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 $2,672 (2026).

What school district is this property in?

This property is in the 742 - St. Cloud school district.

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 has been listed for 23 days.

Listed at

$255,000

$141/sqft

Original Clearwater

320 Bluff Street, Clearwater, MN, 55320

2 Bedrooms2 Bathrooms1,804 Square Feet0.35 Acres

Days on market23

Year built1925

Garage spaces2

TypeResidential

Est. $4,650buyer credit when you buy with SODL

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About this home

Old world charm with some modern updates in the heart of Clearwater! This one-of-a-kind home features original hardwood floors, original cabinetry, cool vintage light fixtures, and a custom fireplace. The main floor bedroom offers a walk-through bath with granite countertops, knotty pine walls and a fully tiled shower. On the 2nd floor, you'll find an additional bedroom plus a flex space perfect for an office, gaming area, or whatever fits your lifestyle. Don't miss the eye-catching catwalk that gives a bird’s-eye view of the main floor. The walkout lower level offers a spacious rec room with a cozy wood-burning fireplace, workshop area, and a 3/4 bathroom ready for your finishing touches. Enjoy the huge wraparound deck that extends to the front porch, overlooks the spacious wooded yard and the flag stone patio. Some updated vinyl windows, plus the home features a 2024 furnace and water heater, along with a 2023 roof. The 19x30 garage, built in 2002 per county records, includes a concrete driveway with extra parking. Bring your ideas and add your own style to make this space truly yours!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1925

LevelsOne and One Half

Living area1,804 sqft

Above-grade finished1,464 sqft

Below-grade finished340 sqft

Lot size0.35 acres (90x173)

Days on market23

ListedMay 28, 2026

MLS #NST7064159

CountyWright

SubdivisionOriginal Clearwater

Parcel #104010017080

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 2 3/4
Heating: Forced Air
Cooling: Window Unit(s)
Appliances: Cooktop, Dishwasher, Gas Water Heater, Range, Refrigerator, Stainless Steel Appliances, Water Softener Owned

Property

Levels / stories: One and One Half
Garage: 2 spaces · 19x30 · 570 sqft
Parking features: Detached Garage, Concrete, Garage Door Opener
Patio & porch: Deck, Porch, Wrap Around
Exterior features: Other
Fencing: Wood

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Brick/Mortar · 780 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1925

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 100 Amp Service

Community & HOA

Subdivision: Original Clearwater
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $2,672 (2026)
Listed: May 28, 2026
Days on market: 23 · 9 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths0

3/4 baths2

Half baths0

1/4 baths0

BasementEgress Window(s), Finished, Full, Sump Pump, Walkout

HeatingForced Air

CoolingWindow Unit(s)

Fireplaces2

LaundryGas Dryer Hookup, Lower Level

AppliancesCooktop, Dishwasher, Gas Water Heater, Range, Refrigerator, Stainless Steel Appliances, Water Softener Owned

DiningKitchen/Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Porch, Tile Floors, Walk-In Closet

AccessibilityNone

Special featuresMain Floor Bedroom

Exterior & lot

ExteriorOther

RoofAge 8 Years or Less, Asphalt

FoundationBrick/Mortar

Foundation area780 sqft

Patio/porchDeck, Porch, Wrap Around

Lot featuresTree Coverage - Medium

Road frontageCity Street, Paved Streets

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete, Garage Door Opener

Garage spaces2

Garage size570 sqft

Financial details

Annual taxes$2,672

Tax year2026

Taxes w/ assessments2672

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

$4,650Estimated buyer credit

SODL platform fee $3,000Your buyer credit $4,650

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

$1,648/mo

Principal & interest$1,340

Property taxes$223

Home insurance (est.)$85

Down payment

$51,000

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.