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One or more photo(s) has been virtually staged. **Ask about a lender provided RATE BUY-DOWN CREDIT on this home!**Seller may consider buyer concessions if made in an offer**Welcome home to this MOVE-IN READY 3-bedroom, 2. 5-bath end-unit townhouse in the desirable GATED community of Oak Ridge in St. Cloud. Ideally positioned on a PREMIUM CORNER LOT with an expansive side yard and backyard, this meticulously cared for home offers exceptional privacy, abundant natural light, and the FEEL OF A SINGLE-FAMILY HOME with the ease of low-maintenance living. RECENT UPGRADES include a NEW AC (2025) and NEW LOFT CARPET (2025), NEW ROOF (2022), ensuring modern comfort and peace of mind. A charming paver walkway leads from the garage to the front door, creating an elegant entry into the home. Inside, the main floor features an OPEN-CONCEPT LAYOUT with beautiful ENGINEERED HARDWOOD FLOORING throughout the Living and Dining areas and continuing up the staircase. The Kitchen is beautifully designed with abundant cabinetry, expansive counters, a tile backsplash, and a pantry closet, all framed by graceful ARCHED ARCHITECTURAL OPENINGS leading into the Dining space and over the stairway. The Living area opens to an ENCLOSED, SCREENED PATIO, perfect for enjoying your morning coffee or unwinding in the evening while overlooking your spacious backyard. A well-appointed half bath completes the first floor, perfect for guests or shared use. Upstairs, a FRESHLY UPDATED CARPETED LOFT provides a versatile second living area—ideal for a home office, reading nook, or play space. The Primary Suite brings comfort and sophistication with plush carpeting, a WALK-IN CLOSET and a private en suite bath with dual sinks and a sleek step-in shower. Two additional bedrooms, both carpeted, and a SECOND FULL BATH ensure ample space for guests or family, while the upstairs Laundry Room adds everyday convenience. Residents of Oak Ridge enjoy a RESORT-STYLE COMMUNITY ATMOSPHERE complete with a sparkling pool, clubhouse, playground, and professionally maintained grounds and exterior. The neighborhood is also wonderfully WALKABLE—perfect for evening strolls or enjoying the serene surroundings. CONVENIENTLY LOCATED near Downtown St. Cloud, Lakefront Park, St. Cloud Commons Shopping Center, and just minutes from Lake Nona, the home also offers EASY ACCESS to the Florida Turnpike, US-192, and Narcoossee Road, making commuting effortless. With its PRIME CORNER LOCATION, thoughtful updates, and access to wonderful community amenities, this OAK RIDGE GEM is the perfect place to enjoy comfort, convenience, and the best of St. Cloud living.
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Our Executive Mortgage Banker:
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$275,000
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
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $220,000 | $220,000 | $220,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.625% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.322% | 6.156% | 5.415% |
| Monthly Tax Payment | $314 | $314 | $314 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,266 | $1,318 | $1,754 |
| Total Monthly Payment | $1,655 | $1,707 | $2,143 |
* 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.