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One or more photo(s) has been virtually staged. Short Sale. Short sale. Sale subject to third-party approval. This home in St Cloud will have you living on cloud 9. . . sitting on a wide 0. 29-acre cul-de-sac lot in Heritage Place and giving you more usable space than the numbers show. This home even has a BONUS flex room that opens the door for whatever you need office, playroom, media spot, home gym. . . it adds real lifestyle value right away.
Inside, the layout flows easy with a true split plan, and a bright, open feel that pulls you straight toward the oversized covered back porch. . . perfect for those slow Florida evenings.
You've got solid block construction, shingle roof 2014, A/C from 2014, city water and sewer, natural gas for efficiency, and a fully fenced backyard with a 6-ft vinyl privacy fence added in 2016. The 484 sq ft finished garage and spacious driveway give you plenty of room for cars, storage, or a small workshop setup.
The lot is the real win here. . . rare size for this part of St Cloud and plenty of room to spread out. No HOA, no rules, no fees. Just your home, your yard, your way.
You're also tucked close to highly FL DOE rated schools Michigan Ave Elementary, St Cloud Middle, and St Cloud High all within a mile.
Showings by appointment. . . come see what Cody Allen Court is all about.
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Our Executive Mortgage Banker:
Our Insurance Division:
$449,990
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 | $359,992 | $359,992 | $359,992 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.524% | 5.866% |
| Monthly Tax Payment | $206 | $206 | $206 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,156 | $2,246 | $2,965 |
| Total Monthly Payment | $2,437 | $2,527 | $3,246 |
* 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.