities, this property is ready for a total renovation or to host a newly built dream home. Arrange a showing today or call for more details.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,528
Sqft
0.36 ac
Lot size
1917
Year built
One
Levels
$183
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.
$2,465 /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
$2,465/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
−8.1%
Days on market
1 vs 33 typical
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
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
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 6% above the ST CLOUD 34769 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3430 5TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3430 5TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3430 5TH STREET FAQs
What would the monthly payment be for 3430 5TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,465/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 3430 5TH STREET?+
The most recent tax bill on record (2025) was $6,407. 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 $279,900, 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 3430 5TH STREET?+
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 EXP REALTY LLC · Dawn Grigsby. MLS #O6426463.
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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