NOT LISTED FOR SALE

124 Montana Ave Saint Cloud, FL 34769

Downtown Saint Cloud Neighborhood

Estimated Value: $312,208 - $318,000

3 Beds
2 Baths
1,140 Sq Ft
$276/Sq Ft Est. Value

Last Sold August 22, 2025

Last sale price $312,000 $274 Per Sq Ft

Current estimated payment $2,043/month

Highlights

  • Open Floorplan
  • Family Room Off Kitchen
  • Tile Flooring
  • No HOA
  • Living Room
  • Central Heating and Cooling System

About This Home

As of August 2025

Welcome to 124 Montana Ave, a beautifully maintained 3-bedroom, 2-bath home in the heart of St. Cloud. This inviting property features an open floor plan filled with natural light, a modern kitchen with stainless steel appliances, and spacious bedrooms, including a private primary suite. Enjoy a large fenced backyard, perfect for relaxing or entertaining, plus a charming front porch for morning coffee. Located on a quiet street with NO HOA, just minutes from Lakefront Park, downtown St. Cloud, schools, and shops — offering both comfort and convenience. Don’t miss out on this move-in ready gem!

Last Agent to Sell the Property

Tai Graves

ORANGE SLICE PROPERTIES License #3499175 Listed on: 07/17/2025

Last Buyer's Agent

Tai Graves

ORANGE SLICE PROPERTIES License #3499175 Listed on: 07/17/2025

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $5,164

Year Built

  • Built in 1984

Lot Details

  • 6,839 Sq Ft Lot
  • East Facing Home
  • Property is zoned SR2

Home Design

  • Slab Foundation
  • Shingle Roof
  • Concrete Siding
  • Stucco

Interior Spaces

  • 1,140 Sq Ft Home
  • Open Floorplan
  • Ceiling Fan
  • Family Room Off Kitchen
  • Living Room
  • Dining Room
  • Utility Room

Kitchen

  • Built-In Oven
  • Microwave
  • Dishwasher

Flooring

  • Carpet
  • Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 2 Full Bathrooms

Laundry

  • Dryer
  • Washer

Schools

  • Lakeview Elementary School
  • St. Cloud Middle School
  • St. Cloud High School

Additional Features

  • Rain Gutters
  • Central Heating and Cooling System

Community Details

  • No Home Owners Association
  • St Cloud 2Nd Town Of Subdivision

Listing and Financial Details

Home Details

Home Type

Single Family

Est. Annual Taxes

$5,164

Year Built

Built in 1984

Lot Details

6,839 Sq Ft Lot

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Concrete, Stucco
  • Fireplace: No
  • Living Area: 1140
  • Lot Size Acres: 0.16
  • New Construction: No
  • Year Built: 1984
  • Building Area Total: 1140
  • Lot Size Sq Ft: 6839
  • Status: Sold
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 105.91
  • Escrow City: Maitland
  • Escrow State: FL
  • Escrow Street Name: N Maitland Ave Ste. 290
  • Minimum Lease: 8-12 Months
  • RATIO Current Price By Calculate: 273.68
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_DockYN: 0
  • Tax Year: 2024
  • Special Features: None

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Tile
  • Full Bathrooms: 2
  • Interior Amenities: Ceiling Fans(s), Kitchen/Family Room Combo, Open Floorplan
  • Appliances Included: Built-In Oven, Dishwasher, Dryer, Microwave, Refrigerator, Washer
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: One
  • Living Area Meters: 105.91

Exterior Features

  • Direction Faces: East
  • Exterior Features: Rain Gutters, Sidewalk
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: No
  • Road Surface Type: Paved
  • Water View YN: 0
  • Waterfront Feet Total: 0
  • Flood Zone Panel: 12097C0095G

Garage/Parking

  • Carport Y N: No
  • Garage Yn: No

Utilities

  • Utilities: Public
  • Cooling: Central Air
  • Heating: Central
  • Laundry Features: Other
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Association 2 YN: 0

Fee Information

  • Total Annual Fees: 0.00
  • Total Monthly Fees: 0.00

Schools

  • Elementary School: Lakeview Elem (K 5)
  • High School: St. Cloud High School
  • Middle Or Junior School: St. Cloud Middle (6-8)

Lot Info

  • Zoning: SR2
  • Parcel Number: 01-26-30-0001-0451-0035
  • Additional Parcels: No
  • Flood Zone Code: AE

Rental Info

  • Lease Restrictions YN: 0

Tax Info

  • Tax Annual Amount: 5164
  • Tax Block: 451
  • Tax Book Number: B-61
  • Tax Lot: 3

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 17, 2025
Closed on
Aug 15, 2025
Sold by
Reyes Emily
Bought by
Reyes Wilton Brandon
Seller's Agent
Tai Graves
ORANGE SLICE PROPERTIES
Buyer's Agent
Tai Graves
ORANGE SLICE PROPERTIES
List Price
$312,000
Sold Price
$312,000
Views
7
Current Estimated Value
$313,267

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$1,267
Avg. Annual Appreciation
1.37%
Original Mortgage
$312,000
Outstanding Balance
$311,550
Interest Rate
4%
Mortgage Type
VA
Estimated Equity
$2,752

Purchase Details

Listed on
Apr 1, 2022
Closed on
May 20, 2022
Sold by
Darlene Lopez Ivy and Darlene Roger
Bought by
Reyes Emily
Seller's Agent
Steven Pugh
EXP REALTY LLC
Buyer's Agent
Jessica Garces-Romo
AMERITEAM REALTY INC
List Price
$310,000
Sold Price
$310,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
0.20%
Original Mortgage
$279,000
Interest Rate
5.25%
Mortgage Type
New Conventional

Purchase Details

Closed on
Jun 24, 2016
Sold by
Hutton Pamela E
Bought by
Lopez Roger and Lopez Ivy Darlene

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$135,000
Interest Rate
3.64%
Mortgage Type
New Conventional

Purchase Details

Listed on
May 1, 2013
Closed on
Nov 11, 2013
Sold by
Fannie Mae
Bought by
Hutton Pamela E
Seller's Agent
Lisa Davis
DAVIS REAL ESTATE GROUP
Buyer's Agent
Amanda Davis-Hollingsed
DAVIS REAL ESTATE GROUP
List Price
$74,900
Sold Price
$61,425
Premium/Discount to List
-$13,475
-17.99%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
14.17%

Purchase Details

Closed on
Apr 25, 2013
Sold by
Religioso Annaliza
Bought by
Federal National Mortgage Association

Purchase Details

Closed on
Aug 17, 2007
Sold by
Swensson Christopher K
Bought by
Swensson Christopher K and Religioso Anna Liza

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$171,000
Interest Rate
6.41%
Mortgage Type
Stand Alone Refi Refinance Of Original Loan

Purchase Details

Closed on
Aug 31, 2000
Sold by
Garcia William and Garcia Mildred
Bought by
Swensson Christopher K

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$74,861
Interest Rate
8.11%
Mortgage Type
FHA

Purchase Details

Closed on
Aug 29, 1997
Sold by
Reich Paul S and Reich Victoria L
Bought by
Garcia William

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$62,883
Interest Rate
7.43%
Mortgage Type
FHA
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area

Source: Public Records

Purchase History

Date Buyer Sale Price Title Company
Reyes Wilton Brandon $312,000 Southern Capital Title Agency
Reyes Emily $310,000 Core Title Services
Lopez Roger $150,000 Equitable Title Of West Orla
Hutton Pamela E $61,425 Bay National Title Company
Federal National Mortgage Association -- None Available
Swensson Christopher K -- Lawyers Title Insurance Corp
Swensson Christopher K $74,900 --
Garcia William $63,000 --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Reyes Wilton Brandon $312,000
Previous Owner Reyes Emily $279,000
Previous Owner Lopez Roger $135,000
Previous Owner Swensson Christopher K $171,000
Previous Owner Swensson Christopher K $74,861
Previous Owner Garcia William $62,883
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
08/22/2025 08/22/25 Sold $312,000 0.0% $274 / Sq Ft
07/17/2025 07/17/25 Pending -- -- --
07/17/2025 07/17/25 For Sale $312,000 +0.6% $274 / Sq Ft
05/20/2022 05/20/22 Sold $310,000 0.0% $272 / Sq Ft View Prior Sale
04/27/2022 04/27/22 For Sale $310,000 0.0% $272 / Sq Ft
04/25/2022 04/25/22 Pending -- -- --
04/11/2022 04/11/22 Pending -- -- --
04/01/2022 04/01/22 For Sale $310,000 +404.7% $272 / Sq Ft
05/26/2015 05/26/15 Off Market $61,425 -- --
11/19/2013 11/19/13 Pending -- -- --
11/15/2013 11/15/13 Sold $61,425 -12.1% $69 / Sq Ft View Prior Sale
08/20/2013 08/20/13 Price Changed $69,900 -6.7% $79 / Sq Ft
07/15/2013 07/15/13 For Sale $74,900 0.0% $84 / Sq Ft
07/12/2013 07/12/13 Pending -- -- --
06/26/2013 06/26/13 For Sale $74,900 0.0% $84 / Sq Ft
06/24/2013 06/24/13 Pending -- -- --
06/06/2013 06/06/13 For Sale $74,900 0.0% $84 / Sq Ft
05/30/2013 05/30/13 Pending -- -- --
05/10/2013 05/10/13 For Sale $74,900 0.0% $84 / Sq Ft
05/09/2013 05/09/13 Pending -- -- --
05/01/2013 05/01/13 For Sale $74,900 -- $84 / Sq Ft
Source: Stellar MLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $5,164 $296,400 $46,800 $249,600
2024 $4,721 $291,500 $46,800 $244,700
2023 $4,721 $261,900 $34,000 $227,900
2022 $1,613 $143,712 $0 $0
2021 $1,584 $139,527 $0 $0
2020 $1,564 $137,601 $0 $0
2019 $1,532 $134,508 $0 $0
2018 $1,505 $132,000 $0 $0
2017 $2,404 $123,900 $19,600 $104,300
2016 $1,753 $112,900 $17,000 $95,900
2015 $1,422 $73,400 $17,000 $56,400
2014 $1,225 $60,900 $12,500 $48,400
Source: Public Records

Agents Affiliated with this Home

  • T

    Seller's Agent in 2025

    Tai Graves

    ORANGE SLICE PROPERTIES

    (407) 614-8336

    1 in this area

    12 Total Sales

    Tai Graves
    Section Image
  • Steven Pugh

    Seller's Agent in 2022

    Steven Pugh

    EXP REALTY LLC

    (407) 873-0057

    39 in this area

    251 Total Sales

    Steven Pugh
    Section Image
  • Jessica Garces-Romo

    Buyer's Agent in 2022

    Jessica Garces-Romo

    AMERITEAM REALTY INC

    (973) 413-0640

    1 in this area

    5 Total Sales

    Jessica Garces-Romo
    Section Image
  • Lisa Davis

    Seller's Agent in 2013

    Lisa Davis

    DAVIS REAL ESTATE GROUP

    (407) 933-7200

    5 in this area

    41 Total Sales

    Lisa Davis
    Section Image

  • A

    Seller Co-Listing Agent in 2013

    Amanda Davis-Hollingsed

    DAVIS REAL ESTATE GROUP

    (407) 933-7200

    8 Total Sales

    Amanda Davis-Hollingsed
    Section Image
See All Agents

Map

Source: Stellar MLS

MLS Number: O6328232

Stellar MLS

APN: 01-26-30-0001-0451-0035

Florida Osceola County Saint Cloud 34769 Downtown Saint Cloud

124 Montana Ave, Saint Cloud, FL

Not Listed for Sale

Detached

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Stellar MLS Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website. IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.
Based on information submitted to the MLS GRID

Listing Information presented by local MLS brokerage: Ten-X - (888)-952-6393

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