Under contract-accepting backup offers. HUGE PRICE IMPROVEMENT! PRICED TO SELL. NO HOA with large lot, storage building and extra storage room in house NOT included in the heated sq ft on tax records. **CITY OF ST CLOUD Community Development office has confirmed a detached garage / building up to 700 sq ft or a separate apartment up to 550 sq ft can be built on the property with right of way access from the alley behind the existing home. This REMODELED gem nestled on almost ¼ acre in St. Cloud is a rare find. This home has been completely remodeled and offers modern comforts blended with the charm and style of the original build. Enter to find an open concept living room, kitchen and dining area with plenty of windows and natural light. The fully UPDATED KITCHEN has a 6 ft center island, soft close cabinets, granite countertop and stainless steel appliances. Recent updates (2024) include new LVP flooring throughout, new interior paint, removed popcorn ceilings and added knockdown ceilings throughout, completely remodeled bathrooms including turning the ensuite ½ bathroom in the primary bedroom into a FULL SECOND bathroom, NEW WATER HEATER 2024, ALL new light fixtures, fans, faucets and NEW PLUMBING (complete re-pipe 2024). The charming facade with a covered front porch, new landscaping, trim paint and porch posts creates a warm welcome. NEW ROOF IN 2022. AC- 2015 and electrical panel upgrade in 2013. The primary bedroom has the original closet as well as a second, newly added walk-in closet and a full ensuite bathroom. Two additional bedrooms are amply sized, and a second full bathroom has been fully remodeled. The 8 x 8 laundry room and enclosed back porch (12 x 15) are not included in the heated sq ft in public records. The additional space on the back porch with a separate entrance and walkway is ideal for an office, game room or second living room. A small shed on the property provides space for lawn equipment and added storage. The large backyard has plenty of space for a pool, vegetable garden boxes, seating area with a firepit and so much more! St. Cloud Lakefront Park is a mile away as is the delightful historic downtown area with brick paved streets, local restaurants and shops. Local residents enjoy almost weekly festivities and events at both Lakefront Park and downtown. The elementary, middle and high school are all located within a mile radius. Welcome to this MOVE IN READY AND FULLY UPDATED HOME!
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William Raveis Mortgage, LLC
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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 | $271,200 | $271,200 | $271,200 |
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 | $26 | $26 | $26 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,648 | $1,624 | $2,143 |
Total Monthly Payment | $1,749 | $1,725 | $2,244 |
* 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.