Welcome Home! NO HOA AND NO CDD! Gorgeous, completely renovated in 2007-08, well-maintained 4 bedroom, 2 1/2 bathroom home in the highly sought after historic State Streets area of St. Cloud. Don't let the front photo fool you; this home is spacious! At just under 3,200 sq. ft., this warm and inviting home is full of character and charm, with modern updates and amenities such as hardwood KraftMaid cabinets, granite counter tops, bamboo floors, brick paver driveway with rocking chair front porch, and even a completely paid off solar energy system! Just imagine the super low electric bills! There are many fun and unique characteristics too, like a koi pond, a movie theater room with bar and a custom screen, and there's even a gigantic loft (perfect for an office space or gaming!). Wait until you see the solid wood, tongue-in-groove ceiling on the back porch. This home has it all - even a generously sized 2-car garage with attic storage! Take a walk to the public beach of Little Lake Toho - it's just 5 blocks away! There, you'll find a public beach, marina, a restaurant, multiple picnic pavilions, a splash pad, and a covered playground. Don't sleep on this one! It's a MUST SEE. Super low taxes and no HOA. Seller is even offering a one year home warranty at closing! This home has everything (including location), and room for everyone. All it needs is you! ***INVESTORS: This house could easily be split up into TWO separate rental units. The front & the back each have their own kitchens, a bathroom (front has 1 1/2) and 2 bedrooms. The back also has a dedicated entrance. Tons of potential! You could even live in one half and rent out the other - a great passive income option for those just starting out or those retiring!