Welcome home!!! This 3 bedroom 1 bath home is just charming! This well maintained bungalow style home is located just a block away from historic Downtown Saint Cloud. Own a piece of this area's history, this home was originally built for a former Saint Cloud Mayor and his family, and is one of the few homes constructed of concrete block in that era. With it's high ceilings, tall baseboards and inside laundry room, this home still holds many features of it's time including crystal door knobs, wood floors, and built-ins, and has many important updates including the newer windows, electrical and roof in 2016/2017, re-plumbing in 2022 and a new HVAC system installed in 2019. Open living space and spacious bedrooms make this home a comfortable retreat. Whether you're relaxing on the covered front porch watching the sunrise, or you're by the cozy fireplace with a glass of wine, or out in the yard roasting marsh mellows by the glow of the firepit, this property is living at it's finest. The roomy kitchen with wood cabinets has a lot of natural light and a door that leads out to the covered back porch, perfect for enjoying evening sunsets. From the porch you can proceed down the stairs to a large open patio, the firepit and the grilling area. Make this property your home, and you'll have front-row seats for the Christmas parade and you'll be near the St. Cloud Lakefront and Marina. Enjoy your morning walks along side the Beautiful Lake, or grab a bite at Crabby Bills. This neighborhood is perfect for dog walks and evening strolls. Schedule your private viewing today!!
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$315,000
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 | $252,000 | $252,000 | $252,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.815% | 7.159% | 6.538% |
Monthly Tax Payment | $274 | $274 | $274 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,677 | $1,675 | $2,161 |
Total Monthly Payment | $2,026 | $2,024 | $2,510 |
* 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.