$499,000
126 S SAINT CLOUD AVENUE, VALRICO, FL 33594
Beds
3
Baths
2
Sq Ft
1,515 sq ft
Year Built
1996
Lot Size
1.16 acres
Garage
2
About This Property
LIVE, WORK, PLAY! *Acreage: 1.16 acres *Layout: 3 bedrooms, 2 bathrooms. *Condition: Move-in ready with a newer roof (installed 2020) and new kitchen appliances. *Outdoor Space: Includes an all-season lanai. *Flood Zone: Located entirely in an "X flood zone," meaning no flood insurance is required. *THE WORKSHOP: *Size: Massive, freestanding 30x30 workshop. *Access: Two 10-foot rolling bay doors (fits lifted trucks, boats, or trailers). *Utilities: Dedicated electric and water lines. *Features: Heavy-duty built-in hoist and wired with a 220V plug for arc welding. *ZONING AND FREEDOM (ASC-1 Zoning) *Vehicle Storage: No HOA restriction—allows parking for commercial vehicles, RVs, or boats. Animals: Allows for a hobby farm, horses, or chickens. *Utility Bills: No water or sewer bills (property uses private well and septic systems). *FUTURE POTENTIAL LAND USE *Features a RES-4 (Residential-4) Future Land Use designation. *Investment Options: Potential for future subdivision (up to 4 units per gross acre) or creating a multi-generational private compound.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Hwy 60 east to St Cloud South to home on Right.
Location
126 S SAINT CLOUD AVENUE, VALRICO, FL 33594
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$499,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $499,000 home in VALRICO.
🏛️
FHA Loan
$17,465 Down
Government-backed, low down payment. Credit scores as low as 580.
🎖️
VA Loan
$0 Down
Zero down for eligible veterans, active duty, and military families.
🏦
Conventional
$24,950 Down
Traditional financing. As low as 3-5% down with good credit.
Florida Down Payment Assistance Programs
You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.
Florida Hometown Heroes
Up to $35,000
First-time buyers working in FL
FL Assist
Up to $10,000
FHA, VA, or USDA borrowers
FL HLP Second Mortgage
Up to $10,000
First-time buyers, 0% deferred
Hillsborough County SHIP
Varies
Income-qualifying Hillsborough residents
Can You Afford This Home?
Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.
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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: August 20, 2026.