Welcome home to this charming and beautifully maintained 4-bedroom, 2.5-bath residence in the heart of St. Cloud-and best of all, NO HOA! With major updates already completed, including a NEW ROOF and fresh exterior paint (May 2023), and a NEW AC, double-pane windows and water heater (all done 2018), this home offers peace of mind and true move-in-ready convenience. From the moment you arrive, the inviting front porch sets the tone for the warmth and character found throughout. Step inside to an open-concept living area where the spacious living room flows effortlessly into the beautiful kitchen-perfect for everyday living and entertaining alike. The kitchen features a large center counter with breakfast bar, ample prep space, and a generous walk-in pantry. Custom built-in cabinetry and shelving add both style and exceptional storage. The split floor plan provides privacy and flexibility. The primary suite serves as a relaxing retreat with a walk-in closet, custom built-in desk area, and a lovely ensuite bath. On the opposite side, you'll find three additional bedrooms-one with its own private half bath-plus another full bathroom, ideal for family or guests. Step outside to the screened porch and unwind while overlooking your private, fully fenced backyard-perfect for kids and pets to play safely. A large shed with electric opens the door to endless possibilities, whether for a workshop, hobby space, or additional storage. With rear alley access and plenty of room for your RV, boat, or ATV, this property offers great versatility. Enjoy the convenience of being within 6 blocks of ELEMENTARY, MIDDLE, AND HIGH SCHOOLS. Located just minutes from downtown St. Cloud, you'll have easy access to shopping, dining, and the scenic lakefront park, plus close proximity to Lake Nona, Medical City, major attractions, and beautiful beaches. This home combines comfort, space, and location with the freedom of no HOA-schedule your private showing today!