Nestled just minutes from the scenic St. Cloud Lakefront, this beautifully upgraded property offers the perfect blend of modern luxury, functionality, and space - all with NO HOA. Situated on two parcels totaling approximately .51 acres, this fully fenced property features premium vinyl fencing for added privacy and curb appeal. Inside, you'll find an open-concept floor plan with soaring ceilings, abundant natural light, upgraded modern fixtures throughout, and a cozy working fireplace perfect for entertaining or relaxing evenings at home. The fully remodeled kitchen is a true showpiece, featuring trendy grey-coated oak cabinetry, high-grade Calcutta quartz countertops with a stunning waterfall island, and a dedicated coffee bar designed for everyday convenience and style. The luxurious primary suite showcases a completely renovated spa-inspired bathroom with floor-to-ceiling tile, a standalone soaking tub, double vanity, and all-new designer fixtures. Two additional bedrooms have been recently upgraded with luxury vinyl flooring and brand-new ceiling fans. A spacious loft currently functions as a fourth bedroom, while an additional flex room offers endless possibilities for a home office, gym, playroom, or guest space. Outside, the oversized driveway accommodates approximately eight vehicles, making this property ideal for gatherings and entertaining. Major updates provide peace of mind, including a brand-new roof (2025) and brand-new septic system (2025).