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 $3,572 (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 5-car garage.

How long has this property been on the market?

This property has been listed for 63 days.

Listed at

$559,900

$207/sqft

Woods Edge 2nd Add

20441 Elmwood Road, Clearwater, MN, 55320

3 Bedrooms2 Bathrooms2,700 Square Feet4.91 Acres

Days on market63

Year built1987

Garage spaces5

TypeResidential

Est. $13,797buyer credit when you buy with SODL

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About this home

What if the best view of your day was waiting at home? This 3 bedroom, 2 bath home sits on nearly 5 wooded acres overlooking Bunt Lake, giving you space to roam, play in the woods, and enjoy every season from spring mornings to snowy winter days. The home offers a 3-stall heated attached garage plus a 2-car detached garage, providing plenty of room for vehicles, a boat, and all the toys that come with lake living. This home also features a convenient walk-out lower level, offering easy access to the backyard and the familyroom offers more room to relax or entertain. The deck is just off the kitchen and you will be able to watch the gorgeous sunsets over the trees.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1987

LevelsOne

Living area2,700 sqft

Above-grade finished1,500 sqft

Below-grade finished1,200 sqft

Lot size4.91 acres (405x375x396x503)

Days on market63

ListedMar 10, 2026

MLS #NST7034359

CountyStearns

SubdivisionWoods Edge 2nd Add

Parcel #19110540014

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Cooktop, Dishwasher, Dryer, Fuel Tank - Owned, Gas Water Heater, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 5 spaces · 16x22 · 352 sqft
Parking features: Attached Garage, Detached Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Deck, Patio
Exterior features: Stone, Cement Board
Other structures: Garage(s)

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Brick/Mortar · 1,500 sqft
Roof: Age 8 Years or Less
Year built: 1987

Utilities

Water: Well
Sewer: Septic System Compliant - Yes
Fuel: Natural Gas

Community & HOA

Subdivision: Woods Edge 2nd Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $3,572 (2025)
Listed: Mar 10, 2026
Days on market: 63 · 215 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Walkout

HeatingForced Air

CoolingCentral Air

LaundryLower Level

AppliancesCooktop, Dishwasher, Dryer, Fuel Tank - Owned, Gas Water Heater, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned

DiningEat In Kitchen, Informal Dining Room, Separate/Formal Dining Room

AmenitiesKitchen Window, Local Area Network, Patio

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom

Exterior & lot

ExteriorStone, Cement Board

RoofAge 8 Years or Less

FoundationBrick/Mortar

Foundation area1,500 sqft

Patio/porchDeck, Patio

Lot featuresIrregular Lot, Tree Coverage - Heavy

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerSeptic System Compliant - Yes

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Detached Garage, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces5

Garage size352 sqft

Financial details

Annual taxes$3,572

Tax year2025

Taxes w/ assessments3572

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

$13,797Estimated buyer credit

SODL platform fee $3,000Your buyer credit $13,797

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

$3,427/mo

Principal & interest$2,943

Property taxes$298

Home insurance (est.)$187

Down payment

$111,980

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.