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Is there a move in ready 3-bed single family home in St. Cloud with water views and updated systems under $340K? Welcome to 560 Brown Bear Way in the established Southern Pines community, where comfort, convenience, and major upgrades come together in one beautifully maintained property. This 3 bedroom, 2 bathroom home offers 1, 632 square feet of thoughtfully designed living space with a desirable split floor plan, open gathering areas, and peaceful backyard water views. Inside, you will find updated wood tile flooring, refreshed kitchen countertops, stainless steel appliances, and spacious living and dining areas perfect for entertaining or everyday living. Major improvements including the roof, HVAC system, and water heater have already been completed, offering added peace of mind for the next owner. The primary suite provides a relaxing retreat with an ensuite bath and generous closet space, while the additional bedrooms offer flexibility for guests, work from home needs, or hobbies. Step outside to enjoy the fully fenced backyard overlooking the water, creating the ideal setting for morning coffee, evening sunsets, or outdoor gatherings. Additional features include a 2 car garage, driveway parking, 5, 532 square feet lot, and low annual HOA fees of only $550. Southern Pines is known for its family friendly atmosphere, community pool, and playground, all conveniently located near East Lake Tohopekaliga, Historic Downtown St. Cloud, Lakefront Park, Canoe Creek Village shopping, local restaurants, breweries, farmers markets, and major Central Florida attractions. Residents enjoy easy access to boating, fishing, conservation trails, airboat tours, Lake Nona, and theme parks approximately 20 miles away. This 3-bed home in St. Cloud delivers updated features, scenic outdoor living, and a convenient location all at an attractive price point of $339, 900. Call to schedule your private tour today.
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Our Executive Mortgage Banker:
Our Insurance Division:
$339,900
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 | $271,920 | $271,920 | $271,920 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.250% | 6.750% | 5.875% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.634% | 6.890% | 6.078% |
| Monthly Tax Payment | $420 | $420 | $420 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,674 | $1,764 | $2,276 |
| Total Monthly Payment | $2,169 | $2,259 | $2,771 |
* 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.