623 JERSEY AVENUE, ST CLOUD, FL, 34769
Active54 days on marketListed May 27, 2026MLS #O6411159
About this home
623 JERSEY AVENUE
Welcome to 623 Jersey Ave — a beautifully renovated 3-bedroom, 2-bath home offering 1,740 sq. ft. of modern comfort and style in the heart of Saint Cloud! Every inch of this home has been meticulously updated and it truly shows. Enjoy peace of mind with major upgrades already completed, including a brand-new roof (December 2024), new A/C unit, updated electrical panel, new water heater, and new plumbing. The stunning kitchen is a true centerpiece featuring all-new shaker-style soft-close cabinetry, sleek quartz countertops, stainless steel appliances, a large single-bowl sink with modern fixtures, and a spacious island perfect for cooking, gathering, and entertaining. The split floor plan offers privacy and functionality, with a spacious primary suite showcasing a fully renovated bathroom and walk-in shower. French doors open to a huge screened-in back porch, creating the perfect indoor-outdoor living experience. The oversized backyard is fully fenced and loaded with potential — with plenty of room for a pool, RV, boat parking, playground, or outdoor oasis. Additional upgrades include luxury vinyl plank flooring throughout, fresh interior and exterior paint, recessed lighting, modern fixtures, new ceiling fans, updated hardware, new blinds, and energy-efficient improvements. A long paver driveway provides ample parking and leads to a attached carport/storage area for added convenience. Located only a couple of blocks from Lake Front and near shopping, dining, parks, major highways, and local attractions, this move-in ready gem combines charm, functionality, and modern upgrades all in one. Don’t miss your opportunity to own this incredible Saint Cloud home — schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,740
Sqft
0.26 ac
Lot size
1967
Year built
One
Levels
$230
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.
$3,185 /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
$3,185/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
+21.1%
$/sqft vs ST CLOUD 2ND TOWN OF
$230 vs $246
Days on market
54 vs 33 typical
Where $230/sqft sits among the 30 homes for sale in ST CLOUD 2ND TOWN OF
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)
13 of 30
ST CLOUD 2ND TOWN OF have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 623 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 · Jan ’26$450,000
143 LOUISIANA AVENUE · same community
4 bd · 2 ba · 1,696 sqft · $265/sqft · 193 DOM
Sold · Sep ’25$370,000
135 GEORGIA AVENUE · same community
4 bd · 2 ba · 1,622 sqft · $228/sqft · 29 DOM
Sold · Dec ’25$350,000
1409 VIRGINIA AVENUE · same community
3 bd · 2.5 ba · 1,592 sqft · $220/sqft · 101 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 623 JERSEY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 623 JERSEY AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
623 JERSEY AVENUE FAQs
What would the monthly payment be for 623 JERSEY AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,185/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 623 JERSEY AVENUE?+
The most recent tax bill on record (2025) was $5,927. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 623 JERSEY AVENUE?+
The listing reports pets: Cats OK, Dogs OK, 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 $399,900, this home is listed about 6% 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 623 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 · Gladisnell Akers. MLS #O6411159.
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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