Seller is MOTIVATED and now offering up to $10,000 toward buyer’s closing costs Welcome to this charming and well-maintained 2-bedroom, 1-bathroom bungalow located in the heart of St. Cloud—offering 1,192 sq. ft. of comfortable living space, no HOA, and a fantastic combination of classic character and modern potential. Step inside to discover a bright and functional kitchen with an inviting dinette area, perfect for casual meals or morning coffee. The living spaces are full of natural light, creating a warm and welcoming environment throughout. A standout feature is the partially finished upstairs, offering flexible space that can be used as a home office, hobby room, playroom, or even converted into a third bedroom depending on your needs. Outside, enjoy a spacious backyard with alley access, a detached storage shed, and plenty of room for outdoor entertaining, a garden, or future home additions. The property layout provides both privacy and potential—ideal for anyone wanting to customize their space. This home is conveniently located just minutes from the scenic St. Cloud lakefront, waterfront parks, playgrounds, walking paths, and a vibrant historic downtown filled with restaurants, shopping, and local events. Zoned for Lakeview Elementary, St. Cloud Middle, and St. Cloud High School. Additional financing perks include eligibility for FHA 203(k) renovation loans, allowing buyers to roll upgrades or improvements into their mortgage. Plus, buyers using the preferred lender may qualify for an additional lender credit—adding even more value to this great opportunity. Whether you're a first-time homebuyer, looking to downsize, or seeking a smart investment property, this home offers flexibility, location, and incentives that are hard to beat. Schedule your private showing today and take advantage of the limited-time $10,000 closing cost credit!