1017 MONROE AVENUE, St. Cloud, FL, 34769 | $210,000

A fantastic opportunity for a first-time buyer or savvy investor, this beautifully maintained 2-bedroom, 1. 5-bathroom two-story townhome delivers comfort, functionality, and exceptional value in a convenient St. Cloud location. Step inside to find ceramic tile flooring throughout the main living areas and bathrooms, creating a clean, low-maintenance space. The layout flows effortlessly from the spacious living room into the dining area, perfect for everyday living. The charming galley-style kitchen features a closet pantry and provides an efficient workspace with everything within easy reach. Upstairs, both bedrooms are thoughtfully positioned for privacy and feature carpet in great condition, adding warmth and comfort. A versatile loft space provides the perfect spot for a cozy sitting area, reading nook, or small home office—ideal for today’s flexible lifestyles. A convenient guest half-bath is located on the first floor, while the full bathroom upstairs serves both bedrooms. Additional functionality includes laundry facilities located in the one-car garage, delivering both storage and practicality. One of the standout features of this home is the charming screened-in porch—a cozy retreat overlooking a peaceful hedgeline. Just beyond the hedgeline, you’ll find the community clubhouse and pool, making it incredibly easy to enjoy these amenities while still maintaining a sense of privacy. Location is key, and this property delivers. Situated just minutes from the shopping and dining along US-192, you’ll have easy access to everyday conveniences. The Florida Turnpike is approximately a 15-minute drive, making commuting simple, while Orlando International Airport is about 25 minutes away. World-famous attractions including Walt Disney World Resort are roughly 30–35 minutes from your doorstep, offering incredible accessibility for both personal enjoyment and rental appeal. Major updates provide peace of mind for years to come, including a brand-new roof (2025), water heater (2024), new exterior garage door (2025), and both interior and exterior AC units replaced in 2022. Whether you're looking for a comfortable place to call home or a smart addition to your investment portfolio, this townhome offers a wonderful blend of value, updates, and everyday convenience.

Features

  • Amenities: Clubhouse, Pool
  • Rooms: 6
  • Bedrooms: 2
  • Baths: 1 full / 1 half
  • Laundry: In Garage
  • Year Built: 1986
  • Garage: 1-car Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 958
  • Acreage: 0.07
  • Est. Taxes: $2,860
  • HOA Fee: $197 Monthly
  • Elem. School: Neptune Elementary
  • Middle School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Pet Policy: Yes
  • Appliances: Dishwasher, Electric Water Heater, Microwave, Range, Refrigerator
  • MLS#: S5148340
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/S5148340/1017monroeavenue_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 10:47:07 AM)
Listing courtesy of LA ROSA REALTY LLC   Phone: 321-939-3748

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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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1017 MONROE AVENUE, St. Cloud, FL, 34769

$210,000

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 $168,000 $168,000 $168,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.634% 6.890% 6.078%
Monthly Tax Payment $238 $238 $238
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,034 $1,090 $1,406
Total Monthly Payment $1,347 $1,403 $1,719

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.