812 10TH STREET, St. Cloud, FL, 34769 | $318,000

WELCOME HOME. You will find this spacious home has all you need and more! Just blocks from Downtown St Cloud this home is nestled on a desirable corner lot. The covered entryway leads inside to the foyer and into your expansive great room with vaulted ceilings. The natural light flows through the airy design. Cozy up with a good book by the bay window or enjoy the easy flow of space for weekend entertaining. Just off the great room you will find the hallway bathroom, a linen closet and bedrooms 2 and 3. Each bedroom offers double built-in closets with shelving and bright rooms. Bathroom has a tub/shower combo and nice size vanity with storage. At the end of the great room you will find the large master bedroom with dual built-in closets, lots of natural light and a large ensuite bathroom complete with a linen closet, step-in shower and large vanity with storage. The kitchen will provide the chef in the family with lots of storage counter space and a great eat-in nook with lots of natural light. Off the kitchen you will step into the mud room that offers a spacious entry from the driveway and provides a laundry closet and small coat closet. From the mud room you will step into the 2 car garage complete with built-in and access to the side yard. With such a versatile floor plan it will work for those just starting out, the growing family and with a little creativity you can even turn the garage/mudroom area into a place for the in-laws. The open yard can be turned into an outdoor oasis. All this house needs is you to make it a home. Freshly painted inside and out (2025). Updated AC (2022), Water Heater (2017) and Roof(2024). All this plus your walking distance to the library and all the shops and dining in Downtown St Cloud, plus a quick bike ride to the lake, easy access to area schools, doctors, banking, grocery stores and area restaurants.  No sight unseen offers or lowball offers. Equal Housing Opportunity.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 51 x 150
  • Laundry: Inside
  • Year Built: 1990
  • Garage: 2-car Driveway, Garage Door Opener, Garage Faces Side
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,577
  • Acreage: 0.17
  • Lot Size: 51 x 150
  • Est. Taxes: $4,285
  • Lot Desc: Corner Lot
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer
  • MLS#: S5130025
  • Days on Market: 143 days
  • Website: https://www.raveis.com
    /prop/S5130025/81210thstreet_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/7/2026 5:17:09 PM)
Listing courtesy of CLEAR POINT REALTY LLC   Phone: 407-928-2140

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
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812 10TH STREET, St. Cloud, FL, 34769

$318,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $254,400 $254,400 $254,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.280% 5.541%
Monthly Tax Payment $357 $357 $357
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,444 $1,546 $2,045
Total Monthly Payment $1,876 $1,978 $2,477

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.