Listed at
$799,900
$207/sqft

Country Club Estates Two

3103 Golf Terrace, Saint Cloud, MN, 56301
3  Bedrooms3  Bathrooms3,866  Square Feet0.39  Acres
Days on market122
Year built1997
Garage spaces3
TypeResidential
Est. $20,997buyer credit when you buy with SODL
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About this home

Enjoy your quiet back patio in the best location at the end of cul de sac. Panoramic views of the 9th fairway of the most pristine Golf Country Club in Central MN, The St. Cloud Country Club. This ranch style home will take you in with views through the house to the golf course as you enter the front door. Master bedroom and bathroom on main level with patio doors to the patio on the fairway side. In addition, a secondary bedroom for guests or kids. A beautiful barrel vaulted living room for gatherings with floor to ceiling windows, and a quiet den area to relax….both having gas fireplaces for the cool winter days. The kitchen, dining, den and living room were remodeled and updated in 2006. They include painted and walnut cabinets along with wood and travertine floors. There is a nice main level craft/sewing room that could easily be converted into a main floor laundry. Lower level recently updated includes a large family room, bedroom, bathroom and sauna (room for a 4th bedroom to be easily added if needed). Laundry/storage room is huge in lower level as well. A heated 3 car garage with additional storage space for work shop/storage. This home brings all the best to living on a flat lot with zero entry convenience at the St. Cloud Country Club.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1997
LevelsOne
Living area3,866 sqft
Above-grade finished2,166 sqft
Below-grade finished1,700 sqft
Lot size0.39 acres (irregular)
Days on market122
ListedMay 27, 2026
MLS #NST7080364
CountyStearns
SubdivisionCountry Club Estates Two
Parcel #82462790110

Facts & features

Interior

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

Property

Levels / stories
One
Garage
3 spaces · 26x32 · 628 sqft
Parking features
Attached Garage, Concrete
Patio & porch
Patio
Exterior features
Stucco
Lot size
0.39 acres

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 2,166 sqft
Roof
Age 8 Years or Less
Year built
1997

Utilities

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

Community & HOA

Subdivision
Country Club Estates Two
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$7,462 (2025)
Listed
May 27, 2026
Days on market
122
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementBlock
HeatingForced Air
CoolingCentral Air
Fireplaces2
LaundryLower Level, Sink
AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned
DiningInformal Dining Room
AmenitiesCable, City View, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Sauna, Security System, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s)
AccessibilityFully Wheelchair

Exterior & lot

ExteriorStucco
RoofAge 8 Years or Less
FoundationBlock
Foundation area2,166 sqft
Patio/porchPatio
Lot featuresIrregular Lot, Tree Coverage - Medium
Road frontageCul De Sac
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete
Garage spaces3
Garage size628 sqft

Financial details

Annual taxes$7,462
Tax year2025
Taxes w/ assessments7462
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District742 - St. Cloud
District number742
District phone3202539333
High schoolSt. Cloud
SODL flat fee brokerage
$20,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $20,997

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

$5,092/mo
Principal & interest$4,204
Property taxes$622
Home insurance (est.)$267
%
$159,980
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

3103 Golf Terrace, Saint Cloud, MN, 56301

Listing information

MLS #NST7080364
StatusActive
Last updatedMay 30, 2026, 9:19 AM
Originally listedMay 30, 2026, 12:00 AM
Listing officeWerschay Real Estate Services

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.