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**BACK ON THE MARKET! Buyer backed out before inspections** This beautifully fully updated 2/1 home is the perfect blend of modern convenience and cozy charm. The thoughtfully designed open floor plan creates a bright and inviting atmosphere. The spacious living room flows effortlessly into the modernized kitchen with ample cabinetry and countertop space. The utility closet in the back of the kitchen is perfect for a stackable washer/dryer, making the most of the home’s layout. The bathroom is handicapped accessible, adding to the home’s functionality. Every inch of this home has been enhanced for long-term comfort and efficiency. Recent upgrades include NEWER ROOF, NEW PAINT (inside & out), FLOORING, COUTNER TOPS, APPLIANCES, NEW BATHROOM, ELECTRIC PANELS (inside & out), A/C, ENERGY EFFICIENT WINDOWS, and TANKLESS WATER HEATER, ensuring lower utility costs and peace of mind for years to come. The sleek vinyl flooring throughout adds durability and a stylish, contemporary touch. The home also features a fully enclosed front porch, a nice versatile space that could be used as a Florida room, home office, or cozy hang out area. Sitting on a spacious lot, this property offers plenty of outdoor potential. A 12x10 shed provides extra storage space, while the alleyway access in the back allows you the option to conveniently park in the partially fenced backyard. Just blocks from the lake, this home offers easy access to outdoor recreation while still being close to everyday conveniences. It’s situated near shopping, dining, schools, and major roadways, making it an excellent option for those seeking both tranquility and accessibility. Additionally, its proximity to downtown St. Cloud means entertainment and community events are always within reach. With its charming appeal and modern updates, this home is truly a hidden gem waiting for its next owner. Don't miss this opportunity!
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$239,000
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 | $191,200 | $191,200 | $191,200 |
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 | $24 | $24 | $24 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,209 | $1,256 | $1,601 |
Total Monthly Payment | $1,308 | $1,355 | $1,700 |
* 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.