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Welcome to your own PRIVATE HOMESTEAD RETREAT in Bay Lake Ranches, where country living, modern updates, and usable acreage come together on 3. 12 ACRES in St. Cloud. This five-bedroom, two-and-a-half-bath home offers the space, flexibility, and freedom today’s buyers are searching for, with room to garden, raise animals, and fully embrace the lifestyle they’ve been dreaming about. Thoughtfully designed for self-sufficient living, the property features an ESTABLISHED FOOD FOREST (ask for the list of edible plants and fruit-producing trees), along with a pigpen and chicken coop that make it easy to step into a more intentional way of life. Whether your vision includes collecting fresh eggs each morning, growing your own food, homeschooling, or simply enjoying open space and privacy, this property is ready to support it. With over three acres, there is still plenty of room to expand gardens, add additional animals, park recreational vehicles, build workshops, or simply enjoy the peaceful surroundings and natural beauty of the property. Inside, the home blends rustic charm with meaningful modern updates and a functional layout designed for everyday living. The FIRST FLOOR PRIMARY SUITE offers privacy and convenience, complete with a walk-in closet, dual sink vanity, and a beautifully updated step-in shower with glass enclosure. Upstairs, the four additional bedrooms share a thoughtfully designed split bathroom layout featuring two separate standalone vanities partitioned from the shower-equipped bathtub and toilet area, making busy mornings and shared living far more functional. Both bathrooms have been remodeled with a modern farmhouse flair, while the upstairs carpeting has been replaced with durable luxury vinyl plank flooring. The kitchen has been tastefully refreshed with painted cabinetry, while a dedicated workstation area now features butcher block countertops and a tile backsplash that add warmth and character to the already functional layout complete with a large walk-in pantry and stainless-steel appliances. Downstairs, a former storage room has been transformed into a dedicated craft or HOMESCHOOLING ROOM, creating valuable flex space for modern living. The laundry room has also been updated with bead-board accents and new vinyl flooring for a polished farmhouse-inspired touch. In addition to the cosmetic updates, SOLAR PANELS add valuable energy efficiency, with the sellers paying off the solar loan at closing so the next owner can immediately enjoy significantly reduced utility costs. According to the sellers, the electric bill averages approximately $100 per month. The roof and HVAC system were both replaced in 2018, adding even more long-term value and peace of mind. The property also includes a two-car attached garage, private well and septic, a spacious deck for outdoor living, and zoning that allows horses, making it ideal for buyers seeking land that works as hard as they do. Located in the peaceful Bay Lake Ranch community, residents enjoy larger acreage homesites, a relaxed rural atmosphere, and the freedom of a no-HOA lifestyle, all while remaining conveniently close to downtown St. Cloud, Lake Nona Medical City, shopping, dining, Orlando International Airport, major attractions, and Florida’s east coast beaches. More than just a home, this is an opportunity to PLANT ROOTS, create lasting traditions, and enjoy the freedom, privacy, and fulfillment of true Florida homestead living.
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Our Executive Mortgage Banker:
Our Insurance Division:
$700,000
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 | $560,000 | $560,000 | $560,000 |
| 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 | $491 | $491 | $491 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,448 | $3,586 | $4,688 |
| Total Monthly Payment | $4,031 | $4,169 | $5,271 |
* 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.