Does this property have an HOA?

Yes. The HOA fee is $165 per month.

What are the annual property taxes?

Annual property taxes are $2,712 (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 120 days.

Listed at

$285,000

$201/sqft

Clearwater Estates

160 Cardinal Lane, Clearwater, MN, 55320

2 Bedrooms2 Bathrooms1,420 Square Feet4881 Acres

Days on market120

Year built1999

Garage spaces2

HOA / month$165

TypeResidential

Est. $5,550buyer credit when you buy with SODL

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About this home

Updated 2-bed, 2-bath Clearwater Estates patio home featuring 1,420 sq ft of true one-level living. This immaculate home boasts an open-concept layout, natural light, updated flooring and baths, a kitchen with SS appliances, a functional island and ample storage. Large MF primary suite with walk-in closet and shower. A spacious living area opens to a MF deck. Enjoy top-notch association perks: clubhouse, exercise room, outdoor pool, and parkland overlooking the Mississippi River. Quick close is available!

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Date

Aug 15, 2026

Time

3pm – 5pm

Address

160 Cardinal Lane, Clearwater, MN, 55320

Listed By: Edina Realty, Inc • NST7072849 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built1999

LevelsOne

Living area1,420 sqft

Above-grade finished1,420 sqft

Below-grade finished0 sqft

Lot size4881 acres (41x105x51x106)

Days on market120

ListedMay 12, 2026

MLS #NST7072849

CountyWright

SubdivisionClearwater Estates

Parcel #104019003360

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: One
Garage: 2 spaces · 22.5x24 · 540 sqft
Parking features: Attached Garage, Finished Garage, Garage Door Opener, Insulated Garage
Patio & porch: Composite Decking, Deck
Exterior features: Metal
Pool: Shared

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Foundation: Slab · 1,420 sqft
Roof: Age 8 Years or Less
Year built: 1999

Utilities

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

Community & HOA

Subdivision: Clearwater Estates
HOA: $165/month
HOA name: Cities Mngt
HOA phone: 6123818600
HOA includes: Internet, Other, Professional Mgmt, Recreation Facility, Sanitation, Shared Amenities
HOA amenities: Security Building

Financial & listing details

Annual tax: $2,712 (2025)
Listed: May 12, 2026
Days on market: 120
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

AppliancesDishwasher, Dryer, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningLiving/Dining Room

AmenitiesHot Tub, Kitchen Center Island, Kitchen Window, Patio, Porch, In-Ground Sprinkler, Sun Room, Tennis Court

AccessibilityNo Stairs External, No Stairs Internal

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

Exterior & lot

ExteriorMetal

RoofAge 8 Years or Less

FoundationSlab

Foundation area1,420 sqft

Patio/porchComposite Decking, Deck

Lot featuresTree Coverage - Light

Road frontagePaved Streets, Private Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Finished Garage, Garage Door Opener, Insulated Garage

Garage spaces2

Garage size540 sqft

Financial details

Annual taxes$2,712

Tax year2025

Taxes w/ assessments2712

Assessment pendingNo

HOA fee$165

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$5,550Estimated buyer credit

SODL platform fee $3,000Your buyer credit $5,550

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

$1,984/mo

Principal & interest$1,498

Property taxes$226

Home insurance (est.)$95

HOA fees$165

Down payment

$57,000

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.