Under contract-accepting backup offers. Welcome to this beautifully maintained 2009 custom-built home in St. Cloud—located within city limits and offering NO HOA! Enjoy peaceful lake views from the covered front porch, then step inside to a spacious entryway filled with natural light and timeless upgrades, including 10’ ceilings throughout, elegant crown molding, detailed trim work, rounded corners, and solid wood doors throughout the home. The thoughtful split floor plan features a dedicated home office, two generously sized secondary bedrooms with ceiling fans, and a full guest bath on one side of the home. The main living space opens into a spacious family room and kitchen combination—perfect for entertaining—featuring a bright picture window with beautiful views and incredible natural light. The kitchen offers KraftMaid cabinetry, soft-close drawers, under-cabinet lighting, Silestone countertops, a large pantry with custom shelving, and plenty of functional storage. The oversized primary suite provides privacy and comfort with a large closet, spacious bath, and convenient access to the indoor laundry room. Step outside to a large screened-in back porch with ceiling fans, overlooking a fenced backyard with irrigation, brick pavers, a garden area, and a shed on a slab—ideal for outdoor living and storage. Additional features include a 2-car garage with workshop area, plus walk-in attic storage with flooring, shelving, and a window for easy visibility. Schedule your private showing today—this home offers quality craftsmanship, space, and a great St. Cloud location with no HOA restrictions!