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This charming 6. 4-acre property, nestled among towering grandfather oaks in rural Saint Cloud, offers a unique blend of peaceful country living and endless possibilities. The land is fully usable, making it perfect for horses and farm animals. The front third of the property is shaded by a canopy of mature oak trees, creating a serene and picturesque environment.
The brick home features 3 spacious bedrooms, 2 baths, and a cozy family room, along with a separate dining room and a bonus room perfect for entertaining. The bonus room boasts solid pine flooring, while the living areas and kitchen are adorned with beautiful oak wood floors. The kitchen is a standout with custom-made cabinets and expansive hand-crafted pantries created by the original owner. An inside utility room adds convenience, complete with washer/dryer hookups, a toilet, and a laundry sink.
Step outside to a generously sized screened porch and a double car garage. For those seeking additional space, a 2400-square-foot frame/stucco building. This versatile structure features concrete flooring, plumbing, electrical wiring, and central heating and air, offering great potential for a workshop, studio, or other projects. Attached to the building are two garage bays with garage doors, and 3-phase electrical is available.
The property retains its vintage charm with original double-pane windows, built-in bookcases, and stunning wood flooring throughout. Whether you’re drawn to its rustic appeal or seeking a more modern touch, the potential is limitless. Experience country living at its finest—schedule your appointment today!
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Our Executive Mortgage Banker:
Our Insurance Division:
$689,000
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
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
---|---|---|---|
Loan Amount | $551,200 | $551,200 | $551,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.500% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.058% | 7.025% | 6.132% |
Monthly Tax Payment | $438 | $438 | $438 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,484 | $3,621 | $4,614 |
Total Monthly Payment | $4,014 | $4,151 | $5,144 |
* 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.