Does this property have an HOA?

Yes. The HOA fee is $232 per month.

What are the annual property taxes?

Annual property taxes are $3,166 (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 125 days.

Listed at

$309,900

$204/sqft

Clearwater Estates 3

183 Cardinal Lane, Clearwater, MN, 55320

2 Bedrooms2 Bathrooms1,516 Square Feet0.155 Acres

Days on market125

Year built2000

Garage spaces2

HOA / month$232

TypeResidential

Est. $6,297buyer credit when you buy with SODL

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About this home

Step into your next home & enjoy all the wonderful comforts of one-level living. Sun filled, open floor plan welcomes you in…nicely maintained & beautifully updated. Eat-in kitchen with separate dining area, custom cabinetry, snack bar & high-end LVP, tastefully accented gas fireplace in the adjoining living room, glass pocket doors separate the formal dining & sunroom providing privacy. Relax on the maint-free deck with new privacy panel fence, Spacious Owners suite w/private full bath & walk-in closet, 2nd bedroom & ¾ Guest Bath, recently installed new tile flooring in the laundry room along with new laundry tub faucet, new gas water heater, upgraded light fixtures in Kitchen, LR & Owner’s suite. Oversized, Heated Garage w/loads of storage. Roof-2022, Siding-2023, refreshed landscape rocks. It doesn’t stop there: Neighborhood amenities…club house, exercise room, outdoor pool, party room and scenic park overlooking the Mississippi River. Move-in Ready!

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built2000

LevelsOne

Living area1,516 sqft

Above-grade finished1,516 sqft

Below-grade finished0 sqft

Lot size0.155 acres (52x108x42x110)

Days on market125

ListedMar 18, 2026

MLS #NST7037857

CountyWright

SubdivisionClearwater Estates 3

Parcel #104022003080

Facts & features

Interior

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

Property

Levels / stories: One
Garage: 2 spaces · 567 sqft
Parking features: Attached Garage, Concrete, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Storage
Patio & porch: Deck
Exterior features: Stone, Steel Siding
Pool: Outdoor, Shared

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Foundation: Slab · 1,516 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Asphalt, Pitched
Year built: 2000

Utilities

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

Community & HOA

Subdivision: Clearwater Estates 3
HOA: $232/month
HOA name: Cities Management
HOA phone: 6123818600
HOA includes: Hazard Insurance, Internet, Other, Professional Mgmt, Recreation Facility, Sanitation, Shared Amenities
HOA amenities: Other

Financial & listing details

Annual tax: $3,166 (2025)
Listed: Mar 18, 2026
Days on market: 125 · 100 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryElectric Dryer Hookup, In Hall, Main Level, Sink, Washer Hookup

AppliancesDishwasher, Disposal, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Rented

DiningBreakfast Bar, Eat In Kitchen, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

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

Exterior & lot

ExteriorStone, Steel Siding

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

FoundationSlab

Foundation area1,516 sqft

Patio/porchDeck

Lot featuresTree Coverage - Medium, Underground Utilities

Road frontagePaved Streets, Private Road

Road responsibilityAssociation Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Storage

Garage spaces2

Garage size567 sqft

Financial details

Annual taxes$3,166

Tax year2025

Taxes w/ assessments3166

Assessment pendingNo

HOA fee$232

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$6,297Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,297

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

$2,228/mo

Principal & interest$1,629

Property taxes$264

Home insurance (est.)$103

HOA fees$232

Down payment

$61,980

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.