Does this property have an HOA?

Yes. The HOA fee is $230.37 per month.

What are the annual property taxes?

Annual property taxes are $3,054 (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 2.5-car garage.

How long has this property been on the market?

This property has been listed for 62 days.

Listed at

$293,158

$184/sqft

Clearwater Estates

158 Cardinal Lane, Clearwater, MN, 55320

2 Bedrooms2 Bathrooms1,595 Square Feet0.12 Acres

Days on market62

Year built1995

Garage spaces2.5

HOA / month$230.37

TypeResidential

Est. $5,795buyer credit when you buy with SODL

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About this home

Welcome to easy-care living in the highly desirable Clearwater Estates Association! This beautifully maintained and tastefully decorated 2-bedroom, 2-bath home offers the perfect blend of comfort, style, and convenience. The spacious open floor plan features a large kitchen with granite countertops, a charming breakfast nook, and a separate dining area that's ideal for entertaining. Relax in the inviting living room or enjoy the flexibility of the generous den, perfect for a home office, reading room, or hobby space. The oversized primary suite provides a private retreat with ample space to unwind. Every room has been thoughtfully cared for, making this home truly move-in ready. There is a lovely patio area as well as a welcoming sitting area at the front of the home, providing the perfect places to relax and enjoy beautiful days. Whether you're looking for a quiet spot to read a book, sip your morning coffee, or enjoy an outdoor dinner with family and friends, these inviting outdoor spaces offer the perfect setting. You'll also appreciate the extra garage space, complete with a third "golf cart" door—ideal for additional storage, lawn equipment, or your golf cart. As part of the welcoming Clearwater Estates Association, you'll enjoy access to a clubhouse and recreation areas, fostering an active and friendly lifestyle. Conveniently located just minutes from I-94, shopping, restaurants, park, and the beautiful Mississippi River, this home offers exceptional comfort in a prime location. Come experience carefree living at its finest in Clearwater Estates!

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built1995

LevelsOne

Living area1,595 sqft

Above-grade finished1,595 sqft

Below-grade finished0 sqft

Lot size0.12 acres (45x101x57x109)

Days on market62

ListedJul 28, 2026

MLS #NST7116877

CountyWright

SubdivisionClearwater Estates

Parcel #104019003380

Facts & features

Interior

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

Property

Levels / stories: One
Garage: 2.5 spaces · 22 x 24 · 528 sqft
Parking features: Attached Garage, Asphalt, Shared Driveway, Electric, Garage Door Opener, Insulated Garage, Storage
Patio & porch: Composite Decking, Deck, Patio
Exterior features: Stone, Metal
Fencing: Partial, Vinyl

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Construction materials: Concrete
Foundation: Block · 1,595 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Asphalt, Pitched
Year built: 1995

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Clearwater Estates
HOA: $230.37/month
HOA name: Cities Managment
HOA phone: 6123818600
HOA includes: Cable TV, Hazard Insurance, Internet, Other, Professional Mgmt, Recreation Facility, Sanitation, Shared Amenities
School district: 742 - St. Cloud

Financial & listing details

Annual tax: $3,054 (2026)
Listed: Jul 28, 2026
Days on market: 62 · 49 cumulative
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, Sink

AppliancesDishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningBreakfast Bar, Breakfast Area, Eat In Kitchen, Informal Dining Room, Living/Dining Room

AmenitiesCable, City View, Deck, French Doors, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Paneled Doors, Porch, Security Lights, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStone, Metal

RoofAge 8 Years or Less, Architectural Shingle, Asphalt, Pitched

FoundationBlock

Foundation area1,595 sqft

Patio/porchComposite Decking, Deck, Patio

Lot featuresTree Coverage - Light

Road frontageCity Street, Curbs, Paved Streets, Private Road, Street Lights, Storm Sewer

Road responsibilityAssociation Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Shared Driveway, Electric, Garage Door Opener, Insulated Garage, Storage

Garage spaces2.5

Garage size528 sqft

Financial details

Annual taxes$3,054

Tax year2026

Taxes w/ assessments3054

Assessment pendingNo

HOA fee$230.37

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$5,795Estimated buyer credit

SODL platform fee $3,000Your buyer credit $5,795

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

$2,123/mo

Principal & interest$1,541

Property taxes$255

Home insurance (est.)$98

HOA fees$230

Down payment

$58,632

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.