738 MICHIGAN CT UNIT 4, ST CLOUD, FL, 34769
Active127 days on marketListed Mar 19, 2026MLS #O6392211
About this home
738 MICHIGAN CT UNIT 4
Newly full remodeled condo nestled in the heart of St. Cloud on a quiet & pristine community, schools on walking distance, and close to shopping and entertainment. Don't miss the opportunity to a great investment property.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
784
Sqft
1972
Year built
One
Levels
$191
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 and the real association fee — not generic estimates.
$1,577 /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
$1,577/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
+17.3%
$/sqft vs St Cloud actives
$191 vs $221
Days on market
127 vs 33 typical
Where $191/sqft sits among the 400 St Cloud actives
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 Palm Gardens
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
Palm Gardens — neighborhood snapshot
Population
599
Median age
37
Median income
$67,201
Median home value
$313,000
Avg household
3
Households w/ children
82%
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)
194 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% 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 738 MICHIGAN CT UNIT 4
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$250,000
100 W MYRTLE STREET · same community
2 bd · 1 ba · 1,456 sqft · $172/sqft · 109 DOM
Sold · Jan ’26$650,000
2180 Pennwood Drive, Melbourne FL 32901 · same community
5 bd · 4 ba · 3,393 sqft · $192/sqft · 3 DOM
Sold · Mar ’26$122,500
732 MICHIGAN COURT UNIT 3
2 bd · 1 ba · 784 sqft · $156/sqft · 11 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 738 MICHIGAN CT UNIT 4 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 738 MICHIGAN CT UNIT 4 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
738 MICHIGAN CT UNIT 4 FAQs
What would the monthly payment be for 738 MICHIGAN CT UNIT 4?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,577/mo — principal and interest, the actual property-tax bill, the $300/mo association fee 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.
How much are the HOA fees at 738 MICHIGAN CT UNIT 4?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 738 MICHIGAN CT UNIT 4?+
The most recent tax bill on record (2025) was $2,017. 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 738 MICHIGAN CT UNIT 4?+
The listing reports pets: Cats OK, Dogs OK. 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 $150,000, this home is listed about 65% 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 738 MICHIGAN CT UNIT 4?+
St. Cloud Middle School (middle), St. Cloud High School (high), Michigan Avenue Elementary School (elementary) — 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
$150,000 is 43% below the ST CLOUD 34769 median of $265,000, and at $191/sqft it sits under the St Cloud average of $236.
02Garden & Trees/Woods views
The garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
127 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
Listing courtesy of SOGO REAL ESTATE SERVICES LLC · Marianela Zambrano Criollo. MLS #O6392211.
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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