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Finding an affordable home in St. Cloud that isn't boring and builder basic is harder than it should be. Until now. 3468 Barina Street is a 4 bedroom, 2 bathroom home in one of St. Cloud's most intimate communities, just 53 homes, one way in, one way out, and the kind of neighborhood where the front porch is where conversations actually happen. The home sits at the front of the street with no rear neighbor, no left neighbor, and a peaceful pond directly across the way. Walk through the covered front porch and into the foyer and you immediately notice something most homes don't have. A second interior door. It was intentional. It creates a fully private wing near the entry, perfect for multigenerational living, a dedicated work-from-home setup, or simply giving everyone their own world without leaving home. Beyond that door, the home opens up beautifully. Vaulted ceilings, warm luxury vinyl plank flooring, and a custom floor-to-ceiling stacked stone fireplace anchor a great room built for real living. The kitchen makes its own statement, a massive island with seating for a crowd, rich dark cabinetry with crown molding, mosaic tile backsplash, stainless appliances, walk-in pantry, and designer pendant chandeliers. It is a kitchen built for gathering. The primary suite is private and generous, with a soaking tub, separate shower, dual vanities, and a custom closet system. Every bedroom has been thoughtfully designed with accent walls and retractable ceiling fans throughout. The laundry room even earned its keep, upgraded cabinetry, folding counter, and a shiplap accent wall. Outside, a screened lanai offers a peaceful space to breathe to enjoy a good book and listen to the birds. Additional upgrades include: epoxy garage flooring with fresh paint and a full steel cabinet system. The home has built-in pest control and an ADT security system with four cameras. Downtown St. Cloud, East Lake Toho, local dining, Saturday farmers markets, Lake Nona, and the theme park corridor are all within easy reach. Super low HOA. Move-in ready in every sense of the word.
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Our Executive Mortgage Banker:
Our Insurance Division:
$400,000
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 |
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|---|---|---|---|
| Loan Amount | $320,000 | $320,000 | $320,000 |
| 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 | $491 | $491 | $491 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,970 | $2,021 | $2,657 |
| Total Monthly Payment | $2,536 | $2,587 | $3,223 |
* 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.