Listed at
$314,900
$95/sqft

Centennial

1104 23rd Avenue, Saint Cloud, MN, 56303
5  Bedrooms4  Bathrooms3,331  Square Feet0.26  Acres
Days on market57
Year built1962
Garage spaces2
TypeResidential
Est. $6,447buyer credit when you buy with SODL
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About this home

Welcome to 1104 23rd Avenue N—a beautifully maintained home in a desirable north St. Cloud neighborhood. With five spacious bedrooms and three-and-a-half bathrooms, this home offers the perfect combination of comfort, functionality, and room to grow. The thoughtfully designed floor plan features multiple living areas that provide plenty of space for gathering, entertaining, or simply relaxing. Large windows fill the home with natural light, while the spacious bedrooms offer flexibility for a growing family, guests, or a dedicated home office. Step outside to enjoy a generous backyard with plenty of room for entertaining, gardening, or outdoor activities. Located in an established neighborhood close to schools, parks, shopping, restaurants, and major commuter routes, this home offers both convenience and a welcoming community atmosphere.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1962
LevelsTwo
Living area3,331 sqft
Above-grade finished3,043 sqft
Below-grade finished288 sqft
Lot size0.26 acres (82 x 145)
Days on market57
ListedAug 3, 2026
MLS #NST7117471
CountyStearns
SubdivisionCentennial
Parcel #82449540000

Facts & features

Interior

Bedrooms
5
Bathrooms
4
Bath breakdown
1 full / 2 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Cooktop, Dishwasher, Double Oven, Dryer, ENERGY STAR Qualified Appliances, Gas Water Heater, Indoor Grill, Microwave, Refrigerator, Washer

Property

Levels / stories
Two
Garage
2 spaces · 22 x 24 · 528 sqft
Parking features
Attached Garage, Concrete, Garage Door Opener
Patio & porch
Patio
Exterior features
Fiber Board
Fencing
Vinyl

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 832 sqft
Year built
1962

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
150 Amp Service

Community & HOA

Subdivision
Centennial
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$3,524 (2025)
Listed
Aug 3, 2026
Days on market
57
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths1
3/4 baths2
Half baths1
1/4 baths0
BasementBlock, Crawl Space, Partially Finished, Tile Shower
HeatingForced Air
CoolingCentral Air
Fireplaces3
LaundryIn Basement
AppliancesCooktop, Dishwasher, Double Oven, Dryer, ENERGY STAR Qualified Appliances, Gas Water Heater, Indoor Grill, Microwave, Refrigerator, Washer
DiningSeparate/Formal Dining Room
AmenitiesCable, Ceiling Fan(s), French Doors, Hardwood Floors, Main Floor Primary Bedroom, Patio, Porch, Skylight, Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special features4 BR on One Level, Primary Bdr Suite

Exterior & lot

ExteriorFiber Board
FoundationBlock
Foundation area832 sqft
Patio/porchPatio
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener
Garage spaces2
Garage size528 sqft

Financial details

Annual taxes$3,524
Tax year2025
Taxes w/ assessments3524
Assessment pendingUnknown
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District742 - St. Cloud
District number742
District phone3202539333
High schoolSt. Cloud
SODL flat fee brokerage
$6,447Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,447

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,054/mo
Principal & interest$1,655
Property taxes$294
Home insurance (est.)$105
%
$62,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

1104 23rd Avenue, Saint Cloud, MN, 56303

Listing information

MLS #NST7117471
StatusActive
Last updatedSep 19, 2026, 6:10 PM
Originally listedAug 3, 2026, 1:36 PM
Listing officeRice Real Estate Services, LLC

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.