4245 HENRY J AVENUE, ST CLOUD, FL, 34772
Active101 days on marketListed Apr 22, 2026MLS #S5148147
About this home
4245 HENRY J AVENUE
Spacious 4-bedroom, 3.5-bath home on 2.39 acres in St. Cloud with no HOA. The flexible layout includes a primary suite on the first floor and a second primary suite upstairs. A heated and air-conditioned bonus room—currently used as a gym—may also serve as a home office, studio, or additional flex space. The kitchen features shaker cabinets and stainless steel appliances. Enjoy a large screened-in patio and a paver fire pit well-suited for relaxing or entertaining in a peaceful country setting. The property offers versatility and may have potential for a lot split (buyer to verify with local zoning and authorities), which could allow for a family compound, investment opportunity, or future expansion. Existing improvements include a 25’ x 65’ greenhouse, detached 2-car garage/workshop, tool shed, garden shed, and a well-maintained chicken coop. Conveniently located with access to East Lake Tohopekaliga, the Florida Turnpike, Orlando International Airport, and Lake Nona Medical City, as well as regional attractions such as Walt Disney World and Universal Studios Florida. Shopping and dining options are located nearby. A rare opportunity to own a private Central Florida acreage property offering space, flexibility, and a variety of potential uses. Buyers are encouraged to verify all measurements, zoning, and intended use. Some images have been digitally optimized.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,181
Sqft
2.39 ac
Lot size
2
Garage
2007
Year built
Two
Levels
$321
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 — not generic estimates.
$4,523 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,523/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs S L & I C
$321 vs $322
Days on market
101 vs 33 typical
Where $321/sqft sits among the 41 homes for sale in S L & I C
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 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
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)
21 of 41
S L & I C have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 89% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4245 HENRY J AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$590,000
4361 ALBRITTON ROAD · same community
5 bd · 3 ba · 2,280 sqft · $259/sqft · 21 DOM
Sold · Feb ’26$385,000
3935 RAMBLER AVENUE · same community
5 bd · 3 ba · 2,280 sqft · $169/sqft · 40 DOM
Sold · Mar ’26$650,000
3970 KISSIMMEE PARK ROAD · same community
3 bd · 2.5 ba · 2,047 sqft · $318/sqft · 248 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4245 HENRY J AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4245 HENRY J AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4245 HENRY J AVENUE FAQs
What would the monthly payment be for 4245 HENRY J AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,523/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4245 HENRY J AVENUE?+
The most recent tax bill on record (2025) was $3,883. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in St Cloud?+
At $699,900, this home is listed about 65% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4245 HENRY J AVENUE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$699,900 runs 89% above the ST CLOUD 34772 median.
02Time on market is leverage
101 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $729,900, now $699,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC. MLS #S5148147.
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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