MOVE-IN READY! UNIQUE LAKE-ACCESS OPPORTUNITY! Welcome to 2234 Maple Ter, a charming 3-bedroom, 2-bath single-family home in the Maple Terrace area of St. Cloud. Built in 1979 and offering approximately 1,504 heated square feet, this one-story home sits on a spacious 0.40-acre lot in a quiet established neighborhood near Alligator Lake. The property features a private screened pool, in-ground spa, covered carport, mature landscaping, and a peaceful outdoor setting with nearby canal and lake views. The owner has directly stated that the home offers front-door access to Alligator Lake and the connected Chain of Lakes, plus shared ownership interest in a private canal with private boat dock and direct lake access. Inside, the home offers a functional layout with separate living and dining areas, solid-surface kitchen counters, ceiling fans, window treatments, and accessibility-friendly bathroom features including a walk-in tub and shower grab bars. Recent owner-reported updates include a new roof in 2023, new pool screen in 2022, new pool pump in 2025, pool tile and resurfacing in 2026, A/C system serviced in 2025, well pump serviced in 2026, whole-home generator with 100-gallon rented propane tank, and transferable Massey termite bond. Carpet has been removed and not replaced, and seller is offering up to $20,000 in buyer concessions, which may be used toward flooring, repairs, closing costs, prepaid items, or other allowable costs. Conveniently located near US-192, Lake Nona area access, shopping, dining, schools, and major Central Florida roadways. IMPORTANT NOTE TO BUYER AGENT: Limited-service listing. Please see Realtor Only Remarks or Showingtime Instructions on StellarMLS for showing and offer instructions.