2699 MIDSWEET AVE, St. Cloud, FL, 34772 | $585,000

HUGE price adjustment! Motivated Seller! This beautiful "Marco" 3-bedroom, 3-bathroom home offers the perfect blend of livable comfort, charm & sophistication. Located on a corner lot with tranquil water views in the premier 55+ gated community of Twin Lakes in Central Florida. Curb Appeal & Backyard Views - Step onto the spacious front porch and soak in the Florida sunshine while enjoying the warm sense of community that Twin Lakes is known for. Triple sliding doors effortlessly open and tuck away where you'll discover your own piece of paradise in the expansive screened lanai primed for a summer kitchen, creates a seamless transition between your indoor retreat and private outdoor oasis designed for year-round enjoyment. Unwind as the vibrant hues of the Florida sky paint a spectacular backdrop each evening over the water. Gourmet Kitchen, Open Living, Seamless Flow - The heart of the home shines with flexibility of the living and dining area with soaring 10’ ceilings, 8’ doors, and a thoughtfully designed 3-way split floor plan which immediately creates an inviting sense of openness. The chef-inspired kitchen is perfect featuring a magnificent granite island complemented by 42” cabinetry with crown molding and Whirlpool appliances. Experience the culinary delights of a natural gas cooktop with a powerful range hood that vents to outdoors. The convenience of the butler's pantry will cater to your lifestyle offering generous storage for all your culinary and entertaining needs. Private retreats for owners and guests - This home features two private ensuites with floor to ceiling shower tiles in all bathrooms. The primary suite is a true sanctuary with tray ceilings, space for a cozy sitting area, and a generous walk-in closet. The spa-like primary bathroom includes a sleek glass-enclosed shower with dual shower heads for a customizable bathing experience. The flex bonus room offers endless possibilities as a home office, media lounge, yoga studio, or private retreat.
Resort-style living at Twin Lakes - Life at Twin Lakes is a vibrant, resort-style experience centered around the Lakefront Clubhouse & Amenity Center. A full-time Lifestyle Director ensures a dynamic social calendar with various clubs and activities, from cards and billiards to multiple community events. Stay active with a multitude of amenities including: Clay tennis courts, pickleball, and bocce ball; putting green; lap and resort-style zero-entry pools, a hot tub; state-of-the-art fitness center with sauna and engaging fit classes. For outdoor enjoyment, gather at the grill pavilion and enjoy a fire on a cool day OR explore Live Oak Lake by pontoon, John boat, or kayak that you can rent for the day. The private 384 acre lake is perfect for fishing and bird-watching with opportunities to see bald eagles soaring above. Location and lifestyle - Nestled in St. Cloud, this home offers the best of both worlds: peaceful lakeside living with convenient access to modern amenities. Historic Downtown St. Cloud, dining, and world-class bass fishing on Lake Toho are nearby. Quick access to Lake Nona/Medical City, Orlando International Airport, and the Florida Turnpike puts all of Central Florida within easy reach. Experience the Florida lifestyle you've always dreamed of. Comfort, elegance, and an active community await you at Twin Lakes. Your Florida dream home is here, make your private showing appointment now! Seller will consider assisting with Buyer's closing costs.

Features

  • Amenities: Basketball Court, Clubhouse, Fitness Center, Gated, Pickleball Court(s), Pool, Sauna, Security, Spa/Hot Tub, Tennis Court(s)
  • Rooms: 9
  • Bedrooms: 3
  • Baths: 3 full
  • Laundry: Electric Dryer Hookup, Gas Dryer Hookup, Inside, Laundry Room
  • Style: Ranch
  • Year Built: 2023
  • Garage: 2-car Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,365
  • Acreage: 0.23
  • Est. Taxes: $8,840
  • HOA Fee: $320 Monthly
  • Lot Desc: Corner Lot, Sidewalk
  • View: Water
  • Adult Communities: Yes
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer
  • MLS#: O6341153
  • Days on Market: 99 days
  • Website: https://www.raveis.com
    /prop/O6341153/2699midsweetave_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 1/2/2026 5:01:48 AM)

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2699 MIDSWEET AVE, St. Cloud, FL, 34772

$585,000

Sulka Bogart Team

Sales Associates

William Raveis Real Estate

Phone: 843.815.7500

SulkaBogartTeam@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 $468,000 $468,000 $468,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.125% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.285% 6.292% 5.609%
Monthly Tax Payment $737 $737 $737
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,657 $2,844 $3,793
Total Monthly Payment $3,486 $3,673 $4,622

* 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.