Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $5,280 (2025).

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property was listed for 129 days.

Pending

$485,000

$167/sqft

Bear Ridge First Add

1933 38th Street, Saint Cloud, MN, 56301

4 Bedrooms3 Bathrooms2,900 Square Feet0.301 Acres

Days on market129

Year built2021

Garage spaces3

TypeResidential

Est. $11,550buyer credit when you buy with SODL

About this home

WHAT A GREAT PLACE TO CALL HOME! .31 City Lot. A beautiful kitchen offers custom Poplar cabinets with Samsung black stainless steel appliances, walk in pantry, 8 foot center island w/granite counters that is perfect for kitchen prep or gathering around as well as a dining room. Patio doors (design your own deck) overlooks backyard and NO neighbors. The adjoining dining area and living room are perfect for entertaining, highlighted by vaulted ceilings, LVP flooring, and a electric fireplace with a beautiful stone surround. Main floor private en suite is spacious, bathroom with dual sinks, step in tile shower and walk in closet with lots of natural light. Other side of the home is another bedroom and full bathroom. Main floor laundry offers more storage, sink and hanging rack. Mudroom offers message center & walk in closet. The basement is complete with walkout patio door, tasteful finishes, 2 spacious bedrooms, WIC, and 3/4 bathroom, another room to be used as office/craft/workout room. The wonderful open floor plan, abundance of windows, and 9' ceilings give this home a bright and open feel, rounded corners, pocket door, 2900 sq ft finished, front porch & rear patio. Vinyl siding, CA, gutters, sprinkler system, insulated garage with storage, floor drain and window, concrete driveway. Easy access to Hwy 15 and I94

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built2021

LevelsOne

Living area2,900 sqft

Above-grade finished1,582 sqft

Below-grade finished1,318 sqft

Lot size0.301 acres (75x174)

Days on market129

ListedOct 25, 2025

MLS #NST6802812

CountyStearns

SubdivisionBear Ridge First Add

Parcel #82443370908

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 1 full / 2 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer

Property

Levels / stories: One
Garage: 3 spaces · 34x24 · 816 sqft
Parking features: Attached Garage, Concrete, Electric, Floor Drain, Garage Door Opener, Insulated Garage, Storage
Patio & porch: Front Porch, Patio
Pool: None
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Concrete, Frame
Foundation: 1,582 sqft
Roof: Age 8 Years or Less, Architectural Shingle
Year built: 2021

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 200+ Amp Service

Community & HOA

Subdivision: Bear Ridge First Add
HOA: No HOA
School district: St. Cloud

Financial & listing details

Annual tax: $5,280 (2025)
Listed: Oct 25, 2025
Days on market: 129
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths2

Half baths0

1/4 baths0

BasementDaylight/Lookout Windows, Drain Tiled, Finished, Full, Storage Space, Sump Basket, Sump Pump, Walkout

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level, Sink

AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer

DiningKitchen/Dining Room

AmenitiesKitchen Center Island, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Paneled Doors, Porch, In-Ground Sprinkler, Walk-In Closet

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less, Architectural Shingle

Foundation area1,582 sqft

Patio/porchFront Porch, Patio

Lot featuresTree Coverage - Light

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

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Electric, Floor Drain, Garage Door Opener, Insulated Garage, Storage

Garage spaces3

Garage size816 sqft

Financial details

Annual taxes$5,280

Tax year2025

Taxes w/ assessments5280

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2249

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$11,550Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,550

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.

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

$3,151/mo

Principal & interest$2,549

Property taxes$440

Home insurance (est.)$162

Down payment

$97,000

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.