Does this property have an HOA?

Yes. The HOA fee is $600 per month.

What are the annual property taxes?

Annual property taxes are $5,682 (2026).

What school district is this property in?

This property is in the 742 - St. Cloud school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 0 days.

Listed at

$390,000

$114/sqft

Mill Creek

1234 Mill Creek Circle, Saint Cloud, MN, 56303

5 Bedrooms4 Bathrooms3,432 Square Feet0.4 Acres

Days on market0

Year built1996

Garage spaces3

HOA / month$600

TypeResidential

Est. $8,700buyer credit when you buy with SODL

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About this home

Space, style, and incredible outdoor living come together in this beautifully updated 5-bedroom, 4-bathroom two-story home with a 3-car garage! Step inside to discover sun-filled living spaces, refinished hardwood floors, a cozy fireplace, private office, and an updated kitchen featuring granite countertops, stainless steel appliances, and a built-in wine rack. Upstairs, you'll find four spacious bedrooms, including a primary suite with a walk-in closet and private bath with soaking tub and separate shower. The finished lower level is perfect for entertaining or everyday living, offering a large recreation room, fully equipped kitchenette, fifth bedroom, bathroom, and two versatile bonus rooms. The impressive features continue outdoors! Enjoy a maintenance-free deck, stamped concrete patio, and screened cedar gazebo overlooking a beautiful wooded backyard. Major improvements include a hail-resistant roof, high-efficiency furnace and A/C, remodeled bathrooms, new water heater, and added attic insulation. Conveniently located near parks, trails, pickleball courts, neighborhood pool, shopping, and dining, this home offers an incredible combination of space, updates, and outdoor enjoyment!

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Date

Oct 17, 2026

Time

3pm – 5pm

Address

1234 Mill Creek Circle, Saint Cloud, MN, 56303

Listed By: Keller Williams Classic Rlty NW • NST7160923 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1996

LevelsTwo

Living area3,432 sqft

Above-grade finished2,236 sqft

Below-grade finished1,196 sqft

Lot size0.4 acres (121x164x80x174)

Days on market0

ListedOct 15, 2026

MLS #NST7160923

CountyStearns

SubdivisionMill Creek

Parcel #82486880033

Facts & features

Interior

Bedrooms: 5
Bathrooms: 4
Bath breakdown: 1 full / 2 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories: Two
Garage: 3 spaces · 792 sqft
Parking features: Attached Garage, Concrete, Garage Door Opener
Patio & porch: Composite Decking, Deck, Front Porch, Patio, Porch, Screened
Exterior features: Stone, Vinyl
Pool: Shared

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,260 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1996

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

Subdivision: Mill Creek
HOA: $600/annual
HOA name: Mill Creek HOA
HOA phone: 3202923766
HOA includes: Shared Amenities
HOA amenities: Other

Financial & listing details

Annual tax: $5,682 (2026)
Listed: Oct 15, 2026
Days on market: 0 · 79 cumulative
Manufactured home: Yes

Interior details

Total bathrooms4

Full baths1

3/4 baths2

Half baths1

1/4 baths0

BasementBlock, Egress Window(s), Finished, Full, Kitchenette, Sump Pump

HeatingForced Air

CoolingCentral Air

Fireplaces2

LaundryElectric Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup

AppliancesDishwasher, Disposal, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

DiningBreakfast Bar, Kitchen/Dining Room, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Exercise Room, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Porch, Tile Floors, Washer/Dryer Hookup, Wet Bar, Walk-In Closet

AccessibilityNone

Special features3 BR on One Level, 4 BR on One Level, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl

RoofAge Over 8 Years, Asphalt

FoundationBlock

Foundation area1,260 sqft

Patio/porchComposite Decking, Deck, Front Porch, Patio, Porch, Screened

Lot featuresTree Coverage - Medium

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener

Garage spaces3

Garage size792 sqft

Financial details

Annual taxes$5,682

Tax year2026

Taxes w/ assessments5682

Assessment pendingNo

HOA fee$600

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$8,700Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,700

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.

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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

$3,253/mo

Principal & interest$2,050

Property taxes$474

Home insurance (est.)$130

HOA fees$600

Down payment

$78,000

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.