307 CALIFORNIA AVENUE, ST CLOUD, FL, 34769
Active77 days on marketListed May 13, 2026MLS #O6407365
About this home
307 CALIFORNIA AVENUE
Discover this beautifully updated, turn-key property located at 307 California Street in the heart of Saint Cloud. This versatile 3-bedroom, 2-bathroom layout is smartly divided into two separate living spaces, offering unparalleled flexibility. Live in one and rent the other to pay your mortgage, house extended family, or lease both units for maximum cash flow. The front unit offers you: 2 Bedrooms, 1 Bathroom with modern Kitchen: Completely remodeled with newer appliances, sleek countertops, and contemporary cabinetry. Fresh Interiors: Features newer flooring throughout and a crisp, clean coat of interior paint. Bright Living Space: Open layout with excellent natural light. Rear unit offers you: 1 Bedroom-1 Bathroom, Kitchenette Efficiency. Recent Upgrades: The entire efficiency setup, including the fully equipped kitchenette and modern bathroom, was newly added just 2 years ago. Complete Privacy: Features its own dedicated, separate private entrance. Income Potential: Ideal for long-term tenants, short-term rentals, or a private guest suite. Big Ticket Items Done: Enjoy total peace of mind with a brand-new A/C system. Privacy & Security: The entire property is enclosed by a newly installed premium vinyl fence. Fresh Curb Appeal: The exterior has been completely repainted, matching the updated interior look. Ample Parking: A large front driveway Primary Homeowners: Enjoy the financial freedom of a built-in mortgage helper or use the rear unit as a perfect mother-in-law suite. Savvy Investors: House hacking at its finest with high rental demand in a growing market, completely free of immediate capital expenditure needs. Come and see it today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,117
Sqft
0.21 ac
Lot size
1959
Year built
One
Levels
$298
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.
$2,571 /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
$2,571/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
+14.2%
$/sqft vs ST CLOUD 2ND TOWN OF
$298 vs $246
Days on market
77 vs 33 typical
Where $298/sqft sits among the 27 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
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
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
17 of 27
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 26% 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 307 CALIFORNIA AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$157,500
1200 MASSACHUSETTS AVENUE · same community
2 bd · 2 ba · 1,119 sqft · $141/sqft · 17 DOM
Sold · Dec ’25$299,000
303 INDIANA AVENUE · same community
3 bd · 1 ba · 1,124 sqft · $266/sqft · 84 DOM
Sold · Jun ’26$274,000
1410 PENNSYLVANIA AVENUE · same community
3 bd · 2 ba · 1,108 sqft · $247/sqft · 26 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 307 CALIFORNIA AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 307 CALIFORNIA AVENUE — 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
307 CALIFORNIA AVENUE FAQs
What would the monthly payment be for 307 CALIFORNIA AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,571/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 307 CALIFORNIA AVENUE?+
The most recent tax bill on record (2025) was $3,684. 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 $332,500, this home is listed about 22% 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 307 CALIFORNIA 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.
The brief
Three things that matter here
01Positioned at the premium end
$332,500 runs 26% above the ST CLOUD 34769 median.
02Time on market is leverage
77 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $335,000, now $332,500 — a $3K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Celeste Baez. MLS #O6407365.
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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