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One or more photo(s) has been virtually staged. Discover peaceful country living on more than 2 acres in the desirable Bay Lake Ranch community of St. Cloud. Built in 2021, this custom single-story home sits on a high, dry, fully fenced parcel that backs directly to conservation, offering privacy, wooded views, and plenty of open space with no HOA restrictions—ideal for those wanting room for horses, outdoor hobbies, or future additions.
A long paver driveway leads to the inviting covered front porch, while a screened lanai provides a quiet place to enjoy the natural surroundings. Inside, the home features an open layout with vaulted ceilings and a beautifully designed kitchen complete with a large center island, granite countertops, soft-close cabinetry, and stainless steel appliances.
The split floor plan places the spacious primary suite on one side of the home, offering a walk-in closet and a modern en-suite bath with dual sinks and a custom-tiled walk-in shower. Two guest bedrooms share a Jack-and-Jill bathroom, and an additional half bath adds convenience for visitors. A versatile flex room—filled with natural light—opens to the lanai and can serve as a family room, office, playroom, or game room.
Additional features include luxury vinyl plank flooring throughout the main areas, double-pane impact windows, an upgraded water softener system (2024), a well-appointed laundry room with storage and a recently serviced septic system.
Located just minutes from US-192, Lake Nona, East Lake Toho, and Downtown St. Cloud, this property delivers quiet rural living with easy access to shops, dining, and major attractions. A rare opportunity to enjoy acreage, privacy, and a newer custom home—all in one exceptional setting.
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Our Executive Mortgage Banker:
Our Insurance Division:
$569,900
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 |
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|---|---|---|---|
| Loan Amount | $455,920 | $455,920 | $455,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.500% | 5.990% | 5.125% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.285% | 6.132% | 5.415% |
| Monthly Tax Payment | $469 | $469 | $469 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $2,589 | $2,731 | $3,635 |
| Total Monthly Payment | $3,149 | $3,291 | $4,195 |
* 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.