Sold / Closed
$298,000

Sold price · Closed Jul 15, 2026

$195/sqft

Clearwater Estates 4

228 Goldfinch Lane, Clearwater, MN, 55320
2  Bedrooms2  Bathrooms1,586  Square Feet0.156  Acres
Days on market86
Year built2000
Garage spaces2
HOA / month$265
TypeResidential
Est. $6,300buyer credit when you buy with SODL

About this home

Welcome to an effortless one-level living in the beautiful Clearwater Estates community! This exceptionally well-maintained 2-bedroom, 2-bath townhome offers an ideal combination of comfort, privacy, and thoughtful updates, all set in a peaceful location with no backyard neighbors. The home features no steps inside or out, designed for convenience and making daily living easily accessible! The open-concept layout seamlessly connects the living, dining, and kitchen spaces, enhanced by the natural light from large windows throughout. The kitchen showcases updated granite countertops, quality wood cabinetry, a breakfast bar, exhaust fan/hood, disposal, and a full suite of Kenmore© appliances, along with both informal dining space and an additional dining area adjacent to the living room. A sunroom just off the living area provides a bright and inviting retreat, with direct access to the patio! The spacious primary suite includes a full private bath and a generous walk-in closet, while the second bedroom is ideally located near the main living space. Additional features include solid core paneled doors, a convenient laundry room off the garage with Kenmore© washer/dryer, sink, and storage, and a ¾ bath for added functionality. Recent updates and mechanical highlights include a new roof (2022), new steel siding (2023), water heater (2021), and a high-quality water treatment system less than one year old. The home is equipped with a fireplace, forced air furnace, central A/C, air-to-air exchanger, humidifier, and owned water softener – ensuring comfort and efficiency year-round. The finished and insulated 2-car attached garage features epoxy flooring, a built-in workbench, overhead storage, water access, and a convenient golf cart door, along with a concrete driveway. Inviting front entry with concrete patio area and walkway! Clearwater Estates is a gated community offering exceptional amenities, including a heated in-ground pool, clubhouse, internet included and a scenic Mississippi River overlook walkway. Ideally located near parks, dining, Preserve Disc Golf Course, Mississippi River, and more, this home combines tranquility with convenience! Quick close available and a one-year home warranty is included for added peace of mind.

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Home facts

Property typeResidential
Property subtype(TH) Side x Side
Year built2000
LevelsOne
Living area1,586 sqft
Above-grade finished1,586 sqft
Below-grade finished0 sqft
Lot size0.156 acres (73x110x51x110)
Days on market86
ListedMar 26, 2026
MLS #NST7040426
CountyWright
SubdivisionClearwater Estates 4
Parcel #104024002060

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Humidifier, Gas Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
2 spaces · 20x25 · 500 sqft
Parking features
Attached Garage, Concrete, Garage Door Opener, Insulated Garage
Patio & porch
Patio
Exterior features
Stone, Steel Siding
Pool
None

Construction

Property type
Residential
Property subtype
(TH) Side x Side
Construction materials
Concrete
Foundation
Slab · 1,586 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
2000

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Electric, Natural Gas
Electric
150 Amp Service

Community & HOA

Subdivision
Clearwater Estates 4
HOA
$265/month
HOA name
Clearwater Estates
HOA phone
3202673147
HOA includes
Building Exterior, Cable TV, Hazard Insurance, Internet, Professional Mgmt, Recreation Facility, Sanitation, Shared Amenities
School district
742 - St. Cloud

Financial & listing details

Annual tax
$3,270 (2026)
Listed
Mar 26, 2026
Days on market
86
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementNone
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryLaundry Closet, Main Level, Sink
AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Humidifier, Gas Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningBreakfast Bar, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room
AmenitiesCeiling Fan(s), French Doors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Patio, Paneled Doors, In-Ground Sprinkler, Sun Room
AccessibilityNo Stairs External, No Stairs Internal
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, Asphalt
FoundationSlab
Foundation area1,586 sqft
Patio/porchPatio
Lot featuresTree Coverage - Light
Road frontagePaved Streets, Private Road
Road responsibilityPrivate Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Insulated Garage
Garage spaces2
Garage size500 sqft

Financial details

Annual taxes$3,270
Tax year2026
Taxes w/ assessments3270
Assessment pendingNo
HOA fee$265
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District742 - St. Cloud
District number742
District phone3202539333
High schoolSt. Cloud
SODL flat fee brokerage
$6,300Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,300

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

$2,270/mo
Principal & interest$1,629
Property taxes$273
Home insurance (est.)$103
HOA fees$265
%
$62,000
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

228 Goldfinch Lane, Clearwater, MN, 55320

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Listing information

MLS #NST7040426
StatusClosed
Last updatedJul 16, 2026, 1:45 PM
Originally listedMar 26, 2026, 3:07 PM
Listing officeEdina Realty, 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.