Under contract-accepting backup offers. Welcome to the heart of St. Cloud, where charm, character, and space come together on a hard-to-find oversized lot just minutes from the beautiful lakefront. This 4-bedroom, 2.5-bath home sits on over 1/3 of an acre with NO HOA, offering the freedom and room you've been looking for. From the moment you arrive, you'll notice the fresh exterior paint, newer metal roof, and inviting curb appeal that perfectly match the home's timeless personality. Inside, the home is full of warmth and unique character, with spacious living areas, abundant natural light, and a layout that offers both comfort and flexibility. The kitchen provides plenty of cabinet and counter space, while the living and dining areas create the perfect setting for everyday living or entertaining guests. The second floor features 3 bedrooms and a full bathroom with a tasteful spin on New design but keeping the homes character in mind. One of the really cool added features is the third-floor bonus space, a rare find with endless possibilities - perfect for a game room, office, studio, guest retreat, or anything you can imagine. Step outside and enjoy the extra space that only a large lot can provide as well as the large deck to chill and grill. With over 1/3 acre, there's room for outdoor entertaining, toys, gardening, or simply relaxing and enjoying the peaceful setting. Located just minutes from the St. Cloud Lakefront, local shops, restaurants, and schools, this home offers the perfect mix of small-town charm and everyday convenience. Homes with this much character, land, and location don't come around often - schedule your showing before this St. Cloud gem is gone