Here's your opportunity to own a beautiful home in the desirable Pine Lake Estates community, with NO HOA or CDD! This charming 3 bedroom, 2 bathroom home with a 2 car garage is perfectly situated on a quiet cul-de-sac and features an oversized lot with mature trees that provide wonderful shade and perfect for relaxing in your future hammock. Enjoy the cozy screened enclosed front porch, ideal for morning coffee or unwinding in the evenings. Inside, you'll love the warmth of hardwood flooring throughout the main living areas, with tile in the kitchen and bathrooms for easy maintenance. The kitchen is well appointed with granite countertops, a tile backsplash, appliances, a breakfast bar, and a spacious closet pantry. The dining area offers flexibility to dine indoors or step outside through sliding glass doors to the screened enclosed rear porch, great for entertaining or enjoying Florida living year round. The owner's suite features a large closet, dual sink vanity, and a tub & shower combination for comfort and convenience. Major updates provide peace of mind, including a new roof (2018), HVAC system (2023), dishwasher (2025), and water heater (2021). Plus, the garage ceiling is currently being refinished, adding even more value. Don't miss this fantastic opportunity to own a well maintained home with space, charm, and no added community fees! Pine Lake Estate has recreation access to the St. Cloud Civic Center (pool, playgrounds, sports fields) and 2 miles from Lakefront Park (beach, marina, fishing). Close to 58-acre Peghorn Nature Park and Trails (hiking, historic village) and Twin Oaks Conservation Area (horseback riding). Near Crosscreek Village (shopping/dining) and less than a mile from Orlando Health St. Cloud Hospital. Easy access to U.S. 192, Florida's Turnpike, and LYNX bus services for commuting to Orlando and attractions. Don't wait, call today for a private showing!