2112 9TH STREET, St. Cloud, FL, 34769 | $314,900

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.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Lot Size: 65 x 100
  • Laundry: Laundry Room
  • Year Built: 1944
  • Garage: 1-car
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,622
  • Acreage: 0.15
  • Lot Size: 65 x 100
  • Est. Taxes: $3,233
  • Appliances: Disposal, Microwave, Range, Refrigerator
  • MLS#: O6399376
  • Days on Market: 26 days
  • Website: https://www.raveis.com
    /prop/O6399376/21129thstreet_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 5/20/2026 6:47:08 PM)
Listing courtesy of THE WILKINS WAY LLC   Phone: 407-874-0230

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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

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2112 9TH STREET, St. Cloud, FL, 34769

$314,900

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 $251,920 $251,920 $251,920
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% 6.776% 6.078%
Monthly Tax Payment $269 $269 $269
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,551 $1,613 $2,109
Total Monthly Payment $1,895 $1,957 $2,453

* 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.