1114 VIRGINIA AVENUE, St. Cloud, FL, 34769 | $239,000

**BACK ON THE MARKET! Buyer backed out before inspections** This beautifully fully updated 2/1 home is the perfect blend of modern convenience and cozy charm. The thoughtfully designed open floor plan creates a bright and inviting atmosphere. The spacious living room flows effortlessly into the modernized kitchen with ample cabinetry and countertop space. The utility closet in the back of the kitchen is perfect for a stackable washer/dryer, making the most of the home’s layout. The bathroom is handicapped accessible, adding to the home’s functionality. Every inch of this home has been enhanced for long-term comfort and efficiency. Recent upgrades include NEWER ROOF, NEW PAINT (inside & out), FLOORING, COUTNER TOPS, APPLIANCES, NEW BATHROOM, ELECTRIC PANELS (inside & out), A/C, ENERGY EFFICIENT WINDOWS, and TANKLESS WATER HEATER, ensuring lower utility costs and peace of mind for years to come. The sleek vinyl flooring throughout adds durability and a stylish, contemporary touch. The home also features a fully enclosed front porch, a nice versatile space that could be used as a Florida room, home office, or cozy hang out area. Sitting on a spacious lot, this property offers plenty of outdoor potential. A 12x10 shed provides extra storage space, while the alleyway access in the back allows you the option to conveniently park in the partially fenced backyard. Just blocks from the lake, this home offers easy access to outdoor recreation while still being close to everyday conveniences. It’s situated near shopping, dining, schools, and major roadways, making it an excellent option for those seeking both tranquility and accessibility. Additionally, its proximity to downtown St. Cloud means entertainment and community events are always within reach. With its charming appeal and modern updates, this home is truly a hidden gem waiting for its next owner. Don't miss this opportunity!

Features

  • Rooms: 4
  • Bedrooms: 2
  • Baths: 1 full
  • Laundry: Laundry Closet
  • Year Built: 1940
  • Heating: Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 598
  • Acreage: 0.17
  • Est. Taxes: $290
  • Elem. School: Michigan Avenue Elem (K 5)
  • Middle School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Appliances: Range, Refrigerator, Tankless Water Heater
  • MLS#: S5123653
  • Days on Market: 21 days
  • Website: https://www.raveis.com
    /prop/S5123653/1114virginiaavenue_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/12/2025 3:53:49 AM)
Listing courtesy of LA ROSA REALTY LLC   Phone: 321-939-3748

William Raveis Family of Services

Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.

Customer Service

888.699.8876

Contact@raveis.com

Our family of companies offer our clients a new level of full-service real estate. We shall:

  • Market your home to realize a quick sale at the best possible price
  • Place up to 20+ photos of your home on our website, raveis.com, which receives over 1 billion hits per year
  • Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
  • Showcase your home on raveis.com with a larger and more prominent format
  • Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology

To learn more about our credentials, visit raveis.com today.

Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Robert ReadeRegional SVP Insurance Sales, William Raveis Insurance

860.690.5052

Robert.Reade@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1114 VIRGINIA AVENUE, St. Cloud, FL, 34769

$239,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $191,200 $191,200 $191,200
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.132%
Monthly Tax Payment $24 $24 $24
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,209 $1,256 $1,601
Total Monthly Payment $1,308 $1,355 $1,700

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.