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One or more photo(s) has been virtually staged. Welcome to Your Dream Home in Harmony, St. Cloud! This well-maintained 3-bedroom, 2-bathroom home with SOLAR PANELS OWNED FREE and CLEAR, an attached 2-car garage with built-in workshop offers comfort, functionality, and charm. The covered front porch beckons you in, setting the tone for this bright and welcoming residence. Inside, it looks and feels like a newly built home! Large windows adorned with custom plantation shutters fill the house with natural light. The formal dining room boasts a beautiful mercury glass chandelier, while the modern kitchen is equipped with stainless steel appliances, ample counter space, and a charming bay window that allows you to view the tranquil scenery while dining in the breakfast nook. Sliding glass doors lead to a covered lanai, where you can enjoy the privacy of a backyard oasis that backs to a serene protected conservation area with no rear neighbors. This is a great place to enjoy the breathtaking "golden hour" of sun while watching the birds play. The living area, with its durable ceramic tile flooring, and all bedrooms, enhanced with engineered wood, are just the beginning. The primary suite, thoughtfully tucked away from the other bedrooms, offers a unique retreat with a Shiplap Accent wall, two closets, and a luxurious en suite bathroom. The en suite includes a soaking tub, a separate oversized walk-in shower, dual sink vanity, and plenty of counter space. Additional highlights include ceiling fans throughout, extended foyer with tray ceiling, archways, a Nest thermostat, and wireless irrigation control. The home also boasts an inside laundry room with cabinets, a full-size washer and dryer, SOLAR PANELS for significant energy savings and efficiency, and a rain barrel, appealing to the environmentally conscious homeowner! The Harmony community amenities include a resort-style pool, a championship golf course, and walking and biking trails. There is also a dog park, a fishing pier, and boating on Buck Lake -you don't need to bring your boat, as the community owns boats that residents can reserve. Additional features include playgrounds, sports courts, and a community garden program for which you can sign up. This home is a short stroll to two neighborhood parks and just a 15-minute walk to the larger neighborhood park that has a splash pad, sports courts, soccer fields, volleyball, and basketball- perfect for family fun. The Harmony Community is not just a place to live, it's a lifestyle. Home to top-rated schools, conveniently located within the neighborhood, and Harmony High School, connected by a pedestrian tunnel, it's the perfect place to raise a family. You will love the shops and restaurants in Harmony Square, all just a short walk from your front door. And when you're ready for adventure, this home is just a 40-minute drive from the beautiful Florida beaches, offering the perfect balance of tranquility and excitement! Don't let this opportunity slip away. Experience the charm, comfort, and convenience of this incredible home. Schedule your private tour today and take the first step towards making this your new home!
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Our Executive Mortgage Banker:
Our Insurance Division:
$415,000
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 | $332,000 | $332,000 | $332,000 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.875% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 7.191% | 7.042% | 6.160% |
Monthly Tax Payment | $430 | $430 | $430 |
H/O Insurance Payment | $75 | $75 | $75 |
Initial Principal & Interest Pmt | $2,181 | $2,181 | $2,779 |
Total Monthly Payment | $2,686 | $2,686 | $3,284 |
* 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.