Discover elevated lakefront living in St. Cloud’s Estates at Southern Pines. Welcome to the elegant Ruby II model by Richmond Homes, where style meets comfort in one of Central Florida’s most sought-after communities. This meticulously maintained home offers serene waterfront views with a screened-in patio overlooking a tranquil fountain—ideal for peaceful mornings and sunset evenings. Step inside to find professionally designed finishes that bring sophistication and warmth to every room. Recently enhanced with a privacy fence, the backyard is now perfect for families, pets, or private outdoor enjoyment. Residents enjoy exclusive access to a resort-style community pool and are just minutes from the vibrant shops, restaurants, and conveniences along US-192. Plus, with parks and the St. Cloud Civic Center nearby, outdoor recreation is always within reach. Potential Bonus for Qualified Buyers: This home may qualify for an assumable VA loan with an interest rate as low as 3.375%—a rare opportunity in today’s market. Loan eligibility is pending verification with the current servicer. Don’t miss your chance to live beautifully by the lake in a home that truly stands out. Ask about available lender incentives when working with our preferred lending partner—including appraisal waiver applied at closing.