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One or more photo(s) has been virtually staged. BAY LAKE RANCH HOME ON 2. 27 ACRE LOT at the END OF CUL-DE-SAC. Nestled under a canopy of lush landscaping and mature oak trees, this custom 4-bedroom, 2-bath home sits on a 2. 27-acre lot with NO HOA in the highly sought-after Bay Lake Ranch community. Located in a cul-de-sac and bordered by the 1, 100-acre Lake Lizzie Conservation Area, the property offers exceptional privacy and natural beauty.
This well-maintained home features an open floor plan, split bedrooms, and a 32x10 covered, screened lanai ideal for entertaining. Skylights fill the home with natural light. Major system upgrades include a metal roof (2012), A/C (2017), Rheem Performance Tankless Water Heater (2023), Rheem WiFi-Enabled Smart Water Softener (2023), Briggs & Stratton 20KW Whole-Home Generator (2022) with a 500-gallon propane tank, and LG range, refrigerator, washer, and dryer (2021). Additional highlights include Lexan hurricane shutters and irrigation to maintain the lush landscaping.
Step inside to a spacious living room with a bay window, flowing into the dining room with views of the backyard. The kitchen offers a vaulted ceiling, breakfast bar with stools, large sliding pass-through window to the lanai, granite countertops, wood cabinets with wine glass holders, magnetic utensil rack, and an LG refrigerator with French doors, double drawers, and Kraft ice maker. A closet pantry provides ample storage. The family room features tile floors and large sliders that open to the backyard.
The split floor plan places the primary suite on one side of the home. The primary bedroom includes double sliders that fully open for abundant natural light and excellent cross ventilation. The ensuite bathroom offers a garden tub, separate shower, double vanity, and a spacious walk-in closet. The opposite side of the home features three additional bedrooms and a hall bath. Bedroom 2 includes both a walk-in and standard closet. Bedroom 3 overlooks the backyard. Bedroom 4 includes a Murphy bed, which is included with the purchase.
This property also offers exceptional storage and workspace with multiple outbuildings, including a 24x24 free-standing garage with workbenches and attic fan, a 20x18 enclosed steel barn with covered porch, a 450 sq ft double carport, and an additional steel pole barn. All outbuildings are equipped with water and power, and the property is secured by a 16' solar-powered farm gate. The home is equipped with in-wall pest control tubes (Pest Tubes), an interior treatment system installed during construction that can be serviced by most local pest control companies.
With plenty of room to expand, garden, or even keep a horse or two, this property offers acreage, privacy, and versatility in one of St. Cloud’s most desirable communities. Residents of Bay Lake Ranch enjoy annual community activities including a Halloween Hayride, Holiday Tour of Lights, and Community Yard Sales. Call today to schedule your private showing! Check out the Video and Matterport!
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William Raveis Mortgage, LLC
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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 | $540,000 | $540,000 | $540,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.474% | 6.640% | 5.972% |
| Monthly Tax Payment | $274 | $274 | $274 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,325 | $3,410 | $4,484 |
| Total Monthly Payment | $3,691 | $3,776 | $4,850 |
* 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.