1117 11TH STREET, ST CLOUD, FL, 34769
Active21 days on marketListed Jul 17, 2026MLS #S5153881
About this home
1117 11TH STREET
Available September 4th! Don't miss this beautifully maintained 2-bedroom, 1-bathroom apartment located in the heart of Historic Downtown St. Cloud at 1117 Pennsylvania Avenue, Unit A. Enjoy the convenience of being just minutes from Lakefront Park, local boutiques, restaurants, coffee shops, and the vibrant downtown district.This home offers an unbeatable location with easy access to US-192 (Irlo Bronson Memorial Highway), Florida's Turnpike, Narcoossee Road, and SR 417 (Central Florida GreeneWay), making commuting to Lake Nona Medical City, Orlando International Airport (MCO), Kissimmee, and Orlando quick and convenient. Experience the charm of downtown living while being close to schools, shopping centers, parks, and entertainment.The security deposit may vary from 1.5 to 2 months' rent. The application fee is $95 each adult. We will conduct a credit report, eviction report, background check, and pet screening. Completed applications are processed on a first-come, first-serve basis. Applicants are welcome to apply prior to viewing the unit. The security deposit may vary from 1.5 to 2 months' NOTE: All PROPERTY MANAGER residents are enrolled in the Resident Benefits Package (RBP) for $60.00/month, which includes renters insurance, pest control treatment, HVAC air filter delivery (for applicable properties), credit building to help boost your credit score with timely rent payments, $1M Identity Protection, move-in concierge service making utility connection and home service setup a breeze during your move-in, our best-in-class resident rewards program, and much more!
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
512
Sqft
0.16 ac
Lot size
1926
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$169 /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
$169/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs ST CLOUD
$2 vs $307
Days on market
21 vs 42 typical
Where $2/sqft sits among the 6 homes for sale in ST CLOUD
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
$412K → $395K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
1 of 6
ST CLOUD have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 100% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1117 11TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$271,000
9005 JUPITER DRIVE · same community
3 bd · 2 ba · 0 sqft · 145 DOM
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
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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 1117 11TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1117 11TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1117 11TH STREET FAQs
What would the monthly payment be for 1117 11TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $169/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 1117 11TH STREET?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit, 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 $1,250, this home is listed about 100% below the St Cloud median of $429,675. The market section on this page shows how the area is trending.
Which schools are assigned to 1117 11TH 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.
The brief
Three things that matter here
01Under the ST CLOUD 34769 market on paper
$1,250 is 100% below the ST CLOUD 34769 median of $269,950, and at $2/sqft it sits under the St Cloud average of $237.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $1,325, now $1,250 — a $75 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA LAKES REALTY · Tatiana Diaz. MLS #S5153881.
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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