Single Family Residence at 2234 JAMES DR, ST CLOUD
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24 photos

$389,000

2234 JAMES DR
ST CLOUD, FL 34771
Bedrooms
3
Bathrooms
3
Living area
1,798 sqft
Year built
1959

About this home

Seller is offering up to $10,000 toward buyer’s closing costs, GREAT OPPORTUNITY to reduce your out of pocket expenses! LAKE VIEW • HUGE LOT • NO HOA! Welcome to this beautifully updated 3-bedroom, 3-bathroom St. Cloud home with 1,798 sq. ft. of living space with views of Alligator Lake. This home is fully move-in ready with brand-new luxury vinyl flooring, brand new ac, 3 renovated bathrooms, kitchen with new cabinets, marble backsplash, quartz countertops, stainless steel appliances and fresh interior and exterior paint. Sit on your porch swing and enjoy the calming lake breeze, bring your boats, rvs, work vehicles, the oversized lot is perfect for whatever your imagination brings, NO HOA! Spacious living areas, large rooms, beautiful lake views, and plenty of outdoor space make this property a rare find. Whether you’re looking for a primary residence, a place to entertain, or room to enjoy the Florida lifestyle, this home checks all the boxes. Updated, spacious, lake-view living with no HOA—don’t miss it!

Property details

MLS #
MFRS5157866
Property type
Single Family Residence
Subdivision
EL RANCHO PARK ADD BLK B
Status
Active
Days on market
14
On market date
September 17, 2026
Stories
N/A
Total bathrooms
3
Garage spaces
1
Parking spaces
N/A
Lot size
0.42 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
1.66 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
ST. CLOUD MIDDLE SCHOOL
4.19 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
1,188
Student:teacher ratio
16.1:1
District
OSCEOLA
High
ST. CLOUD HIGH SCHOOL
4.45 mi away · Grades 9-12
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
2,069
Student:teacher ratio
20.7:1
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 14 days -- 96 fewer days than ST CLOUD's current average of 110 days.
For reference, the median list price across 1,878 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
$2,493/mo
$77,800 down
$311,200 loan
Principal & interest$2,018
Property tax (est.)$324
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated 3 days ago.

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.