Take advantage of 100% financing opportunity. This Modern Craftsman Ranch home is sitting on a half acre of land and is just right for the pickiest buyers. Welcome home to this beautifully updated four-bedroom retreat featuring a spacious open floor plan highlighted by neutral tones, that translate into class and elegance. The expansive main area flows from the Foyer and formal Dining Room past a striking Grand piano into the comfortable Living Room. It all comes together seamlessly with this chef-inspired Mocha Kitchen with BRAND NEW stainless steel APPLIANCES (Refrigerator, Dishwasher, Stove), granite island surfaces, and a captivating, stylish mosaic glass backsplash. Step into your Primary Bedroom that offers French door access to the covered Lanai that extends the living area to an outdoor oasis. The owner has invested in a customized, electric Dropshade for the large sliding glass doors leading onto lanai, while the secondary bedrooms include a flexible space configured as a bright home office and another as a charming bunk room. Enjoy your mature backyard that includes a serene atmosphere with a firepit, raised vegetable gardens, and a countered courtyard. Need extra space? A Brand New OUTDOOR SHED installed in 2023. Other upgrades include a well water tank 2025, a water Softener in 2025. Brand NEW A/C. The layout is one of a kind; in that every area has its own bathroom. The owner's suite, the 2-bed suite, and the private princess suite behind the barn doors are perfect for overnight guests. This established, manicured community with a neighborhood pond and access to a nearby lake provides the perfect blend of style, function in St. Cloud, close to highways, schools, beaches, shopping, the airport, and set apart from the chaos of downtown living.