Are you looking for a home in St. Cloud with NO HOA? Then come check out this charming home on a nice corner lot! The NEW ROOF installed in March 2026 and NEW HVAC in 2023 will give you peace of mind and energy savings. Hardwood flooring with exception of large kitchen and bath. No flood insurance required here either, located in desirable Flood Zone X. There are three bedrooms and one full bath plus a side entry, single car garage. This home is located near the great shops and restaurants of downtown St. Cloud and the beautiful Lakefront Park and is in the area of town that allows golf carts. Perfect for a family starting out, empty nesters or would make a great investment home. Make your appointment to see it today!