2251 TEMPLE LANE, ST CLOUD, FL, 34769
Active25 days on marketListed Jun 25, 2026MLS #O6409676
About this home
2251 TEMPLE LANE
Brand new roof. Corner lot. Not a square foot of carpet. This Saint Cloud home is ready for you. You pull into not one but two driveways, which means no shuffling and no waiting your turn. Inside, wood-look flooring runs through every room. No carpet anywhere, so cleanup stays simple. The layout has room to spread out. A bright family room sits up front, and a separate dining area flows off the kitchen, where you get generous counters and a peninsula with bar seating. The primary bedroom has its own bathroom and a walk-in closet. The second bedroom has a walk-in closet too. An indoor laundry room keeps the chores out of sight. The enclosed porch, lined with windows, is where Florida mornings happen. Coffee, a breeze, and no bugs. The big-ticket items are handled. New roof (June 2026). Water heater replaced in 2023. HVAC from 2018. A corner lot gives you extra yard and more breathing room from the neighbors. Outside your door, Saint Cloud delivers small-town Florida at its best. You are minutes from historic downtown, close to the shores of East Lake Tohopekaliga, and positioned for an easy commute toward the Lake Nona and Medical City corridor. Shopping, dining, and parks are all within reach.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,170
Sqft
0.18 ac
Lot size
1991
Year built
One
Levels
$188
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.
$1,802 /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
$1,802/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
+6.3%
$/sqft vs St Cloud actives
$188 vs $221
Days on market
25 vs 33 typical
Where $188/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 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)
188 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 21% 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 2251 TEMPLE LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$280,000
1961 CRYSTAL LANE · same community
2 bd · 2 ba · 1,374 sqft · $204/sqft · 83 DOM
Sold · Oct ’25$280,000
2351 TEMPLE LANE · same community
4 bd · 2 ba · 1,920 sqft · $146/sqft · 75 DOM
Sold · Apr ’26$230,000
2370 MISSOURI AVENUE
2 bd · 2 ba · 1,164 sqft · $198/sqft · 115 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 2251 TEMPLE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2251 TEMPLE LANE — 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
2251 TEMPLE LANE FAQs
What would the monthly payment be for 2251 TEMPLE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,802/mo — principal and interest, the actual property-tax bill, the $10/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 2251 TEMPLE LANE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2251 TEMPLE LANE?+
The most recent tax bill on record (2025) was $2,880. 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 2251 TEMPLE LANE?+
The listing reports pets: 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 $220,000, this home is listed about 48% 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 2251 TEMPLE LANE?+
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 REAL BROKER, LLC · Chad Vaughan. MLS #O6409676.
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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