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***