Does this property have an HOA?

Yes. The HOA fee is $150 per month.

What are the annual property taxes?

Annual property taxes are $4,066 (2025).

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 2-car garage.

How long has this property been on the market?

This property has been listed for 91 days.

Listed at

$314,900

$191/sqft

Clearwater Estates 5

131 Goldfinch Lane, Clearwater, MN, 55320

2 Bedrooms2 Bathrooms1,646 Square Feet0.133 Acres

Days on market91

Year built2000

Garage spaces2

HOA / month$150

TypeResidential

Est. $6,447buyer credit when you buy with SODL

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About this home

Welcome to 131 Goldfinch Lane in Clearwater-where comfort, charm and convenience come together! This thoughtfully updated single-level home is designed for easy living with true slab-on-grade construction and spaces that invite you to relax and gather. Step into the bright eat-in kitchen, beautifully refreshed with new flooring, modern countertops, stylish backsplash, and brand-new stainless steel appliances. Warm oak cabinets add timeless character, while the two-sided gas fireplace connects the main living space to a cozy sunroom with French doors: a perfect spot to sip your morning coffee or enjoy a good book. The primary suite is your retreat, complete with a spacious walk-in closet, new blinds, and a spa-like bathroom featuring a Jacuzzi tub and fresh updates. The second bedroom offers an oversized closet, and a second full bath ensures plenty of space for guests. A convenient laundry room, linen storage, and thoughtful touches throughout make daily living effortless. You'll also love the inviting front porch: a warm welcome for guests and a peaceful spot to watch the world go by-as well as a side patio that's perfect for grilling, entertaining, or enjoying summer evenings outdoors. Peach of mind come with newer roof, steel siding, high-efficiency furnace with heat recovery, newer gas water heater, and owned water softener. The oversized heated 2-car garage with storage above and a hot water boiler for the heated floor is ideal for projects, hobbies, or simply staying warm in the winter. A 5-zone irrigation system keeps your lawn lush and green. This home is part of a welcoming community where you access to a swimming pool, and clubhouse-plus you'll handle your own lawn and snow care, keeping the freedom to manage your property how you like. Whether you're entertaining friends, enjoying quite evenings by the fire, or soaking up sunshine in the sunroom, this home truly offers it all. Don't miss your chance to make it yours-schedule your showing today!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2000

LevelsOne

Living area1,646 sqft

Above-grade finished1,646 sqft

Below-grade finished0 sqft

Lot size0.133 acres (60x90x666x94)

Days on market91

ListedFeb 19, 2026

MLS #NST7023635

CountyWright

SubdivisionClearwater Estates 5

Parcel #104027001030

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air, Fireplace(s), In-Floor Heating
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories: One
Garage: 2 spaces · 28'10x 22'10 · 652 sqft
Parking features: Attached Garage, Heated Garage
Patio & porch: Side Porch
Exterior features: Stone, Metal
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Slab · 1,646 sqft
Roof: Age 8 Years or Less
Year built: 2000

Utilities

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

Community & HOA

Subdivision: Clearwater Estates 5
HOA: $150/month
HOA name: Clearwater Estates 5
HOA phone: 3204934997
HOA includes: Internet, Professional Mgmt, Sanitation, Shared Amenities
School district: 742 - St. Cloud

Financial & listing details

Annual tax: $4,066 (2025)
Listed: Feb 19, 2026
Days on market: 91 · 136 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingForced Air, Fireplace(s), In-Floor Heating

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level

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

DiningKitchen/Dining Room

AmenitiesKitchen Center Island, Main Floor Primary Bedroom, Natural Woodwork, Skylight, In-Ground Sprinkler, Sun Room, Walk-In Closet

AccessibilityNo Stairs Internal

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStone, Metal

RoofAge 8 Years or Less

FoundationSlab

Foundation area1,646 sqft

Patio/porchSide Porch

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Heated Garage

Garage spaces2

Garage size652 sqft

Financial details

Annual taxes$4,066

Tax year2025

Taxes w/ assessments4066

Assessment pendingNo

HOA fee$150

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

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

$2,249/mo

Principal & interest$1,655

Property taxes$339

Home insurance (est.)$105

HOA fees$150

Down payment

$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.