tomo logo

$440,000

Beds
4
Baths
3.5
sq ft
2,222

207 Polermo Ave, Saint Cloud, FL 34771

207 Polermo Ave

ST CLOUD, FL 34771

  • <1 day on market
Welcome to this stunning 4-bedroom, 3.5-bathroom home offering modern elegance, high-end finishes, and thoughtful upgrades throughout. Nestled in the sought-after Siena Reserve community of St. Cloud, FL., this home seamlessly blends style and function, making it the perfect retreat. A huge perk of ownership is the 2.25 Assumable FHA Loan, which could be assumed upon bank approval—an incredible opportunity in today’s market. Additionally, all furnishings as seen in the photos (minus personal items) are available for purchase in a bill of sale, separate from the home itself. Upon entry, the foyer leads into a bright, open-concept living space. The living room features a custom-built entertainment wall with sleek built-in cabinetry, an eye-catching textured accent wall, and upgraded lighting, creating a modern yet cozy atmosphere. Large sliding glass doors provide an effortless indoor-outdoor flow to the fully fenced backyard, offering privacy and space for outdoor activities. The chef’s kitchen is designed for both beauty and practicality, boasting quartz countertops, stunning brand-new backsplash, and a spacious island with a textured facade—ideal for meal prep and casual dining. The coffee bar, thoughtfully set apart, enhances convenience without compromising counter space. Elegant new pendant lighting complements the stylish design, and a walk-in pantry ensures ample storage. Upstairs, the primary suite is a true sanctuary, complete with a luxurious en-suite bathroom featuring a glass shower enclosure, and dual vanities. The expansive walk-in closet provides plenty of storage. Each additional bedroom is generously sized, and all upstairs bathrooms have been upgraded with glass shower-tub enclosures. The seller is willing to replace all the carpet upstairs upon move-out, allowing for a fresh start with brand-new carpeting. A versatile loft area offers additional living space, perfect for a media room, home office, or playroom. The upgraded luxury vinyl flooring continues up the stairs, enhancing durability and modern appeal. Convenience is key with an upstairs laundry room and ample storage throughout. The garage is a standout feature with epoxy flooring and a custom storage closet, providing both functionality and durability. Ceiling fans throughout the home Provide enhanced comfort and efficiency. Step outside to the spacious backyard, enclosed by a vinyl fence for privacy. With plenty of room for entertaining, outdoor activities, or a future pool, this backyard is a blank slate ready for personalization. Located just minutes from St. Cloud’s best dining, shopping, and entertainment, this home offers both convenience and tranquility. Nearby favorites include Fiesta Azul Tequila House, Bella Roma Pizza, and the Downtown Entertainment District, while Orlando Health St. Cloud Hospital is a short drive away. Don’t miss the opportunity to own this beautifully upgraded home with an unbeatable 2.25 assumable FHA loan—schedule your showing today! ****All furnishings as seen in the photos (minus personal items) are available for purchase in a bill of sale, separate from the home itself***The seller is willing to replace all the carpet upstairs upon move-out***

Details

Property type

Single Family Residence

Est. home value

$444,225

Lot size

6,098 sq ft

Price per sq ft

$199

Year built

2020

Annual property taxes

$4,085.68

Monthly HOA fee

$70

Price History

03/06/2025
StellarMLS

StellarMLS #O6287367

Listed
$440,000
+32.01%
09/20/2022
StellarMLS

StellarMLS #J953220

Sold
$333,300
01/05/2021
StellarMLS

StellarMLS #L4916479

Sold
$333,294

Schools & Community

Elementary school: 

Narcoossee Elementary

Middle school: 

Narcoossee Middle

High school: 

Harmony High

Negotiation Insights

Before you make an offer, understand who you are negotiating with so you can tailor your negotiation strategy to their situation.

Seller could get up to

$114,794
Asking price
$440,000
Closing costs (~8% of asking)
-$35,200
Est. remaining loan balance
-$290,006
Cash to seller
$114,794

This is an estimate of how much the seller could receive at closing after paying off the outstanding mortgage.

Seller’s Loan History

Lender

Home Solution Lenders Inc

Loan start date

January 2021

Original loan amount

$320,512

Est. remaining balance

$290,006

Interest rate

2.72%

Loan type

FHA, 30 year

Seller

Mario Alejandro Duran Sosa and Yessica Garcia Gomez

Source: Public records data

If you're the owner, you can request to remove loan details. Email listingsupport@tomo.com

How insights can help you

Interest rate

If the seller has a low interest rate, they may be tempted to rent the property out if they can't get the price they have in mind.

Motivation

If the seller already got a job in a different city, they may feel pressure to sell quickly to free up cash for a new home.

Equity

If the seller stands to receive a large amount of cash when they sell the property, they might be willing to negotiate on the offer price.

Interested in learning more?

Status: Active

Tomo last checked: 03/06/2025 at 2:30 PM

Listing updated: 03/06/2025 at 11:00 AM

Listed by: Jessica Snyder, LPT REALTY, LLC Phone #: (877) 366-2213

MLS: StellarMLS #O6287367

StellarMLS logo

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