2112 9TH STREET, ST CLOUD, FL, 34769
Active96 days on marketListed Apr 16, 2026MLS #O6399376
About this home
2112 9TH STREET
ROOF WILL BE REPLACED PRIOR TO CLOSING. Welcome to St. Cloud This single-family home carries real character and historical value. Located just a short distance from the brick streets and shops of historic downtown St. Cloud, the house sits in a neighborhood with deep roots in the area’s early days. Inside, you’ll find an updated kitchen along with tile and vinyl floors that run throughout the home. The layout includes three bedrooms and two bathrooms, giving you practical space for daily living. The property offers easy access to the lake, with nearby paths, fishing spots, and Lakefront Park right around the corner. Spend time on the water, at the marina, or simply enjoying the views of East Lake Tohopekaliga. Historic downtown St. Cloud sits within walking distance or a very short drive for local dining, events, and shops, while Walt Disney World Resort is about 25-35 minutes away by car. Universal Orlando Resort runs around 25-35 minutes, and Orlando International Airport takes roughly 25-35 minutes. The home includes a workshop for projects or storage, plus an outdoor deck, a nice front patio, and attractive landscaping that adds to the curb appeal. Built in an era when houses had distinct details, this one keeps that older Florida feel while delivering modern updates where it counts. If you’re after a place a home to make your primary, investment, or an Airbnb property with some history, solid bones, and convenient access to both quiet lake living and the bigger attractions, this property delivers. Ready to see it in person? Schedule a showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,622
Sqft
0.15 ac
Lot size
1
Garage
1944
Year built
One
Levels
$185
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.
$2,328 /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
$2,328/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
−3.9%
$/sqft vs ST CLOUD 2ND TOWN OF
$185 vs $246
Days on market
96 vs 33 typical
Where $185/sqft sits among the 29 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
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)
15 of 29
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 9% 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 2112 9TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
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
Sold · Jan ’26$450,000
143 LOUISIANA AVENUE · same community
4 bd · 2 ba · 1,696 sqft · $265/sqft · 193 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 2112 9TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2112 9TH STREET — 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
2112 9TH STREET FAQs
What would the monthly payment be for 2112 9TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,328/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 2112 9TH STREET?+
The most recent tax bill on record (2025) was $3,233. 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 $299,900, this home is listed about 29% 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 2112 9TH 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.
Keep looking
Similar homes nearby
Listing courtesy of THE WILKINS WAY LLC · Kevin Kelly. MLS #O6399376.
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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