Listed at
$295,000
$186/sqft

Clearwater Estates

157 Cardinal Lane, Clearwater, MN, 55320
2  Bedrooms2  Bathrooms1,586  Square Feet0.113  Acres
Days on market60
Year built1998
Garage spaces2
HOA / month$230
TypeResidential
Est. $5,850buyer credit when you buy with SODL
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About this home

Step inside this beautifully updated home and immediately notice the space, natural light, and comfortable layout. Thoughtful upgrades and exceptional care throughout make this home truly stand out. Nicest home on the block! The spacious open-concept floor plan is bright and inviting, with 9ft ceilings, skylights in both the living room and laundry room adding even more natural light. The beautiful sunroom opens to the deck, creating the perfect place to relax or entertain during the warmer months. When winter arrives, the cozy gas fireplace adds warmth and charm. The kitchen features new attractive countertops, an updated sink and disposal, and some newer appliances. Fresh paint throughout and tasteful décor give the home a clean, move-in-ready feel. The spacious bath also includes a large Jacuzzi tub, perfect for unwinding at the end of the day. You’ll also appreciate the oversized, insulated, and heated 2-car garage with plenty of extra space for storage, hobbies, or even the golf cart. The community offers even more to enjoy, including a community room that can be used for private events, neighborhood gatherings, and special occasions. The community pool is currently being redone and is expected to reopen for next year’s season. Low association fees add to the appeal, and there are also several nice parks nearby for outdoor recreation. A whole calendar of events and meet-ups are provided for community residence. A great way to make friends in the neighborhood of very friendly people. With generous living spaces, numerous updates, abundant natural light, great community amenities, and a truly move-in-ready condition, this home is one you won’t want to miss. Be sure to check out the photos for more details—and ask about the golf cart! Roof and siding new 2022. Metal siding!

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Home facts

Property typeResidential
Property subtype(TH) Side x Side
Year built1998
LevelsOne
Living area1,586 sqft
Above-grade finished1,586 sqft
Below-grade finished0 sqft
Lot size0.113 acres (.12)
Days on market60
ListedJul 30, 2026
MLS #NST7117205
CountyWright
SubdivisionClearwater Estates
Parcel #104019003390

Facts & features

Interior

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

Property

Levels / stories
One
Garage
2 spaces · 22x26 · 572 sqft
Parking features
Attached Garage
Patio & porch
Patio
Exterior features
Stone, Metal, Steel Siding
Pool
Below Ground, Heated

Construction

Property type
Residential
Property subtype
(TH) Side x Side
Construction materials
Frame
Foundation
Slab · 1,586 sqft
Roof
Age 8 Years or Less, Architectural Shingle, Pitched
Year built
1998

Utilities

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

Community & HOA

Subdivision
Clearwater Estates
HOA
$230/month
HOA name
Cities Managment
HOA phone
6123813600
HOA includes
Cable TV, Hazard Insurance, Sanitation, Shared Amenities
HOA amenities
In-Ground Sprinkler System

Financial & listing details

Annual tax
$2,998 (2025)
Listed
Jul 30, 2026
Days on market
60
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementNone
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryLaundry Room
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Water Softener Owned
DiningEat In Kitchen, Separate/Formal Dining Room
AmenitiesCable, Ceiling Fan(s), Deck, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Skylight, In-Ground Sprinkler, Sun Room
AccessibilityNo Stairs External, No Stairs Internal
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Laundry

Exterior & lot

ExteriorStone, Metal, Steel Siding
RoofAge 8 Years or Less, Architectural Shingle, Pitched
FoundationSlab
Foundation area1,586 sqft
Patio/porchPatio
Lot featuresZero Lot Line
Road frontagePrivate Road
Road responsibilityAssociation Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces2
Garage size572 sqft

Financial details

Annual taxes$2,998
Tax year2025
Taxes w/ assessments2998
Assessment pendingNo
HOA fee$230
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District742 - St. Cloud
District number742
District phone3202539333
High schoolSt. Cloud
SODL flat fee brokerage
$5,850Estimated buyer credit
SODL platform fee $3,000Your buyer credit $5,850

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

$2,129/mo
Principal & interest$1,550
Property taxes$250
Home insurance (est.)$98
HOA fees$230
%
$59,000
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.

Location

157 Cardinal Lane, Clearwater, MN, 55320

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Listing information

MLS #NST7117205
StatusActive
Last updatedSep 29, 2026, 12:15 AM
Originally listedJul 30, 2026, 3:05 PM
Listing officeeXp 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.