Located just 7 blocks from the St. Cloud Lakefront in the heart of downtown St. Cloud, this rare property sits on nearly 3/4 of an acre and offers a versatile layout with a detached in law suite, a detached 2 car garage, and no HOAan opportunity you dont come across often. The main home features 3 bedrooms and 2.5 bathrooms, filled with natural light throughout. The living room is warm and inviting, complete with built in shelving and cabinetry, and flows directly into the kitchen through a convenient serving windowperfect for everyday living and easy entertaining. The kitchen is equipped with ample cabinet and counter space along with all essential appliances. The primary suite is privately positioned and offers a spacious retreat with a walk in closet and an attached bathroom featuring dual vanities, abundant storage, and a large walk in tiled shower. The additional bedrooms are similar in size and layout, each offering great natural light and flexibility. Step outside to enjoy both front and rear covered patios, giving you comfortable outdoor living spaces year round. The fully fenced backyard is expansive, offering plenty of room for gatherings, pets, or simply enjoying the privacy and space that nearly 0.67 acres provides. The detached in law suite adds incredible flexibility, featuring 2 bedrooms, 2 bathrooms, a full kitchen, and a living area. Whether used for multi generational living, guests, or income potential, this space is ready to meet a variety of needs. The primary bedroom includes dual closets and an en suite bathroom with additional access for guests, while the second bedroom is positioned for privacy on the opposite side with a private attached bathroom. Completing the property is a detached 2 car garage, offering secure parking, additional storage, or space for hobbies and workspace needs. With no HOA restrictions and a prime location just minutes from the lakefront, downtown amenities, major roads, and daily conveniences, this property offers space, flexibility, and location all in one.