Under contract-accepting backup offers. If you've been waiting for an affordable home near the St. Cloud Lakefront with NO HOA-this might be the one that finally makes sense. Situated on a generous corner lot, this move-in ready 2-bedroom, 1-bath home offers a rare combination of location, comfort, and flexibility just minutes from the lakefront, parks, and Historic Downtown St. Cloud. Enjoy convenient access to dining, community spaces, and everyday essentials in an established area known for its charm and accessibility. Inside, the light-filled layout creates a seamless flow between the living, dining, and kitchen areas. The refreshed kitchen features matching stainless steel appliances and a clean, modern feel, while the remodeled bathroom adds a polished touch. This property offers the benefit of no HOA restrictions, along with outdoor space to relax or entertain. The fully fenced backyard includes an updated deck, covered patio, and fruit trees-creating a versatile outdoor setting. A 1-car garage plus two utility sheds provide ample storage or workspace options. With nearby Lynx transit stops and convenient access to major roadways, this home supports a variety of lifestyle needs. A unique opportunity to enjoy the St. Cloud lifestyle with added flexibility and value.