This property in the City of St. Cloud, one of the few remaining lots available for building, presents a unique opportunity for custom home construction or investment. Here are the key highlights to consider:

Rare Opportunity: The property is described as one of the only properties left in the City of St. Cloud where you can build a custom home. Such opportunities can be increasingly rare in established areas.

No HOA: The absence of a homeowners' association (HOA) means that there are no associated fees or restrictions on how you can use or develop the property. This provides flexibility and autonomy for your plans.

No Time Restrictions: There are no time restrictions to commence construction after purchasing the property. This can be advantageous if you're not in a hurry to build and want to hold onto the land for future development.

Central Location: Situated between two existing houses, the lot enjoys a central and desired location in St. Cloud. Its proximity to the St. Cloud Lakefront and downtown St. Cloud makes it convenient for accessing amenities and recreational areas.

Cleared Lot: The fact that the lot is cleared and ready for construction can save you time and expense in site preparation.

Owner Financing: The option for owner financing with around $50,000 down payment is available. This can be beneficial if you prefer a financing arrangement directly with the owner.

Overall, this property offers an opportunity to customize a home or make a strategic investment in a desirable location in St. Cloud. If interested, reaching out to the owner or a real estate agent for more information and a viewing is advisable.