tomo logo

$419,000

Beds
4
Baths
2.0
sq ft
1,869

445 Virginia Ave, Saint Cloud, FL 34769

445 Virginia Ave

ST CLOUD, FL 34769

  • 2 days on market
If you’re looking for a move-in-ready home with character, this St. Cloud gem is a rare find. Just five blocks from East Lake Toho, this corner-lot pool home offers a peaceful retreat in a quiet neighborhood. The open-concept kitchen, dining, and great room create a seamless space for gathering with unique touches like a locally sourced cypress wood accent wall and a handcrafted barn door. The kitchen boasts modern white cabinetry and a stunning quartz peninsula with seating for six, while the screened porch overlooks a sparkling pool, fenced backyard with French drainage system, and large shed with overhead storage. Upgrades include a newer roof & owned solar panels (2019), windows & doors (2017), and A/C & water heater (2016). Smart home features like keyless entry, voice-activated lights, a smart thermostat, and an NVR surveillance system add convenience. A non-conforming fourth bedroom inside the garage with heat & A/C offers endless possibilities. The garage has potential for a primary suite with pool access or an ADU, as the property is zoned for accessory dwellings.

Details

Property type

Single Family Residence

Est. home value

$410,890

Lot size

0.26 acres

Price per sq ft

$225

Year built

1981

Annual property taxes

$5,143.66

HOA

No

Price History

02/20/2025
StellarMLS

StellarMLS #V4941072

Listed
$419,000
+28.13%
08/30/2021
StellarMLS

StellarMLS #S5053436

Sold
$327,000
+131.91%
02/22/2013
StellarMLS

StellarMLS #S4707291

Sold
$141,000

Schools & Community

Elementary school: 

Michigan Avenue Elem (K 5)

Middle school: 

St. Cloud Middle (6-8)

High school: 

St. Cloud High School

Community features: 

Park, Playground, Sidewalks

Negotiation Insights

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Seller could get up to

$90,142
Asking price
$419,000
Closing costs (~8% of asking)
-$33,520
Est. remaining loan balance
-$295,338
Cash to seller
$90,142

This is an estimate of how much the seller could receive at closing after paying off the outstanding mortgage.

Seller’s Loan History

Lender

Equity Prime Mortgage Llc

Loan start date

August 2021

Original loan amount

$319,413

Est. remaining balance

$295,338

Interest rate

2.88%

Loan type

FHA, 30 year

Seller

Christine Mortimer and Adam R Mortimer

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 02/22/2025 at 12:50 PM

Listing updated: 02/21/2025 at 6:51 AM

Listed by: Ashley Moss, KELLER WILLIAMS RLTY FL. PARTN Phone #: (386) 944-2800

MLS: StellarMLS #V4941072

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