Sellers offering Buyer's concession of $10,000! O Down Payment Financing Available to those who qualify! Welcome to this inviting 4-bedroom, 2-bathroom home offering nearly 2,100 square feet of comfortable living space, perfectly situated on a generous 1/3-acre fenced lot. This home is located in a neighborhood with NO HOA and NO CDD which gives you the freedom to live how you want—whether it's gardening, parking your toys, or simply enjoying the space. Inside, you’ll find a large family room featuring a cozy fireplace, perfect for relaxing evenings or entertaining guests. The home provides a natural flow throughout the home, and the bedrooms provide plenty of space for rest and privacy. The 4th bedroom next to family room has its own exterior access. Step outside into the screened porch which offers an area to unwind without the exposure to mosquitos or relax in your backyard oasis complete with mature fruit trees(mango, avocado, bananas and pineapple plants)and plenty of room for outdoor fun, pets, or future enhancements. Let's talk about convenience— close to shopping, restaurants , Michigan Avenue Elementary, St. Cloud Middle School, and St. Cloud High School, plus, you’re only minutes from the Turnpike entrance, making your commute easier. Don’t miss out on this rare combination of space, location, and freedom—schedule your private showing today!