Andrei Merkulov
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Hot Listing
2815 Shelburne WaySt Cloud, FL 34772
$399,000
baths
2
beds
4
sqft
1,894
6,098 Square Feet Lot
$211/sqft
Built in 2015
Open house hours:
Owner
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Sat 11 am - 1 pm, Sun 11 am - 1 pm
Feel free to contact us for more details!
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What's special
SELLER FINANCING OWNER FINANCING RENT TO OWN LEASE OPTION PURCHASE NO BANK NEEDED OWNER TERMS
Spacious Kitchen • Granite Counters
Cook with space, feel the cool granite under your hands — durable, timeless, ready for every meal
No Rear Neighbors
Privacy backyard. Quiet. No one behind you
Brand-New Roof (2024)
Save up to $15,000 on future roof costs - no replacement needed for 15–20 years
Move In Ready
Fresh, clean, ready today. Just bring your bags
Bonus room
Your choice: one more bedroom, office, guest room, or playroom
🔥 SELLER FINANCING AVAILABLE - NO BANK NEEDED
Rent to own / lease option program
Rent to own / lease option program
- From $15,000 down payment
- Monthly payments starting at $3,000 $2,400/mo depending on program
- Price: from $399,900
🟢 RENOVATED 4-BED HOME WITH BRAND-NEW ROOF 2024 – MOVE-IN READY
Welcome to 2815 Shelburne Way in the family-friendly Gramercy Farms community of St. Cloud (34772). This 4-bedroom, 2-bath single-family home is fully move-in ready with a brand-new roof (2024) and fresh updates.
Inside, enjoy an open floor plan filled with natural light. The kitchen features granite countertops, generous cabinet space, and a functional layout perfect for daily living or entertaining.
A recently enclosed bonus/flex room provides additional space for a home office, guest room, or playroom. The primary suite includes a walk-in closet and private bath, while three additional bedrooms offer comfort and flexibility.
Outside, a fenced backyard with no rear neighbors ensures privacy, with a covered patio ideal for relaxing or hosting. Located minutes from Lake Nona, Medical City, and the Turnpike, this home provides convenience and accessibility.
Community amenities include playgrounds, walking trails, and parks. Seller is offering credit toward buyer’s closing costs—making this home even more affordable. Don’t wait, schedule your showing today!
Welcome to 2815 Shelburne Way in the family-friendly Gramercy Farms community of St. Cloud (34772). This 4-bedroom, 2-bath single-family home is fully move-in ready with a brand-new roof (2024) and fresh updates.
Inside, enjoy an open floor plan filled with natural light. The kitchen features granite countertops, generous cabinet space, and a functional layout perfect for daily living or entertaining.
A recently enclosed bonus/flex room provides additional space for a home office, guest room, or playroom. The primary suite includes a walk-in closet and private bath, while three additional bedrooms offer comfort and flexibility.
Outside, a fenced backyard with no rear neighbors ensures privacy, with a covered patio ideal for relaxing or hosting. Located minutes from Lake Nona, Medical City, and the Turnpike, this home provides convenience and accessibility.
Community amenities include playgrounds, walking trails, and parks. Seller is offering credit toward buyer’s closing costs—making this home even more affordable. Don’t wait, schedule your showing today!
flexible financing options – no bank needed
Text your name and the way you want to buy a house and we will call you back asap.
WHAT’S NEXT
Credit history is not the main factor - what matters most is your debt to income ratio. The buyer with the strongest down payment and financial profile will be approved.
Approval factors: The higher your down payment, the stronger your approval chances. We also look at your overall financial profile and debt to income ratio.
Approval factors: The higher your down payment, the stronger your approval chances. We also look at your overall financial profile and debt to income ratio.
RENT TO OWN FAQ
❓ What is the Rent-to-Own Program?
This program lets you move into your dream home now — even if the bank isn’t ready to approve you yet. You pay a smaller initial amount and get an exclusive right to purchase the home within 2–3 years at a fixed price. You live in the home, make it yours, and can activate Rent Credits so part of each payment builds your future equity.
Program Highlights:
❓ Who owns the home during the program?
The property stays under the owner’s name until you decide to buy.
However, you have full control and exclusive right to purchase it — no one else can buy or rent it during your term.
You live in the home, maintain it like it’s yours, and each payment helps you move closer to ownership.
The property remains legally under the owner’s name during the program, but your purchase rights are protected by a written agreement registered through a title company.
❓ Will I need a second down payment when refinancing?
No. When refinancing, you’re not buying the home again — you’re simply replacing your existing Rent-to-Own agreement with a bank loan.
Your option fee or initial payment already counts as your equity, and any appreciation in the property’s value becomes additional equity.
❓ What additional expenses will there be besides the monthly payment?
You only pay utilities (water, power, internet, trash).
Taxes, insurance, and HOA are included.
❓ What if I decide not to buy the home later?
You can complete your lease term and move out — no penalty beyond the lease itself. This flexibility makes Rent-to-Own a safe and low-risk path toward homeownership.
❓ Can I get financing for more than 2 years?
Yes — some homes qualify for extended terms up to 3 years. A small 2-3 % adjustment is added to the purchase price to reflect average inflation. For example: a $300,000 buyout at 24 months becomes $309,000 for a 36-month term.
❓ Can I buy this home with a bank loan now?
Yes. You can refinance immediately or purchase the home directly through your bank. In that case, you’ll submit an offer including proof of funds for your down payment, a pre-approval letter from your lender.
⚠️ Disclaimer: The information provided above is for educational purposes only and does not constitute legal, tax, or financial advice. Program terms, availability, and qualification requirements may vary by property and individual circumstances.
❓ What is the Rent-to-Own Program?
This program lets you move into your dream home now — even if the bank isn’t ready to approve you yet. You pay a smaller initial amount and get an exclusive right to purchase the home within 2–3 years at a fixed price. You live in the home, make it yours, and can activate Rent Credits so part of each payment builds your future equity.
Program Highlights:
- Lower upfront investment
- All main expenses — taxes, insurance, and HOA — are already included in your monthly payment
- Your payment is fixed for the full term and doesn’t change even if taxes or insurance rise
❓ Who owns the home during the program?
The property stays under the owner’s name until you decide to buy.
However, you have full control and exclusive right to purchase it — no one else can buy or rent it during your term.
You live in the home, maintain it like it’s yours, and each payment helps you move closer to ownership.
The property remains legally under the owner’s name during the program, but your purchase rights are protected by a written agreement registered through a title company.
❓ Will I need a second down payment when refinancing?
No. When refinancing, you’re not buying the home again — you’re simply replacing your existing Rent-to-Own agreement with a bank loan.
Your option fee or initial payment already counts as your equity, and any appreciation in the property’s value becomes additional equity.
❓ What additional expenses will there be besides the monthly payment?
You only pay utilities (water, power, internet, trash).
Taxes, insurance, and HOA are included.
❓ What if I decide not to buy the home later?
You can complete your lease term and move out — no penalty beyond the lease itself. This flexibility makes Rent-to-Own a safe and low-risk path toward homeownership.
❓ Can I get financing for more than 2 years?
Yes — some homes qualify for extended terms up to 3 years. A small 2-3 % adjustment is added to the purchase price to reflect average inflation. For example: a $300,000 buyout at 24 months becomes $309,000 for a 36-month term.
❓ Can I buy this home with a bank loan now?
Yes. You can refinance immediately or purchase the home directly through your bank. In that case, you’ll submit an offer including proof of funds for your down payment, a pre-approval letter from your lender.
⚠️ Disclaimer: The information provided above is for educational purposes only and does not constitute legal, tax, or financial advice. Program terms, availability, and qualification requirements may vary by property and individual circumstances.
- Borrowed funds accepted at closing
- Possible use of retirement funds (401K, pension)
- If only part of the down payment is available, the balance may be covered with additional monthly payments
Down Payment Assistance:
- 24 months (base) → $399,000
- 36 months (extended +2% from base) → $407,000
Step 3. Choose your option term (locks in purchase price)
| Down Payment | Lower Monthly (no equity) | Build Equity (with $250 rent credits) |
|---|---|---|
| $15,000 | $2,600 | $2,700 ($250 goes toward purchase) |
| $20,000 | $2,500 | $2,600 ($250 goes toward purchase) |
| $2,400 | $2,500 ($250 goes toward purchase) |
Lower monthly payments help you save more each month while $250
goes straight toward your future purchase. Your Down Payment and Rent
Credits both reduce the final buyout price and secure your exclusive right
to purchase the home at a fixed price during your lease term.
Any market growth becomes your equity!
goes straight toward your future purchase. Your Down Payment and Rent
Credits both reduce the final buyout price and secure your exclusive right
to purchase the home at a fixed price during your lease term.
Any market growth becomes your equity!
Step 2. Decide: lower payment or build equity
The higher your down payment, the lower your monthly payment.
Step 1. Choose your down payment
Own Your Home — No Bank Needed
Tired of renting? With our simple Rent-to-Own program, you can move in today and start building ownership right away — no banks, no credit checks, no stress.
You choose the home, make affordable monthly payments, and when you’re ready — the home becomes yours.
Move in now. Build equity. Become a homeowner — step by step.
Tired of renting? With our simple Rent-to-Own program, you can move in today and start building ownership right away — no banks, no credit checks, no stress.
You choose the home, make affordable monthly payments, and when you’re ready — the home becomes yours.
Move in now. Build equity. Become a homeowner — step by step.
RENOVATED 4-BED HOME WITH BRAND-NEW ROOF 2024 – MOVE-IN READY
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Feel free to contact us for more details!
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