Sold / Closed
$370,000

Sold price · Closed Sep 4, 2026

$176/sqft

Rum River Terrace

23232 Underclift Street, Saint Francis, MN, 55070
3  Bedrooms2  Bathrooms2,096  Square Feet0.16  Acres
Days on market20
Year built2018
Garage spaces3
TypeResidential
Est. $8,097buyer credit when you buy with SODL

About this home

This beautifully well kept home features an open-concept floor plan with numerous high-quality upgrades throughout. The main living area showcases vaulted ceilings, a spacious center island with breakfast bar seating, upgraded cabinetry, and stainless steel appliances, creating an inviting space for everyday living and entertaining. A generous foyer and well-sized bedrooms add to the home's thoughtful design. The fully finished lower level has been professionally renovated with high-quality flooring and includes a spacious family room, an additional bedroom, and a full bathroom, offering excellent extra living space. From the lower level, step directly through the patio door onto the deck, providing seamless indoor-outdoor living. The property can also be sold fully furnished for a true turnkey opportunity or completely cleaned out prior to closing.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2018
LevelsSplit Entry (Bi-Level)
Living area2,096 sqft
Above-grade finished1,188 sqft
Below-grade finished908 sqft
Lot size0.16 acres (50x139x49x139)
Days on market20
ListedJul 28, 2026
MLS #NST7117174
CountyAnoka
SubdivisionRum River Terrace
Parcel #323424310058

Facts & features

Interior

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

Property

Levels / stories
Split Entry (Bi-Level)
Garage
3 spaces · 616 sqft
Parking features
Attached Garage
Patio & porch
Deck
Exterior features
Vinyl
Fencing
Full

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Poured Concrete · 1,148 sqft
Roof
Age 8 Years or Less
Year built
2018

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
$3,894 (2026)
Listed
Jul 28, 2026
Days on market
20
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths2
3/4 baths0
Half baths0
1/4 baths0
BasementWalkout
HeatingForced Air
CoolingCentral Air
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
DiningEat In Kitchen
AccessibilityNone

Exterior & lot

ExteriorVinyl
RoofAge 8 Years or Less
FoundationPoured Concrete
Foundation area1,148 sqft
Patio/porchDeck
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage
Garage spaces3
Garage size616 sqft

Financial details

Annual taxes$3,894
Tax year2026
Taxes w/ assessments3894
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
$8,097Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,097

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

$2,392/mo
Principal & interest$1,944
Property taxes$325
Home insurance (est.)$123
%
$73,980
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.

Location

23232 Underclift Street, Saint Francis, MN, 55070

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Listing information

MLS #NST7117174
StatusClosed
Last updatedSep 8, 2026, 5:10 PM
Originally listedAug 1, 2026, 12:00 AM
Listing officePeloquin Premier Properties

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.