Talk about Location! Are you looking for a private oasis in the heart of St. Cloud? You will love this charming two bedroom two bath block home with NO HOA, a screened in pool, greenhouse, SOLAR PANELS, lush landscaping and raised bed garden. This home features a spacious living room and a lovely kitchen complete with stainless steel appliances including a high efficiency dishwasher, breakfast bar and plenty of counter space and cabinets with custom slide outs. Right off the kitchen is an amazing utility/pantry area with custom cabinetry offering tons of space for storage, crafts and more as well as the laundry area. The primary bedroom has its own private bathroom, the cozy guest bedroom features a motion activated light in the spacious closet. The light, bright office/den area offers views of the beautiful pool area and the lush, fenced, backyard. The pool patio is the perfect place to relax or entertain and enjoy the view. The pool heater and pump are new in 2020. The gardener in the family will love the greenhouse with water, power, growing lights and a fan as well as the two growing pergolas with raised beds. There is a shallow well and sprinkler system to keep everything green and growing and a shed with electric for extra storage outside. You will love the many energy saving features in this home: 36 solar panels installed in 2019, which will be paid in full at closing, new hurricane rated windows in 2019, new 18 seer HVAC and duct work in 2019 and a heat pump water heater in 2021. Seller says the average electric bill is $100 or less! With its great proximity to the Lakefront, downtown shopping and restaurants as well as great schools, attractions and beaches, don't miss your chance to see this gem before it is gone!
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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 | $288,000 | $288,000 | $288,000 |
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 | $219 | $219 | $219 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,916 | $1,914 | $2,469 |
Total Monthly Payment | $2,210 | $2,208 | $2,763 |
* 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.