We invite you to come on in and be the first to see this St. Cloud Gem! This 4/2. 5 house has everything you need to feel right at home. When you enter the home the first thing you will notice are the gorgeous hard wood floors and beautifully laid tiles throughout the formal and informal living and dining. As you walk into the kitchen you will notice the lovely cabinetry and granite countertops. There is a bar area as well as an eat in dinette area and both are open to the family room. If you step outside the back door you will feel relaxed on the back porch that overlooks the beautiful mature landscaping. There is a hallway to the right of the kitchen with a half bath and a large laundry area with a sink. This is where you will find the garage that houses 3 cars and is equipped to charge your Tesla Car.
As you make your way upstairs you will find all 4 bedrooms, and 2 full bathrooms. All rooms have laminate flooring that matches well with the downstairs flooring for a uniform look. Each room has plenty of closet space; but just wait until you see the Primary bedroom!!! This large room has a walk in closet that dreams are made of. The En-suite bathroom has two sinks, a large shower separate from the garden tub where you can soak away the day. This home has a new roof and outside AC Unit that were replaced in 2023. Keyless entry. Security System. Sprinkler System. This home is one you will cherish for years to come. Stop Day Dreaming and make this home your reality!
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Our Executive Mortgage Banker:
Our Insurance Division:
$460,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $368,000 | $368,000 | $368,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.125% | 5.990% | 4.990% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.470% | 6.161% | 5.248% |
Monthly Tax Payment | $576 | $576 | $576 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,236 | $2,204 | $2,908 |
Total Monthly Payment | $2,887 | $2,855 | $3,559 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.