1315 S SHORE DRIVE, ST CLOUD, FL, 34769
Active0 days on marketListed Aug 12, 2026MLS #S5154234
About this home
1315 S SHORE DRIVE
INVESTMENT OPPORTUNITY – FIX & FLIP WITH EXTRA BUILDABLE PARCELS! LOTS 127-133 Come take a look at this 2-bedroom, 2-full-bath single-family home, conveniently located just minutes from the growing communities of St. Cloud and Harmony. This property is being sold together with an additional parcel, creating an exciting opportunity for investors, builders, or buyers looking to maximize the property's potential. The additional parcel may provide an opportunity to build a future dream home, subject to zoning, permitting, and applicable county requirements. This is an investment project requiring renovation and completion, making it an ideal opportunity for an experienced investor or someone looking for their next fix-and-flip project. Buyers should be prepared to take over the project and complete the remaining work from start to finish. The seller will be leaving valuable renovation materials, including Full kitchen cabinets, Granite kitchen countertop, Tile flooring, Roofing materials and much more. The property also features newly installed commercial-grade windows and a permanent front glass patio enclosure, giving the home a distinctive and updated appearance. Whether you're an experienced investor, contractor, builder, or buyer with a vision, this property offers multiple possibilities and plenty of potential. This is a property you truly need to see in person to appreciate the possibilities! Bring your vision, your contractor, and your investment strategy, and come explore everything this property has to offer. Don't miss this opportunity to create something special in an area surrounded by continued growth!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,208
Sqft
0.39 ac
Lot size
1962
Year built
One
Levels
$248
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.
$17,684 /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
$17,684/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.
$/sqft vs St Cloud actives
$248 vs $218
Days on market
0 vs 46 typical
Where $248/sqft sits among the 400 St Cloud actives
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
$412K → $392K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
230 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the ST CLOUD 34769 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1315 S SHORE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$250,560
1622 DOLPHIN DRIVE
3 bd · 1 ba · 1,200 sqft · $209/sqft · 86 DOM
Sold · Nov ’25$369,990
6495 EVE STREET
3 bd · 2 ba · 1,273 sqft · $291/sqft · 71 DOM
Sold · Aug ’26$445,500
6365 JUDITH COURT
3 bd · 2 ba · 1,322 sqft · $337/sqft · 0 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
Rachel Jean-Baptiste
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1315 S SHORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1315 S SHORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rachel's phone and CRM.
Straight answers
1315 S SHORE DRIVE FAQs
What would the monthly payment be for 1315 S SHORE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $17,684/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 1315 S SHORE DRIVE?+
The most recent tax bill on record (2025) was $187,574. 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 $299,000, this home is listed about 30% below the St Cloud median of $429,900. The market section on this page shows how the area is trending.
Which schools are assigned to 1315 S SHORE DRIVE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Angel Rivera. MLS #S5154234.
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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