Listed at
$995,000
$136/sqft

Mill River Estates

2177 Mill Pond Drive, Saint Cloud, MN, 56303
5  Bedrooms5  Bathrooms7,307  Square Feet1.12  Acres
Days on market216
Year built2006
Garage spaces6
HOA / month$600
TypeResidential
Est. $26,850buyer credit when you buy with SODL
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About this home

Experience an unparalleled lifestyle in this masterfully crafted home, boasting over 7,000 finished square feet of versatile living space. The home sits on a remarkable lot that provides sweeping north and west views down the Sauk River, and it includes additional land across the street, plus a perpetual easement for river access through the private wooded property behind the home. This peaceful setting feels like a private sanctuary while remaining conveniently located near Whitney Park, featuring trails, soccer and softball fields, a dog park, and the nearby YMCA and aquatic center. The main floor showcases a massive open great room with an intricately vaulted ceiling, a kitchen loaded with granite countertops, dual wall ovens, and stunning river views, plus formal and informal dining spaces ideal for large gatherings. A gas fireplace anchors the living room, and a four-season room captures serene river views, while a spacious mudroom and convenient main-floor laundry add everyday functionality. Upstairs, three bedrooms include an expansive primary suite with a gas fireplace, a private sitting room overlooking the river, and a bath with dual vanities, jetted tub, and tile shower; the additional bedrooms share a Jack-and-Jill bath. The third level offers two large bedrooms, an office, and a family room with a third fireplace and wet bar, while the basement provides a large rec room and a dedicated hot tub room. Built to exceptional standards, the home features 500-amp service, spray foam insulation, extensive stone and brickwork, CertainTeed Presidential shingles, and in-floor heat in the lower levels. Complete with over 2,000 sq ft of heated and finished garage space for all your vehicles and hobbies, and a neighborhood pool for summer fun, this home is a rare find that combines luxury with active, convenient living.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2006
LevelsFour or More Level Split
Living area7,307 sqft
Above-grade finished4,200 sqft
Below-grade finished3,107 sqft
Lot size1.12 acres (1x1)
Days on market216
ListedFeb 24, 2026
MLS #NST7025855
CountyStearns
SubdivisionMill River Estates
Parcel #82486910004

Facts & features

Interior

Bedrooms
5
Bathrooms
5
Bath breakdown
3 full / 1 3/4 / 1 half
Heating
Boiler, Forced Air, In-Floor Heating
Cooling
Central Air
Appliances
Cooktop, Dishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Four or More Level Split
Garage
6 spaces · 32x55 · 2,002 sqft
Parking features
Attached Garage, Concrete, Floor Drain, Finished Garage, Heated Garage
Patio & porch
Deck, Patio
Exterior features
Stone, Steel Siding
Pool
Below Ground, Shared

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 4,200 sqft
Roof
Asphalt
Year built
2006

Utilities

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

Community & HOA

Subdivision
Mill River Estates
HOA
$600/annual
HOA name
Mill Creek Homeowners Assoc
HOA phone
3202506937
HOA includes
Other
School district
742 - St. Cloud

Financial & listing details

Annual tax
$12,494 (2026)
Listed
Feb 24, 2026
Days on market
216
Manufactured home
Yes

Interior details

Total bathrooms5
Full baths3
3/4 baths1
Half baths1
1/4 baths0
BasementFinished, Full
HeatingBoiler, Forced Air, In-Floor Heating
CoolingCentral Air
Fireplaces3
LaundryMain Level, Sink
AppliancesCooktop, Dishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator, Stainless Steel Appliances, Washer
DiningBreakfast Bar, Informal Dining Room, Separate/Formal Dining Room
AmenitiesDeck, Hardwood Floors, Primary Bedroom Walk-In Closet, In-Ground Sprinkler, Sun Room, Tile Floors, Vaulted Ceiling(s), Wet Bar
AccessibilityNone
Special features3 BR on One Level, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Steel Siding
RoofAsphalt
FoundationBlock
Foundation area4,200 sqft
Patio/porchDeck, Patio
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Floor Drain, Finished Garage, Heated Garage
Garage spaces6
Garage size2,002 sqft

Financial details

Annual taxes$12,494
Tax year2026
Taxes w/ assessments12494
Assessment pendingNo
HOA fee$600
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District742 - St. Cloud
District number742
District phone3202539333
High schoolSt. Cloud
SODL flat fee brokerage
$26,850Estimated buyer credit
SODL platform fee $3,000Your buyer credit $26,850

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

$7,202/mo
Principal & interest$5,229
Property taxes$1,041
Home insurance (est.)$332
HOA fees$600
%
$199,000
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.

Location

2177 Mill Pond Drive, Saint Cloud, MN, 56303

Listing information

MLS #NST7025855
StatusActive
Last updatedAug 24, 2026, 6:37 PM
Originally listedFeb 24, 2026, 5:44 PM
Listing officeAgency North Real Estate, Inc

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.