Back on the market due to buyer financing — no fault of the property. Motivated seller offering buyer concessions, which may be applied toward closing costs or an interest rate buy-down — a great opportunity for buyers looking to reduce upfront expenses. Unique financing opportunity: buyers may benefit from a blended lower competitive interest rate by assuming the current FHA mortgage and combining it with a second loan through American Funding. Contact listing agent for additional details and qualification requirements. Move-in ready and fully upgraded 4-bedroom, 2-bathroom home in Hanover Square, St. Cloud. This spacious 2,328 sq ft single-story home has been well cared for and features numerous energy-efficient and practical upgrades designed for comfortable, low-maintenance living. Unlike many new construction homes, this property already includes many owner-installed upgrades that buyers often have to add after closing, saving time, money, and the hassle of future installations. Energy-conscious buyers will appreciate the home's efficiency features, including a solar panel system with a transferable lease and fixed monthly payments, helping provide predictable energy costs. The current owner reports average energy expenses of approximately $230/month supporting usage for a household of 6–8 occupants. Additional efficiency features include a high-efficiency inverter water heater with heat pump technology that uses ambient air from the garage to heat water, and an air conditioning system equipped with UV light to help improve indoor air quality. The home also includes a whole-home water filtration system with softener, ensuring high-quality water throughout the house. Inside, the home features modern 12x24 tile flooring throughout, granite countertops throughout, and an open-concept layout connecting the kitchen, dining, and living areas, creating a welcoming space for everyday living and entertaining. A versatile flex area just beyond the main living room provides the perfect space for a home office, playroom, or additional lounge area. Additional upgrades include a glass-enclosed shower in the primary bathroom, screened-in lanai with retractable electric awning, extra cabinetry in the laundry room, and epoxy flooring with built-in shelving in the garage. The fully fenced backyard provides a private outdoor space ideal for outdoor playtime, pets, and entertaining. The yard also features mature tropical fruit trees including mango, guanabana, and acerola, bringing natural Florida beauty and seasonal harvests. Located directly across from the community pool, this home offers convenient access to neighborhood amenities while providing space, smart upgrades, energy efficiency, and long-term value in the desirable Hanover Square community.