Does this property have an HOA?

Yes. The HOA fee is $165 per month.

What are the annual property taxes?

Annual property taxes are $3,326 (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 181 days.

Listed at

$284,900

$162/sqft

Clearwater Estates

165 Cardinal Lane, Clearwater, MN, 55320

3 Bedrooms2 Bathrooms1,754 Square Feet0.108 Acres

Days on market181

Year built1997

Garage spaces2

HOA / month$165

TypeResidential

Est. $5,547buyer credit when you buy with SODL

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About this home

Welcome to Clearwater Estates! This large three bedroom, two-bathroom patio home features 1754 Sq Feet of finished living area all on one level. Total open floor plan featuring a spacious LR/FR with access to the deck, kitchen with large island and lots of cabinets and a sun filled breakfast nook with a bay window. The large MF primary suite features a 3/4 bath and large walk-in closet. There are two other MF bedrooms one of which is being used as an office with built in desk. This home also comes with many perks such as gathering with friends and neighbors at the clubhouse, utilize the exercise room, swim or sit by the outdoor pool or enjoy a walk at the park overlooking the beautiful Mississippi River. Seller is motivated. Quick close possible.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1997

LevelsOne

Living area1,754 sqft

Above-grade finished1,754 sqft

Below-grade finished0 sqft

Lot size0.108 acres (46 x 99 x 50 x 100)

Days on market181

ListedMar 13, 2026

MLS #NST7034984

CountyWright

SubdivisionClearwater Estates

Parcel #104019003320

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 23x 22 · 528 sqft
Parking features: Attached Garage, Insulated Garage
Patio & porch: Composite Decking, Deck
Exterior features: Aluminum Siding
Waterfront: Association Access

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Slab · 1,754 sqft
Year built: 1997

Utilities

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

Community & HOA

Subdivision: Clearwater Estates
HOA: $165/month
HOA name: Cities Management
HOA phone: 6123818600
HOA includes: Internet, Other, Professional Mgmt, Recreation Facility, Sanitation, Shared Amenities
School district: 742 - St. Cloud

Financial & listing details

Annual tax: $3,326 (2025)
Listed: Mar 13, 2026
Days on market: 181 · 148 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

LaundryLaundry Room, Main Level

AppliancesDishwasher, Disposal, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer

DiningBreakfast Area, Informal Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Paneled Doors, Washer/Dryer Hookup

AccessibilityNo Stairs External, No Stairs Internal

Exterior & lot

ExteriorAluminum Siding

FoundationSlab

Foundation area1,754 sqft

Patio/porchComposite Decking, Deck

Lot featuresTree Coverage - Light

Road frontagePrivate Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Insulated Garage

Garage spaces2

Garage size528 sqft

Financial details

Annual taxes$3,326

Tax year2025

Taxes w/ assessments3326

Assessment pendingUnknown

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

$5,547Estimated buyer credit

SODL platform fee $3,000Your buyer credit $5,547

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

$2,034/mo

Principal & interest$1,497

Property taxes$277

Home insurance (est.)$95

HOA fees$165

Down payment

$56,980

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.