Sold / Closed
$365,000

Sold price · Closed Jun 12, 2026

$163/sqft

Rum River Terrace

23212 Underclift Street, Saint Francis, MN, 55070
3  Bedrooms2  Bathrooms2,240  Square Feet0.35  Acres
Days on market44
Year built2017
Garage spaces3
TypeResidential
Est. $7,950buyer credit when you buy with SODL

About this home

Welcome home to 23212 Underclift St NW in Saint Francis! This exceptionally maintained home offers over 2,200 finished square feet and a layout designed for comfort, flexibility, and easy entertaining. The upper level features the main kitchen with stainless steel appliances, a center island, pantry storage, and an open-concept design that creates a natural flow between the kitchen, dining, and living areas. The walkout lower level, finished in 2026, feels fresh and nearly new with additional open living space, a wet bar, lower-level primary bedroom, walkthrough closet, and Jack-and-Jill bathroom. Both levels offer open gathering space, giving the home a bright and connected feel throughout. Outside, the fenced backyard and approximately 0.35-acre lot provide space to relax, play, or host. With Rum River canoe access directly across the street, Rum River North Park nearby, and convenient access to St. Francis schools, shopping, restaurants, and County Market, this home pairs thoughtful interior updates with a location that keeps outdoor recreation and daily essentials close at hand.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2017
LevelsSplit Entry (Bi-Level)
Living area2,240 sqft
Above-grade finished1,120 sqft
Below-grade finished1,120 sqft
Lot size0.35 acres (88x33x153x55x135)
Days on market44
ListedMar 31, 2026
MLS #NST7038071
CountyAnoka
SubdivisionRum River Terrace
Parcel #323424310061

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Chandelier, Dishwasher, Disposal, Dryer, Gas Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Split Entry (Bi-Level)
Garage
3 spaces · 660 sqft
Parking features
Attached Garage
Exterior features
Block, Stone, Vinyl
Fencing
Chain Link
Lot size
0.35 acres

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Brick
Foundation
Block · 1,120 sqft
Roof
Age Over 8 Years
Year built
2017

Utilities

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

Community & HOA

Subdivision
Rum River Terrace
HOA
No HOA
School district
15 - St. Francis
High school district
St. Francis

Financial & listing details

Annual tax
$3,707.04 (2026)
Listed
Mar 31, 2026
Days on market
44
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Storage Space, Walkout
HeatingForced Air
CoolingCentral Air
LaundryLower Level, Laundry Room
AppliancesAir-To-Air Exchanger, Chandelier, Dishwasher, Disposal, Dryer, Gas Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningBreakfast Area, Kitchen/Dining Room
AmenitiesCeiling Fan(s), Kitchen Center Island, Kitchen Window, In-Ground Sprinkler, Vaulted Ceiling(s), Wet Bar, Walk-In Closet
AccessibilityNone

Exterior & lot

ExteriorBlock, Stone, Vinyl
RoofAge Over 8 Years
FoundationBlock
Foundation area1,120 sqft
Lot featuresTree Coverage - Light
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces3
Garage size660 sqft

Financial details

Annual taxes$3,707.04
Tax year2026
Taxes w/ assessments3707.04
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District15 - St. Francis
District number15
District phone7637537040
High schoolSt. Francis
SODL flat fee brokerage
$7,950Estimated buyer credit
SODL platform fee $3,000Your buyer credit $7,950

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

$2,349/mo
Principal & interest$1,918
Property taxes$309
Home insurance (est.)$122
%
$73,000
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

23212 Underclift Street, Saint Francis, MN, 55070

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Listing information

MLS #NST7038071
StatusClosed
Last updatedJun 12, 2026, 4:46 PM
Originally listedApr 2, 2026, 12:16 PM
Listing officeEdina Realty, Inc.
Co-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.