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 $3,338 (2025).

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property was listed for 53 days.

Pending

$309,900

$108/sqft

Holy Spirit Add

2318 10th Avenue, Saint Cloud, MN, 56301

4 Bedrooms3 Bathrooms2,881 Square Feet0.3 Acres

Days on market53

Year built1965

Garage spaces2

TypeResidential

Est. $6,297buyer credit when you buy with SODL

About this home

Welcome home to this beautifully maintained 4-bedroom, 3-bath property in the heart of St. Cloud! Offering nearly 2,900 sq ft of living space, this home features a spacious kitchen with classic oak cabinetry, perfect for cooking and entertaining. The main level includes two bedrooms, a full bath, and a large, light-filled living room. Upstairs you’ll find two additional bedrooms and another full bath, while the lower level offers a generous family room, rec area, and laundry. Enjoy outdoor living with a large screened-in porch overlooking the fully fenced yard—ideal for relaxing or hosting. A two-stall garage adds convenience and extra storage. This home has been lovingly cared for and is move-in ready!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1965

LevelsOne and One Half

Living area2,881 sqft

Above-grade finished1,825 sqft

Below-grade finished1,056 sqft

Lot size0.3 acres (77x175)

Days on market53

ListedNov 3, 2025

MLS #NST6810134

CountyStearns

SubdivisionHoly Spirit Add

Parcel #82474470061

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One and One Half
Garage: 2 spaces · 528 sqft
Parking features: Detached Garage, Concrete
Patio & porch: Porch
Fencing: Full, Wood
Lot size: 0.3 acres

Construction

Property type: Residential
Property subtype: Single Family Residence
Foundation: 1,056 sqft
Roof: Asphalt
Year built: 1965

Utilities

Water: City Water/Connected, Well
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Holy Spirit Add
HOA: No HOA
School district: St. Cloud

Financial & listing details

Annual tax: $3,338 (2025)
Listed: Nov 3, 2025
Days on market: 53
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Egress Window(s), Finished, Full

HeatingForced Air

CoolingCentral Air

Fireplaces2

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Window, Patio, In-Ground Sprinkler, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Exterior & lot

RoofAsphalt

Foundation area1,056 sqft

Patio/porchPorch

Road frontageCity Street

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected, Well

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete

Garage spaces2

Garage size528 sqft

Financial details

Annual taxes$3,338

Tax year2025

Taxes w/ assessments3338

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2249

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$6,297Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,297

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

$2,010/mo

Principal & interest$1,629

Property taxes$278

Home insurance (est.)$103

Down payment

$61,980

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.