Active
$329,900

3185 Joyce Street, Saint Cloud, MN, 56303

4  Bedrooms2  Bathrooms2,392  Square Feet0.82  Acres
Days on market85
Year built2001
Garage spaces3
Potential $6,897buyer credit when you buy with SODL
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About this home

Welcome to this spacious 4-bedroom, 2-bath home tucked away on a quiet dead-end street and situated on a beautiful 0.82-acre lot! Offering 2,392 finished square feet, this home combines comfortable living space with exceptional indoor and outdoor amenities. The kitchen was refreshed in 2025 with all-new appliances, countertops, and backsplash, while new upstairs carpeting and all-new privacy fencing were added in 2026. A new washer and dryer were added in 2024. The main level features an inviting living area, dining space, updated kitchen, and two bedrooms. The finished lower level offers two additional bedrooms, a comfortable family/rec room, wet bar, bathroom with heated flooring, and plenty of space for entertaining, hobbies, or guests. Outside, enjoy the privacy and mature trees of the expansive 0.82-acre lot, along with a lawn irrigation system supplied by a private well, helping keep the lawn looking its best without relying on municipal water. A standout feature is the oversized 3-car garage with approximately 927 square feet, offering abundant room for vehicles, storage, recreational toys, or a workshop. With numerous recent updates, a flexible four-bedroom layout, exceptional garage space, private well irrigation, new privacy fencing, and a peaceful dead-end setting, this home offers plenty of room to spread out both inside and out!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2001
LevelsSplit Entry (Bi-Level)
Living area2,392 sqft
Above-grade finished1,196 sqft
Below-grade finished1,196 sqft
Lot size0.82 acres (100x192x133x124x197)
Days on market85
ListedAug 13, 2026
MLS #NST7127207
CountyStearns
SubdivisionTilden Woods
Parcel #82515380551

Facts & features

Interior

Bedrooms
4
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Electric Water Heater, ENERGY STAR Qualified Appliances, Exhaust Fan, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Split Entry (Bi-Level)
Garage
3 spaces · 34x2804 · 927 sqft
Parking features
Attached Garage, Concrete, Electric, Garage Door Opener, Insulated Garage
Exterior features
Vinyl
Fencing
Privacy, Vinyl
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,196 sqft
Roof
Age Over 8 Years, Asphalt
Year built
2001

Utilities

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

Community & HOA

Subdivision
Tilden Woods
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$4,458 (2026)
Tax with assessments
4466
Listed
Aug 13, 2026
Days on market
85 · 136 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Drain Tiled, Finished, Sump Basket
HeatingForced Air
CoolingCentral Air
LaundryElectric Dryer Hookup, Lower Level, Washer Hookup
AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Electric Water Heater, ENERGY STAR Qualified Appliances, Exhaust Fan, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningKitchen/Dining Room
AmenitiesCable, Ceiling Fan(s), Ethernet Wired, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Wet Bar, Walk-In Closet
AccessibilityNone

Exterior & lot

ExteriorVinyl
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area1,196 sqft
Lot featuresIrregular Lot, Tree Coverage - Medium
Road frontageCity Street, No Outlet/Dead End, Paved Streets, Street Lights
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected, Well
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Electric, Garage Door Opener, Insulated Garage
Garage spaces3
Garage size927 sqft

Financial details

Annual taxes$4,458
Tax year2026
Taxes w/ assessments4466
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
$6,897Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,897

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

$2,215/mo
Principal & interest$1,734
Property taxes$372
Home insurance (est.)$110
%
$65,980
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

3185 Joyce Street, Saint Cloud, MN, 56303

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Listing information

MLS #NST7127207
Last reported MLS statusActive
MLS record updatedNov 3, 2026, 2:23 AM
Originally listedAug 21, 2026, 12:00 AM
Listing officeCity and Lakes Real Estate

Status reflects the latest MLS record available to SODL, not independently confirmed current availability. 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.