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5825 ARBORETUM STREET, St. Cloud, FL, 34771 | $418,000
Take advantage of a rare assumable financing opportunity through Freedom Mortgage with a low 5. 25% interest rate available to qualified buyers. Buyer closing costs through Freedom Mortgage are covered, no appraisal is required, and the assumption process typically takes approximately 45 days with a low $1, 800 assumption fee—offering significant savings and added convenience compared to traditional financing. This information is deemed reliable, but must be verified by buyer. We will not and can not offer any financial or tax advice regarding any financing.
This beautifully designed 2023 Cali model "Smart Home" is located on a corner lot in the sought-after Prairie Oaks community in St. Cloud. This move-in ready 4-bedroom, 2-bathroom home showcases a bright open-concept floor plan with modern tile flooring throughout the main living areas, granite countertops, stainless steel appliances, and a spacious center island that perfectly connects the kitchen, dining, and living spaces—ideal for entertaining and everyday living. Designed with both comfort and functionality in mind, the split-bedroom layout provides added privacy, while the spacious primary suite creates the perfect retreat at the end of the day. Step outside to enjoy the open rear porch and fully vinyl-fenced backyard, offering plenty of space for relaxing, pets, play, or outdoor gatherings. Prairie Oaks offers residents a welcoming neighborhood atmosphere with convenient access to Lake Nona, Medical City, Orlando International Airport, shopping, dining, and major roadways including Florida’s Turnpike, making commuting a breeze. Enjoy the charm of St. Cloud with nearby parks, lakes, recreational activities, and growing local amenities while still being close to everything Central Florida has to offer. This nearly new home combines modern finishes, energy-efficient construction, and an unbeatable location—ready for you to move right in and enjoy. Home is NOT in a flood zone per LOMR. This beautiful home is also available to lease for $2, 499 monthly… MLS: O6420410.
Features
- Amenities: Clubhouse, Playground, Pool
- Rooms: 8
- Bedrooms: 4
- Baths: 2 full
- Laundry: Inside, Laundry Room
- Year Built: 2023
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 1,830
- Acreage: 0.15
- Est. Taxes: $4,938
- HOA Fee: $166 Monthly
- Lot Desc: Corner Lot, Level, Sidewalk
- Elem. School: VOYAGER K-8
- Middle School: VOYAGER K-8
- High School: Tohopekaliga High School
- Pet Policy: Cats OK, Dogs OK, Yes
- Appliances: Dishwasher, Microwave, Range, Refrigerator
- MLS#: A4695153
- Days on Market: 23 days
- Website: https://www.raveis.com
/prop/A4695153/5825arboretumstreet_stcloud_fl?source=qrflyer
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICE Phone: 941-907-2000
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
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:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
5825 ARBORETUM STREET, St. Cloud, FL, 34771
$418,000
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
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $334,400 | $334,400 | $334,400 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.375% | 5.625% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.230% | 6.512% | 5.866% |
| Monthly Tax Payment | $412 | $412 | $412 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,978 | $2,086 | $2,755 |
| Total Monthly Payment | $2,465 | $2,573 | $3,242 |
* 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.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388