1017 MONROE AVENUE, ST CLOUD, FL, 34769
Active93 days on marketListed Apr 21, 2026MLS #S5148340
About this home
1017 MONROE AVENUE
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.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
958
Sqft
0.07 ac
Lot size
1
Garage
1986
Year built
Two
Levels
$219
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,924 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,924/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+6.4%
Days on market
93 vs 33 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34769 — neighborhood snapshot
Population
29,247
Median age
36
Median income
$58,764
Median home value
$271,800
Avg household
2.93
Households w/ children
3,039
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1017 MONROE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1017 MONROE AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
1017 MONROE AVENUE FAQs
What would the monthly payment be for 1017 MONROE AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,924/mo — principal and interest, the actual property-tax bill, the $197/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1017 MONROE AVENUE?+
The association fee works out to $197 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1017 MONROE AVENUE?+
The most recent tax bill on record (2025) was $2,860. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1017 MONROE AVENUE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $210,000, this home is listed about 51% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1017 MONROE AVENUE?+
Lakeview Elementary School (elementary), St. Cloud High School (high), St. Cloud Middle School (middle) — Osceola County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of LA ROSA REALTY LLC · Irena Aistrop. MLS #S5148340.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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