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Step back in time while enjoying all the modern comforts in this beautifully updated historic gem located in the heart of Downtown St. Cloud! Proudly displaying a 1910 Historic Plaque, this charming home offers timeless character, thoughtful updates and an unbeatable location. Relax on the welcoming front porch with your morning coffee while enjoying a front-row seat to St. Cloud’s beloved Christmas Parade each year. Inside, you’ll find a bright and inviting open concept floor plan where every square foot has been carefully designed for functionality and comfort. The remodeled kitchen is sure to impress with shaker style cabinetry, quartz countertops, Samsung appliances and a center island topped with a sleek stainless steel countertop. The updated bathroom features a stunning walk in
shower with quartz walls and a modern smart mirror. Historic charm abounds throughout the home from the over 100 year old stained glass front door imported from England to the wide baseboards and architectural details that make this home truly special. The oversized bedroom offers plenty of space and could be converted back into a two-bedroom layout if desired. Major updates provide peace of mind including a 2010 metal roof, replacement windows (2018), HVAC system replaced approximately two years ago, tankless water heater, updated 200-amp electrical service, and a replaced electrical panel in the detached garage. The private backyard leads to a detached block two-car garage complete with a mini-split air conditioning system, making it ideal for a workshop, home office, hobby space, gym, or vehicle storage. Alley access behind the property provides additional convenience, while street parking is available in front of the home. The private backyard leads to a detached block two-car garage complete with a mini-split air conditioning system, making it ideal for a workshop, home office, hobby space, gym, or vehicle storage. Located just minutes from the St. Cloud Lakefront, you’ll enjoy easy access to walking and biking trails, a splash pad, marina, boat ramp, waterfront restaurant and beautiful lake views. Downtown St. Cloud continues to thrive with locally owned restaurants, coffee shops, boutiques, and entertainment making this a wonderful opportunity to own a piece of local history in one of Central Florida’s most charming communities.
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Our Executive Mortgage Banker:
Our Insurance Division:
$275,000
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 | $220,000 | $220,000 | $220,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.370% | 6.603% | 5.952% |
| Monthly Tax Payment | $39 | $39 | $39 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $1,318 | $1,389 | $1,827 |
| Total Monthly Payment | $1,432 | $1,503 | $1,941 |
* 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.