Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $1,774 (2025).

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property was listed for 9 days.

Pending

$184,900

$137/sqft

PROSPECT ADDITION

115 23rd Avenue N, Saint Cloud, MN, 56303

3 Bedrooms2 Bathrooms1,353 Square Feet5750 Acres

Days on market9

Year built1948

Garage spaces2

TypeResidential

Est. $2,547buyer credit when you buy with SODL

About this home

Welcome home! A lovely mid-century one family owned 3BR 2BA 1.5 story home. Nestled in convenient located North St. Cloud neighborhood. Impeccably clean & carefully maintained. MAIN LEVEL: Inviting 4 season front porch; Spacious living room w/updated flooring; Cheerful kitchen w/custom wood cabinetry; Two main floor bedrooms (one being used as a dining room); Updated Full Bath; UPPER LEVEL: Large flex space ideal for den, office or exercise area; Bedroom #3 w/built-ins; 1/2 bath; Copious storage. LOWER LEVEL: Entertaining sized family room; Storage room w/abundant cabinets; Laundry/mechanical room. Spacious 2 car garage, beautiful patio area. Lawn irrigation system. Updates and improvements include: 2025 - Well has been sealed 2025 - New garage door opener 2024 - New driveway 2024 - New smart thermostat 2023 - New main level flooring 2022 - New roof and window wraps 2016 - New furnace 2015 - New sewer line to home 2012 - New windows 2011 - New siding This charming home is sure to please you!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1948

LevelsOne and One Half

Living area1,353 sqft

Above-grade finished1,111 sqft

Below-grade finished242 sqft

Lot size5750 acres (46x125)

Days on market9

ListedFeb 12, 2026

MLS #NST7017116

CountyStearns

SubdivisionPROSPECT ADDITION

Parcel #82500620000

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 half
Heating: Baseboard, Forced Air
Cooling: Central Air
Appliances: Dryer, Exhaust Fan, Freezer, Gas Water Heater, Range, Refrigerator, Trash Compactor, Washer

Property

Levels / stories: One and One Half
Garage: 2 spaces · 436 sqft
Parking features: Detached Garage, Asphalt, Electric, Garage Door Opener, No Int Access to Dwelling
Patio & porch: Front Porch, Patio
Lot size: 5750 Square Feet
Lot dimensions: 46x125

Construction

Property type: Residential
Property subtype: Single Family Residence
Foundation: 674 sqft
Roof: Age 8 Years or Less
Year built: 1948

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Electric, Natural Gas
Electric: Circuit Breakers

Community & HOA

Subdivision: PROSPECT ADDITION
HOA: No HOA
School district: St. Cloud

Financial & listing details

Annual tax: $1,774 (2025)
Tax with assessments: 1784
Listed: Feb 12, 2026
Days on market: 9
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths0

Half baths1

1/4 baths0

BasementFull, Storage Space

HeatingBaseboard, Forced Air

CoolingCentral Air

LaundryIn Basement, Electric Dryer Hookup, Lower Level, Washer Hookup

AppliancesDryer, Exhaust Fan, Freezer, Gas Water Heater, Range, Refrigerator, Trash Compactor, Washer

AmenitiesCable, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio, Porch, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom

Exterior & lot

RoofAge 8 Years or Less

Foundation area674 sqft

Patio/porchFront Porch, Patio

Road frontageCity Street, Paved Streets, Sidewalks

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelElectric, Natural Gas

Parking & garage

ParkingDetached Garage, Asphalt, Electric, Garage Door Opener, No Int Access to Dwelling

Garage spaces2

Garage size436 sqft

Financial details

Annual taxes$1,774

Tax year2025

Taxes w/ assessments1784

Assessment pendingUnknown

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2249

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$2,547Estimated buyer credit

SODL platform fee $3,000Your buyer credit $2,547

Buyer-side commission

3.0%

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

$1,181/mo

Principal & interest$972

Property taxes$148

Home insurance (est.)$62

Down payment

$36,980

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.