A rare waterfront paradise with endless potential & no HOA. Expansive 4.89-acre lot in St. Cloud, this unique property offers the ultimate blend of country privacy, near city lifestyle, and limitless opportunity. Positioned beautifully along a tranquil, stocked pond with 200+ feet of private water frontage and its own dock. The existing 3-bedroom, 2-bathroom pool home boasts great bones and architectural character, featuring a spacious kitchen with an island, and a highly desirable split-floor plan. While the interior needs some tender loving care, including flooring replacement and bathroom renovations, presents the opportunity to customize a luxury estate exactly to their liking. A massive, screened-in enclosure houses a sparkling swimming pool, expansive paver decking, and a sun-shaded lounge area. Plenty of room for an additional workshop, guest house, or detached garage. Choose between "The Renovation Dream" Restore and elevate the existing home to create a private, modern waterfront retreat, "Build Fresh" Utilize the massive, private acreage to design & build your dream custom estate from the ground up or "Development Potential" Take advantage of the nearly 5-acre footprint to explore splitting the lot for multiple homesites. In 2019 major updates were completed including: roof, electric, plumbing, a/c ducts, windows, water heater, pool deck and surface. This property delivers rural tranquility without sacrificing convenience. Bring your design ideas, or your builder.