3610 Charmed LANE, St. Cloud, FL, 34772 | $450,000

Under contract-accepting backup offers. Nestled in a serene neighborhood with no CDD, this charming 3-bedroom, 2. 5-bath residence boasts a screened-in pool and spa, offering a tranquil view of a pond with no rear neighbors. The property features a fenced yard and generous spacing of 19 to 25 feet between homes.

The master suite includes a private bathroom equipped with dual sinks, a separate shower and tub adorned with upgraded decorative tile, and a spacious walk-in closet. The second bedroom also benefits from a walk-in closet with a window.

The resort-style heated saltwater pool and spa, installed in 2021, showcases dual variable speed pumps, a chlorine generator, and a fully screened enclosure with two oversized doors. It features multi-colorful water lighting, illuminated waterfalls, and a splash pad for younger ones, complete with an umbrella holder, all conveniently controlled via a mobile app.

Additional amenities include five indoor and two outdoor ceiling paddle fans, tile flooring throughout the first floor, a 34-foot long covered lanai that spans the width of the house and faces north for ample shade, roof gutters, two Nest thermostats, time-clock controlled exterior lighting, surge suppression for the electrical panel, a front covered porch, and a kitchen island.

The second floor offers an easily convertible fourth bedroom; simply extend one half-height wall and install a door. Additionally, the front of the house features a desirable flex room, perfect for a game room, home office, day bed, or exercise area.

Recent updates to the home include exterior repainting in 2022, the installation of vinyl flooring on the entire second floor and stairs (carpeting removed) in 2022, a new garage door opener (with battery backup) installed in 2022, a fence with a 5-foot wide oversized gate and key lock added in 2023, and a replaced dishwasher in 2023.

Included with the home are the following appliances: washer, dryer, electric oven, microwave, and dishwasher. Additionally a home warranty bonus for new buyers closing on at least full price.

The location is convenient, with:
- 1. 5 miles (30-minute walk) to Dollar General
- 2. 5 miles to Starbucks, McDonald's, and Publix
- 3 miles to Dunkin' Donuts and Marco's Pizza
- 5 miles to Walmart
- 1. 5 miles to daycare services

Experience the unique charm of this home, where you can enjoy a morning coffee with scenic pond views and the soothing sounds of waterfalls, or relax in the spa while watching a rocket launch.

Included items with the house:
- Washer
- Dryer
- Electric Oven
- Microwave
- Dishwasher
- Nest thermostats
- Seven ceiling fans
- WiFi-enabled garage door opener (with battery backup and four remotes)
- Heavy-duty (10, 000 lb rated) shelving in the garage
- Bike rack mounted on garage wall
- Six-foot tall shed in the lanai
- Glass table in the lanai (with six chairs)
- Exterior glider swing
- Pool deck box
- Pool equipment, salt, etc.
- Extra pool tiles and pavers
- Extra vinyl flooring planks
- Extra interior and exterior paint
- Folder containing all essential house and pool documentation. Buyer to pay 150. 00 transfer fee and 50. 00 For Capital Contribution Fee. Seller keeps meticulous records. Buyers are to verify measurements.

Features

  • Amenities: Playground
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 2 full / 1 half
  • Lot Size: 63 x 120
  • Laundry: Inside, Upper Level
  • Style: Contemporary
  • Year Built: 2016
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,004
  • Acreage: 0.17
  • Lot Size: 63 x 120
  • Est. Taxes: $3,569
  • HOA Fee: $500 Semi-Annually
  • Lot Desc: City Lot, Landscaped, Level, Sidewalk
  • View: Pool, Water
  • Pool: Gunite, Heated, In Ground, Infinity, Lighting, Salt Water, Screen Enclosure
  • Pet Policy: Cats OK, Dogs OK
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Washer
  • MLS#: O6277822
  • Days on Market: 3 days
  • Website: https://www.raveis.com
    /prop/O6277822/3610charmedlane_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/12/2025 1:37:11 AM)
Listing courtesy of WENDY MORRIS REALTY   Phone: 407-575-5392

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3610 Charmed LANE, St. Cloud, FL, 34772

$450,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

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 $360,000 $360,000 $360,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.500% 6.875% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 7.058% 7.063% 6.132%
Monthly Tax Payment $297 $297 $297
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $2,275 $2,365 $3,014
Total Monthly Payment $2,647 $2,737 $3,386

* 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.