319 MINNESOTA AVENUE, St. Cloud, FL, 34769 | $355,000

Charming and move-in ready, this beautifully updated home offers an open-concept layout with abundant natural light and thoughtful upgrades throughout. The renovated kitchen features granite countertops, stainless steel appliances, a convection oven, upgraded soft-close cabinetry, and seamless flow into the main living areas—perfect for everyday living and entertaining. Stylish Allure Ultra vinyl plank flooring runs throughout the home, complementing the bright and modern interior. Skylights in the Great Room and hall bath create a light-filled atmosphere, while the owner’s suite includes a walk-in closet for added convenience. An additional linen closet located in the hallway near the hall bathroom provides extra storage and functionality.

Additional improvements include a newly installed step-in shower wall in the Owner's en-suite bathroom (no tub), fresh interior touch-up and exterior paint, and a roof replacement completed in October 2025. The deep 2-car garage is bright and functional, featuring a window for natural light, washer and dryer, mounted tool panel with ample space for storage and projects, and attic storage space with pull-down aluminum stairs for easy access. Enjoy Florida living outdoors with a large shaded backyard highlighted by two mature camphor trees and an open patio perfect for relaxing or entertaining. NO HOA!

Ideally located just a short walk from the serene St. Cloud Lakefront and only minutes from the Turnpike, Lake Nona, St. Cloud grocery stores, restaurants, schools, shopping, and major conveniences, this home combines comfort, character, and an exceptional location.

Features

  • Rooms: 7
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: In Garage
  • Year Built: 1994
  • Garage: 2-car
  • Heating: Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 1,275
  • Acreage: 0.22
  • Est. Taxes: $1,805
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
  • MLS#: O6407442
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/O6407442/319minnesotaavenue_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 4:17:07 PM)
Listing courtesy of CAPSTRATA PROPERTY MANAGEMENT LLC   Phone: 407-791-3772

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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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319 MINNESOTA AVENUE, St. Cloud, FL, 34769

$355,000

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 $284,000 $284,000 $284,000
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 $150 $150 $150
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,749 $1,818 $2,377
Total Monthly Payment $1,974 $2,043 $2,602

* 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.