Welcome to this stunning 6-bedroom, 4. 5-bathroom home located at the end of a peaceful cul-de-sac in the sought-after Reserve at Pine Tree, St. Cloud. From the moment you arrive, the modern exterior, meticulously designed landscaping, and brick paver driveway leading to a 2-car garage will captivate you. Plus, the community playground is conveniently situated just steps from your front door, perfect for a quick walk. Inside, natural light fills the open spaces, creating an inviting atmosphere throughout. To the left of the entry, a spacious dining room awaits, perfect for entertaining, and conveniently connected to the kitchen. The chef’s kitchen boasts matching stainless steel appliances, bright cabinetry with crown molding, marble countertops, and a large center island offering additional seating for casual meals or social gatherings. The adjacent living room, featuring a stylish blue accent wall, provides the perfect space for relaxing or hosting guests.
Just off the living area is one of the master bedrooms, showcasing abundant natural light, two walk-in closets, and an en suite bath with dual vanities, a large bathtub, and a walk-in shower. Upstairs, a massive loft offers versatility, whether you envision a second living area, home theater, or playroom. The remaining bedrooms are located here, with two featuring private en suite bathrooms and walk-in closets. Outside, enjoy privacy with no rear neighbors from your brick paver patio, ideal for unwinding after a long day. This home’s prime location within a community offering fantastic amenities, close to major roads, entertainment, and dining, makes it the perfect place to call home.
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Our Executive Mortgage Banker:
Our Insurance Division:
$550,000
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 | $440,000 | $440,000 | $440,000 |
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 | 7.477% | 7.159% | 6.498% |
Monthly Tax Payment | $451 | $451 | $451 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $2,927 | $2,924 | $3,773 |
Total Monthly Payment | $3,470 | $3,467 | $4,316 |
* 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.