3161 SETTLERS TRAIL Your Dreams are within Reach with this absolutely charming 3 bedroom, 2 bathroom residence in St. Cloud! This home offers the perfect blend of modern comfort and small-town charm in a beautiful and growing area. As you enter, you'll be greeted by the inviting ambiance of a freshly updated interior, featuring beautiful tiled floors and showered with radiant, natural sunlight cascading in from sliding glass doors, onto a spacious great room. The kitchen is equipped with updated stainless steel appliances and pantry closet. (dishwasher 2022, garbage disposal 2023) The primary suite is a true retreat with a large walk-in closet and en-suite bathroom featuring a garden tub/shower. The split bedroom floor plan ensures privacy plus it also features an office with a barn door for additional privacy and could also double as a 4th bedroom, if the need arises. Step through the sliding glass doors and discover your own private oasis in the large fenced-in backyard for you to create countless memories with endless possibilities. Roof replaced (2017), A/C (2020), Water Heater 2018, Water Softener 2017. Low HOA fees. Explore the variety of dining and shopping options in the vicinity. With multiple golf courses, pickleball courts and shopping options, plus all the theme parks just minutes away, you'll find plenty of activities to suit your lifestyle. This home offers not just a residence, but a lifestyle where you can truly savor the best of Florida living. Don't miss the opportunity to make this sweet gem your home – schedule a showing today and start calling St. Cloud home, today!