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 $2,460 (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 1-car garage.

How long has this property been on the market?

This property has been listed for 67 days.

Listed at

$215,000

$140/sqft

Losos 4th Add

20 2nd Avenue, Saint Joseph, MN, 56374

3 Bedrooms1 Bathroom1,534 Square Feet0.11 Acres

Days on market67

Year built1940

Garage spaces1

TypeResidential

Est. $3,450buyer credit when you buy with SODL

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About this home

Welcome to this charming 1-1/2 story home located in the desirable community of St. Joseph! This property features 3 bedrooms, 1 bathroom, and a convenient one-car attached garage. Recent updates provide peace of mind, including a new roof in 2022, updated siding, updated windows, and an updated furnace. The functional layout offers plenty of character and comfortable living space, making it a great fit for anyone looking to enjoy small-town living with easy access to local amenities, parks, and schools. Don’t miss this opportunity to own a home in the heart of St. Joseph!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1940

LevelsOne and One Half

Living area1,534 sqft

Above-grade finished1,534 sqft

Below-grade finished0 sqft

Lot size0.11 acres (50x100)

Days on market67

ListedJun 12, 2026

MLS #NST7092090

CountyStearns

SubdivisionLosos 4th Add

Parcel #84536710000

Facts & features

Interior

Bedrooms: 3
Bathrooms: 1
Bath breakdown: 1 full
Heating: Forced Air
Cooling: Window Unit(s)
Appliances: Dishwasher, Range, Refrigerator

Property

Levels / stories: One and One Half
Garage: 1 space · 12x21 · 252 sqft
Parking features: Attached Garage
Patio & porch: Covered, Front Porch, Patio
Exterior features: Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Slab · 1,202 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Asphalt
Year built: 1940

Utilities

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

Community & HOA

Subdivision: Losos 4th Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $2,460 (2026)
Tax with assessments: 2468
Listed: Jun 12, 2026
Days on market: 67 · 38 cumulative
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths1

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingWindow Unit(s)

LaundryElectric Dryer Hookup, Main Level, Washer Hookup

AppliancesDishwasher, Range, Refrigerator

DiningKitchen/Dining Room

AmenitiesCeiling Fan(s), Main Floor Primary Bedroom, Patio, Porch, Vaulted Ceiling(s), Washer/Dryer Hookup

AccessibilityNone

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

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Architectural Shingle, Asphalt

FoundationSlab

Foundation area1,202 sqft

Patio/porchCovered, Front Porch, Patio

Lot featuresTree Coverage - Light

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage

Garage spaces1

Garage size252 sqft

Financial details

Annual taxes$2,460

Tax year2026

Taxes w/ assessments2468

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$3,450Estimated buyer credit

SODL platform fee $3,000Your buyer credit $3,450

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

$1,407/mo

Principal & interest$1,130

Property taxes$205

Home insurance (est.)$72

Down payment

$43,000

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.