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Welcome to your new home in the highly desirable Amelia Groves community in St. Cloud! Built in 2023, this stunning two-story bungalow combines modern design, comfort, and an unbeatable location with a peaceful water view. Step inside to a spacious open-concept floor plan designed for both everyday living and entertaining. The heart of the home is the beautifully appointed kitchen, featuring a large center island, sleek stainless-steel appliances—including a range, refrigerator, dishwasher, and microwave—and plenty of cabinet space. The primary suite offers a relaxing retreat with a generous walk-in closet and a private en-suite bathroom complete with dual sinks and a stylish framed shower. On the main level, you’ll find a well-placed bedroom next to a full bathroom, complemented by a den/study across the way—ideal for flexible living or working from home. Upstairs, you'll also find a conveniently located laundry room for added ease. Thoughtful details throughout the home include cozy carpeted bedrooms, elegant tile flooring in wet areas and the main living spaces, and plenty of natural light. From the kitchen you have access to the covered screened patio that leads to the garage. Enjoy your morning coffee on the charming front porch or unwind in the evening while taking in the serene water view—perfect for relaxing or entertaining outdoors. This move-in ready home truly offers the perfect blend of style, functionality, and location. ****Home square footage, taxes, lot sizes, and schools are to be independently verified. ***
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Our Executive Mortgage Banker:
Our Insurance Division:
$459,000
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 | $367,200 | $367,200 | $367,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.625% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.609% | 6.776% | 6.078% |
| Monthly Tax Payment | $523 | $523 | $523 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $2,261 | $2,351 | $3,074 |
| Total Monthly Payment | $2,859 | $2,949 | $3,672 |
* 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.