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One or more photo(s) has been virtually staged. Welcome to 513 Wyoming, a delightful 3 bedroom 2 bath one level home located in the historic downtown St. Cloud. This charming retreat combines modern construction with classic appeal, ensuring a secure and comfortable living environment. The single-story design eliminates stairs, providing ease and convenience. The home feels spacious and inviting, thanks to vaulted ceilings and an open-concept layout. The design allows a seamless flow from room to room, making the home feel larger than its square footage. Bedrooms are thoughtfully split to maximize privacy, and the recently updated bathrooms feature elegant, modern touches. Freshly repainted walls and recently installed tile flooring throughout create a clean, bright, and welcoming atmosphere. . The standout feature of this home is the charming Florida room, perfect for enjoying morning coffee with sunrise views. Fully framed with acrylic panel sliding windows, this versatile space is an all-weather haven. With some imagination, it could be connected to the central air system, adding more living area to suit your needs. . The fully fenced chain-link rear yard ensures security and privacy and stands ready for that new inground pool design! Mature landscaping enhances the serene outdoor space, perfect for relaxation or entertaining. The property also includes a versatile storage shed (wired with both 110 and 220 power) for gardening tools, bicycles, or a small workshop. The home features newer concrete block construction meeting the modern hurricane codes and is outfitted with hurricane shutters. Also good news for insurance, this home was also re-roofed in 2017. Downtown St. Cloud is a neighborhood rich in history and character, perfect for leisurely walks among beautiful, historic homes. Despite its historic charm, the area offers modern amenities, including quaint shops, delightful restaurants, and scenic parks within short distance. The strong community spirit makes it an ideal place for a peaceful, fulfilling life. Just steps from your front door, Godwin Park spans the entire block between 3rd and 4th Street, boasts an expansive green space perfect for outdoor activities, along with a playground, sport courts, and ample parking. Living just a block away means you can enjoy this vibrant community hub with ease, offering something for everyone in the family. Living in downtown St. Cloud on the state streets offers the incredible advantage of being just five blocks from the picturesque Lakefront Park (but outside of the any 100/500 year flood plains - not so for many owners inside of 3rd St). This beautiful park provides a serene escape with its stunning lake views, walking and biking trails, playgrounds, and picnic areas, perfect for family outings and relaxation. The park also features a marina, splash pad, and regular community events, making it a vibrant hub for outdoor activities and social gatherings. Choosing to live here means having easy access to one of the area's most cherished recreational spots, enhancing your quality of life with nature and community right at your doorstep. Click here for a full Video Tour: https: //youtu. be/xSd_k4KeL58
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Our Executive Mortgage Banker:
Our Insurance Division:
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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 | $295,920 | $295,920 | $295,920 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 7.000% | 6.990% | 6.250% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.815% | 7.159% | 6.538% |
Monthly Tax Payment | $345 | $345 | $345 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $1,969 | $1,967 | $2,537 |
Total Monthly Payment | $2,389 | $2,387 | $2,957 |
* 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.