1.0 Point Rate Buydown available through preferred lender on approved VA, FHA, and conventional loan programs--helping qualified buyer's lower monthly payments and increase affordability. Fall in love with this storybook 3-bedroom, 2-bath cottage in the heart of Historic Downtown St. Cloud, where timeless 1930s charm meets major modern updates. Features include original wood floors, a classic clawfoot tub, vintage architectural details, and a private upstairs primary retreat full of character. Big-ticket improvements already completed with updated AC, new water heater, and a brand-new roof to be installed at closing for added peace of mind. Enjoy walkable downtown living just minutes from the St. Cloud lakefront, waterfront park, restaurants, shops, walking paths, and year-round community events. Outside offers a spacious yard, large storage shed, and pavered carport with room for entertaining, gardening, or relaxing. No HOA, prime location, historic charm, and financing incentives all