3481 PAWLEYS LOOP N, St. Cloud, FL, 34769 | $599,900

Warning: Reading this, you will realize everything has been done for you in this home with over $125k in upgrades. You already know why so many families search for homes in Stevens Plantation: spacious homes, tree-lined streets, and a location that keeps you close to the very best of Central Florida living while offering a true neighborhood atmosphere. What you may not expect is to find a home where nearly every detail has been upgraded and thoughtfully refined to create a truly turnkey experience. From the moment you arrive, it’s clear this residence was designed for both comfort and functionality. Offering 3, 110 square feet with a desirable 3-car garage, this completely updated home blends luxury finishes with practical family living. The split floor plan is especially rare and highly functional, with all bedrooms conveniently located on the first floor, while an expansive upstairs bonus room creates endless possibilities for a theater room, game room, or private retreat. Inside, the transformation is immediately apparent. Luxury lighting elevates every space, while custom baseboards, upgraded finishes, and luxury vinyl flooring flowing throughout the home create a clean, modern aesthetic. The dedicated office or den features upgraded custom doors, creating a private and refined workspace perfect for remote work or study. At the center of the home is the beautifully redesigned kitchen, created for both entertaining and everyday living. Quartz countertops, upgraded cabinetry, designer backsplash, upgraded sink and faucet, and thoughtfully selected finishes combine to create a space that feels elegant and functional. The kitchen opens seamlessly into the main living areas, allowing the home to feel connected and spacious. Nearby, the dining room has been enhanced with custom built-in cabinetry that adds sophistication and practical storage. The owner’s suite offers the kind of comfort and refinement buyers are searching for, highlighted by a custom-designed master closet system and beautifully remodeled bathroom. Custom built-in bathroom cabinetry and upgraded finishes bring a luxury feel to every bath throughout the home. The updates continue well beyond cosmetic improvements. Major investments include a new roof (2021), double-pane windows (2023), upgraded sliding doors, a tankless water heater, new electrical panel, Tesla charger, water softener system, and a roof lightning protection. Even the laundry room was thoughtfully redesigned with upgraded cabinetry, while the oversized storage attic provides exceptional space rarely found in newer homes. Step outside, and the home transforms into a private Florida retreat. The open-air pool and pavered deck create the perfect setting for entertaining, relaxing weekends, or family gatherings year-round. A dedicated pool bath with direct access to the outdoor living area adds both convenience and functionality to the space. Every system, finish, and detail contributes to a home that feels modern, efficient, and completely move-in ready. Combined with its location just minutes from the tourist corridor along US Highway 192, the home offers exceptional convenience to dining, entertainment, shopping, and Central Florida attractions while still maintaining the comfort of a residential community. Even the HOA adds significant value, including Spectrum 1GB internet, premium cable channels, and a Flock neighborhood camera safety system Call now to schedule a showing. . . this home will not last.

Features

  • Amenities: Trail(s)
  • Rooms: 13
  • Bedrooms: 4
  • Baths: 3 full
  • Lot Size: 80 x 120
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Craftsman, Traditional
  • Year Built: 2005
  • Garage: 2-car Driveway, Garage Door Opener, On Street
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,110
  • Acreage: 0.22
  • Lot Size: 80 x 120
  • Est. Taxes: $3,691
  • HOA Fee: $202 Quarterly
  • Lot Desc: City Lot, Landscaped
  • Elem. School: St Cloud Elem
  • Middle School: St. Cloud Middle (6-8)
  • High School: St. Cloud High School
  • Pool: Auto Cleaner, Child Safety Fence, Gunite, In Ground, Lighting, Self Cleaning
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Microwave, Range, Refrigerator, Tankless Water Heater
  • MLS#: O6406660
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/O6406660/3481pawleysloopn_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 5/19/2026 4:19:13 PM)
Listing courtesy of PRISTINE FLORIDA PROPERTIES LLC   Phone: 727-510-8226

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

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Our Insurance Division:

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3481 PAWLEYS LOOP N, St. Cloud, FL, 34769

$599,900

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $479,920 $479,920 $479,920
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 $308 $308 $308
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $2,955 $3,113 $4,018
Total Monthly Payment $3,355 $3,513 $4,418

* 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.