Listed at
$444,000
$159/sqft

Centennial

1241 12th Avenue N, Saint Cloud, MN, 56303
5  Bedrooms3  Bathrooms2,793  Square Feet0.27  Acres
Days on market0
Year built1962
Garage spaces2
TypeResidential
Est. $10,320buyer credit when you buy with SODL
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About this home

Professionally designed, this fully custom-remodeled 5-bedroom, 3-bath home offers an exceptional combination of luxury, functionality, and flexibility. With almost 3,000 finished square feet, both the main level and fully finished basement provide genuine livable space, including kitchen and laundry facilities on each level. The main level features engineered hardwood flooring, custom cabinetry, Taj Mahal quartzite, and beautifully appointed living spaces, along with a stunning primary suite. The spa-inspired ensuite showcases Carrara marble and a dual-headed walk-in shower, creating a luxurious private retreat. Two additional full bathrooms feature marble and limestone tile. Two wood-burning fireplaces and a gas fireplace add warmth and character throughout the home. The finished lower level is a standout feature, offering a full kitchen, laundry, two bedrooms, bathroom, living area, and separate exterior entrance to the garage. This flexible space is ideal for multigenerational living, guests, or a potential opportunity for additional rental income while maintaining privacy between living areas. Extensive updates include plumbing, electrical, maintenance-free windows and roof. A new cedar deck overlooks the expansive, private backyard with mature trees. A heated two-car garage provides year-round comfort, storage, and workspace. Additional staircase to basement in garage. Ideally located near St. Cloud Hospital and Centennial Park, this home offers convenient access to healthcare, recreation, parks, trails, and the surrounding St. Cloud community. Thoughtfully designed. Beautifully finished. Exceptionally versatile. A rare opportunity to own a luxury custom home with the flexibility to accommodate extended family, guests, or potential rental income in a highly convenient location.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1962
LevelsOne
Living area2,793 sqft
Above-grade finished1,549 sqft
Below-grade finished1,244 sqft
Lot size0.27 acres (80x140x87x142)
Days on market0
ListedSep 28, 2026
MLS #NST7151534
CountyStearns
SubdivisionCentennial
Parcel #82449220000

Facts & features

Interior

Bedrooms
5
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
One
Garage
2 spaces · 26x24 · 624 sqft
Parking features
Attached Garage, Concrete, Heated Garage
Patio & porch
Deck
Exterior features
Stone, Wood
Fencing
Partial, Wood

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,549 sqft
Roof
Asphalt
Year built
1962

Utilities

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

Community & HOA

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

Financial & listing details

Annual tax
$3,491 (2026)
Listed
Sep 28, 2026
Days on market
0
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementEgress Window(s), Finished, Full
HeatingForced Air
CoolingCentral Air
Fireplaces3
LaundryLower Level, Main Level
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
DiningBreakfast Bar, Informal Dining Room
AmenitiesDeck, Exercise Room, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Sun Room, Tile Floors, Wet Bar
AccessibilityNone
Special features3 BR on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Wood
RoofAsphalt
FoundationBlock
Foundation area1,549 sqft
Patio/porchDeck
Lot featuresTree Coverage - Medium
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Heated Garage
Garage spaces2
Garage size624 sqft

Financial details

Annual taxes$3,491
Tax year2026
Taxes w/ assessments3491
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District742 - St. Cloud
District number742
District phone3202539333
High schoolSt. Cloud
SODL flat fee brokerage
$10,320Estimated buyer credit
SODL platform fee $3,000Your buyer credit $10,320

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

$2,772/mo
Principal & interest$2,333
Property taxes$291
Home insurance (est.)$148
%
$88,800
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

1241 12th Avenue N, Saint Cloud, MN, 56303

Listing information

MLS #NST7151534
StatusActive
Last updatedSep 30, 2026, 10:09 AM
Originally listedSep 30, 2026, 12:00 AM
Listing officeAgency North Real Estate, Inc

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.