Front Exterior - 2234 W MAPLE TER, ST CLOUD
Kitchen - 2234 W MAPLE TER, ST CLOUD
Dining Room (1) - 2234 W MAPLE TER, ST CLOUD
Dining Room (2) - 2234 W MAPLE TER, ST CLOUD
Living Room (1) - 2234 W MAPLE TER, ST CLOUD
Living Room (2) - 2234 W MAPLE TER, ST CLOUD
Primary Bathroom (1) - 2234 W MAPLE TER, ST CLOUD
Primary Bathroom (2) - 2234 W MAPLE TER, ST CLOUD
Bathroom Two (1) - 2234 W MAPLE TER, ST CLOUD
Bathroom Two (2) - 2234 W MAPLE TER, ST CLOUD
Pool Area - 2234 W MAPLE TER, ST CLOUD
Boat Dock / Canal Access to Alligator Lake - 2234 W MAPLE TER, ST CLOUD
Canal/Lake Access to Alligator Lake - 2234 W MAPLE TER, ST CLOUD
13 photos

$429,900

2234 W MAPLE TER
ST CLOUD, FL 34771
Listed by Tommy Harris · DALTON WADE INC
Bedrooms
3
Bathrooms
2
Living area
1,504 sqft
Year built
1979

About this home

MOVE-IN READY! UNIQUE LAKE-ACCESS OPPORTUNITY! Welcome to 2234 Maple Ter, a charming 3-bedroom, 2-bath single-family home in the Maple Terrace area of St. Cloud. Built in 1979 and offering approximately 1,504 heated square feet, this one-story home sits on a spacious 0.40-acre lot in a quiet established neighborhood near Alligator Lake. The property features a private screened pool, in-ground spa, covered carport, mature landscaping, and a peaceful outdoor setting with nearby canal and lake views. The owner has directly stated that the home offers front-door access to Alligator Lake and the connected Chain of Lakes, plus shared ownership interest in a private canal with private boat dock and direct lake access. Inside, the home offers a functional layout with separate living and dining areas, solid-surface kitchen counters, ceiling fans, window treatments, and accessibility-friendly bathroom features including a walk-in tub and shower grab bars. Recent owner-reported updates include a new roof in 2023, new pool screen in 2022, new pool pump in 2025, pool tile and resurfacing in 2026, A/C system serviced in 2025, well pump serviced in 2026, whole-home generator with 100-gallon rented propane tank, and transferable Massey termite bond. Carpet has been removed and not replaced, and seller is offering up to $20,000 in buyer concessions, which may be used toward flooring, repairs, closing costs, prepaid items, or other allowable costs. Conveniently located near US-192, Lake Nona area access, shopping, dining, schools, and major Central Florida roadways. IMPORTANT NOTE TO BUYER AGENT: Limited-service listing. Please see Realtor Only Remarks or Showingtime Instructions on StellarMLS for showing and offer instructions.

Highlights

WaterfrontPrivate pool

Property details

MLS #
MFRS5149826
Property type
Single Family Residence
Subdivision
MAPLE TERRACE
Status
Active
Days on market
29
On market date
May 13, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.4 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

ElementaryCharter
MATER ACADEMY AT ST CLOUD
2.15 mi away · Grades 0-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
381
Student:teacher ratio
18.1:1
District
OSCEOLA
Middle
HARMONY MIDDLE SCHOOL
4.67 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
944
Student:teacher ratio
19.7:1
District
OSCEOLA
High
HARMONY HIGH SCHOOL
4.42 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
2,594
Student:teacher ratio
24.2:1
District
OSCEOLA

Walkability

Blended score for ST CLOUD's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

18
Very car-dependent
out of 100
EPA National Walkability Index
6.0 / 20 -- Below average walkable
Google Places amenity density
0 / 100
Restaurants & cafes0
Grocery stores0
Parks0
Schools0
Transit stops0
Pharmacies0

Market position

How this listing compares to current activity in ST CLOUD, from live MLS data.

On the market 29 days -- 84 fewer days than ST CLOUD's current average of 113 days.
For reference, the median list price across 1,870 active listings in ST CLOUD right now is $375,000.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,739/mo
$85,980 down
$343,920 loan
Principal & interest$2,231
Property tax (est.)$358
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated June 11, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.