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Presented by
Kevin Sexton |
431 MICHIGAN AVENUE, St. Cloud, FL, 34769 | $379,900
Welcome to 431 Michigan Ave in Saint Cloud, a home that perfectly blends comfort, functionality, and outdoor space, all in a prime location just a few blocks from the beautiful Lake Tohopekaliga.
Situated on a desirable corner lot, this property offers added privacy and room to spread out, featuring a garden area perfect for relaxing or cultivating your own outdoor retreat. In addition to the main home, you’ll find a detached garage/workshop, ideal for hobbies, storage, or projects.
Need space for your toys? This home delivers with an extra concrete pad, perfect for parking an RV, boat, or multiple vehicles—something that’s hard to find and highly sought after.
Inside, the home offers a flexible layout, including a permitted garage conversion that adds valuable living space, perfect for a home office, guest area, or in-law suite setup (no kitchen).
Enjoy peace of mind with major recent updates, including attic insulation (2026) a new water heater (2025), AC system (2023), and updated kitchen appliances (2022) featuring a dishwasher, refrigerator, and cooktop, making this home truly move-in ready.
With its combination of modern updates, versatile living space, ample parking, and a prime corner lot location near Lake Tohopekaliga, this home offers both lifestyle and long-term value.
Don’t miss your opportunity to own a property that checks all the boxes—schedule your showing today.
Features
- Rooms: 6
- Bedrooms: 3
- Baths: 2 full
- Lot Size: 100 x 150
- Laundry: Laundry Room
- Style: Florida
- Year Built: 1979
- Garage: 2-car
- Heating: Central, Electric
- Cooling: Central Air
- Approx Sq. Feet: 1,652
- Acreage: 0.34
- Lot Size: 100 x 150
- Est. Taxes: $2,124
- Appliances: Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
- MLS#: S5147563
- Days on Market: 28 days
- Website: https://www.raveis.com
/prop/S5147563/431michiganavenue_stcloud_fl?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Kevin SextonREALTOR
781.640.1484
Kevin.Sexton@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Joanne O'KeefeVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 38342
978.314.1072
Joanne.OKeefe@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Paul BerriosRegional SVP, Insurance Sales Producer, William Raveis Insurance
978-337-3053
Paul.Berrios@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
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
431 MICHIGAN AVENUE, St. Cloud, FL, 34769
$379,900
Kevin Sexton
REALTOR
William Raveis Real Estate
Phone: 781.640.1484
Kevin.Sexton@raveis.com
Joanne O'Keefe
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 978.314.1072
Joanne.OKeefe@raveis.com
NMLS Mortgage Loan Originator ID 38342
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $303,920 | $303,920 | $303,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.887% | 6.078% |
| Monthly Tax Payment | $177 | $177 | $177 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,871 | $1,946 | $2,544 |
| Total Monthly Payment | $2,123 | $2,198 | $2,796 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388