1600 E 10TH STREET, St. Cloud, FL, 34771 | $1,300,000

Virtually Staged. Seller may consider buyer concessions if made in an offer ~ Peaceful, private, and packed with possibilities, this beautifully updated POOL HOME sits on TWO PARCELS totaling 5 ACRES with a PRIVATE GATED ENTRANCE, a 3/4 ACRE POND WITH DOCK, and beautiful views of Lake Runnymede! Recent upgrades include a Rheem intelligent WATER HEATER (2026), Fleck AIO WATER FILTRATION/SOFTENING SYSTEM (2026), refreshed third bath (2026), updated laundry room (2026), painted pool deck and patio (2026), CEDAR TONGUE & GROOVE FRONT PORCH CEILING (2026), hurricane-impact DOUBLE PANE WINDOWS (2025), FRESH INTERIOR & EXTERIOR PAINT (2025), a beautifully remodeled primary bath (2025), and LUXURY VINYL PLANK FLOORING THROUGHOUT (2023/2026). The high-efficiency 5-ton, 18-SEER A/C was installed (2024), and the roof is approximately 7 years old. Designed for both everyday living and entertaining family and friends, the OPEN CONCEPT floor plan offers flexible spaces, including a BONUS ROOM/4TH BEDROOM with potential for an in-law suite and a FLEX/OFFICE that could easily become a 5th bedroom. The chef's GOURMET KITCHEN anchors the interior, paired with a light and bright living space that boasts a WOOD BURNING FIREPLACE built into a brick feature wall, while an OUTDOOR ELECTRIC FIREPLACE creates the perfect gathering space to relax and unwind. Be sure to explore the spacious PRIMARY SUITE, ideally situated on its own wing with a picture window that lets the light pour in, a huge UPGRADED EN-SUITE BATH that feels like stepping into a spa and the perfect complement of a large WALK-IN CLOSET complete with custom storage. The detached 32x42 GARAGE/WORKSHOP features 12-foot ceilings and AT&T Fiber, making it ideal for hobbies, storage, business use, or future expansion. Outside, enjoy total privacy with mature trees, sprawling green space, banana, guava, rose apple, elderberry, blackberry, avocado trees, and pineapple plants. With AT&T Fiber Internet, Starlink capability, NO HOA, seller financing available, and unlimited potential for large gatherings, recreation, or multi-generational living, this one-of-a-kind property feels worlds away while remaining just 20 minutes from Lake Nona and convenient to TOP-RATED SCHOOLS, shopping, dining, parks, major roadways, and Central Florida attractions. ** 5 ACRES ** PRIVATE POND ** LAKE VIEWS ** ENDLESS POSSIBILITIES ** Welcome to the lifestyle you have been searching for in St. Cloud ~ and WELCOME HOME!

Features

  • Rooms: 11
  • Bedrooms: 5
  • Baths: 3 full
  • Laundry: Laundry Room
  • Year Built: 1985
  • Garage: 3-car Boat, Converted Garage, Driveway, Golf Cart Parking, On Street, Open, Oversized, RV Parking, Workshop in Garage
  • Heating: Central, Electric, Natural Gas
  • Cooling: Central Air
  • Approx Sq. Feet: 3,352
  • Acreage: 4.95
  • Est. Taxes: $9,005
  • Lot Desc: Cleared, Oversized Lot, Private, Street Dead-End
  • View: Trees/Woods, Water
  • Water Front: Yes
  • Elem. School: Lakeview Elem (K 5)
  • Middle School: Narcoossee Middle
  • High School: Harmony High
  • Pool: Gunite, Heated, In Ground, Lighting, Outside Bath Access, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Water Filtration System
  • MLS#: O6413361
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /eprop/O6413361/1600e10thstreet_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 6/20/2026 4:34:08 AM)
Listing courtesy of WEMERT GROUP REALTY LLC   Phone: 407-743-8356

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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:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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Our Insurance Division:

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1600 E 10TH STREET, St. Cloud, FL, 34771

$1,300,000

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

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,040,000 $1,040,000 $1,040,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.000% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.110% 6.097%
Monthly Tax Payment $750 $750 $750
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,152 $6,235 $8,706
Total Monthly Payment $7,027 $7,110 $9,581

* 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.