Listed at
$174,900
$171/sqft

HIGHLAND PARK ADDN

126 20th Avenue, Saint Cloud, MN, 56303
2  Bedrooms2  Bathrooms1,023  Square Feet0.12  Acres
Days on market18
Year built1948
Garage spaces1
TypeResidential
Est. $2,247buyer credit when you buy with SODL
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About this home

Move-in ready and truly turnkey, this clean, well cared for one-story home in a quiet Saint Cloud neighborhood is ready for its next owner. Everything has already been done for you: brand new roof (9/26), newer siding, new carpet, new water heater, new stove, all stainless steel appliances, fresh paint, and new appliances throughout. The finished lower level adds valuable extra living space and includes convenient storage, along with your own washer and dryer right in the home. No more hauling laundry to the laundromat! With 2 bedrooms and 2 bathrooms, this home offers more than the square footage suggests. Park with ease in the attached one car garage, and step outside to your very own three-quarter fenced backyard, a private space that's truly yours to garden in, grill in, and enjoy without sharing it the way you would in a rental. Located close to shopping in a peaceful, established neighborhood. Quick closing is possible. If you're coming from a rental, this is your chance to trade laundromat trips, thin walls, and shared outdoor space for a place that's truly your own. There are loan programs available for qualifying first-time buyers with as little as 3% down, so if you've been paying rent, it may be worth exploring whether owning could actually cost less and start building equity for you instead of your landlord. Schedule your showing today

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1948
LevelsOne
Living area1,023 sqft
Above-grade finished624 sqft
Below-grade finished399 sqft
Lot size0.12 acres (127x40)
Days on market18
ListedSep 8, 2026
MLS #NST7140604
CountyStearns
SubdivisionHIGHLAND PARK ADDN
Parcel #82473760000

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
None
Appliances
Dryer, Gas Water Heater, Range, Refrigerator, Washer

Property

Levels / stories
One
Garage
1 space · 20x9 · 180 sqft
Parking features
Detached Garage, Garage Door Opener, Storage
Exterior features
Wood
Fencing
Chain Link, Partial, Wood
Lot size
0.12 acres

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block
Foundation
Block · 624 sqft
Roof
Age 8 Years or Less
Year built
1948

Utilities

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

Community & HOA

Subdivision
HIGHLAND PARK ADDN
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$1,584 (2026)
Listed
Sep 8, 2026
Days on market
18
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Storage Space
HeatingForced Air
CoolingNone
LaundryIn Basement, Electric Dryer Hookup, Laundry Room
AppliancesDryer, Gas Water Heater, Range, Refrigerator, Washer
AmenitiesCeiling Fan(s), Kitchen Window, Main Floor Primary Bedroom, Paneled Doors, Washer/Dryer Hookup
AccessibilityNone
Special featuresMain Floor Bedroom

Exterior & lot

ExteriorWood
RoofAge 8 Years or Less
FoundationBlock
Foundation area624 sqft
Road frontageCity Street, Sidewalks
Road responsibilityPrivate Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Garage Door Opener, Storage
Garage spaces1
Garage size180 sqft

Financial details

Annual taxes$1,584
Tax year2026
Taxes w/ assessments1584
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
$2,247Estimated buyer credit
SODL platform fee $3,000Your buyer credit $2,247

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

$1,109/mo
Principal & interest$919
Property taxes$132
Home insurance (est.)$58
%
$34,980
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

126 20th Avenue, Saint Cloud, MN, 56303

Listing information

MLS #NST7140604
StatusActive
Last updatedSep 15, 2026, 7:51 PM
Originally listedSep 11, 2026, 12:00 AM
Listing officeColdwell Banker Realty

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.