Does this property have an HOA?

Yes. The HOA fee is $600 per month.

What are the annual property taxes?

Annual property taxes are $11,556 (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 5-car garage.

How long has this property been on the market?

This property has been listed for 29 days.

Listed at

$699,900

$140/sqft

Deer Creek Crossing Three

3421 21st Avenue, Saint Cloud, MN, 56301

4 Bedrooms5 Bathrooms5,010 Square Feet0.47 Acres

Days on market29

Year built2002

Garage spaces5

HOA / month$600

TypeResidential

Est. $17,997buyer credit when you buy with SODL

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About this home

Welcome to Deer Creek Crossing, this executive 2-story residence offers refined living and exceptional entertaining spaces throughout. The main level showcases rich hardwood floors, a striking gas fireplace, and a chef-inspired kitchen appointed with granite countertops and stainless-steel appliances w/gas range. A spacious 14x13 office provides the perfect work-from-home setup. The luxurious primary suite serves as a private retreat, featuring a spacious layout and a well-appointed en suite bath designed for relaxation. Enjoy the added flexibility of a junior suite w/private full bath, along with a well-appointed Jack-and-Jill suite ideal for both guests and family living. The lower level is thoughtfully designed for entertaining, featuring a full wet bar with granite tops, a striking stone arched wall, and pool table, all seamlessly connected to a spacious family room ideal for hosting and relaxing alike. Outdoor living is equally impressive, a 3-Season porch with gas fireplace and 4 track window system, maintenance-free deck, and a beautifully designed 16' radius paver patio anchored by a custom outdoor fireplace. The fully finished & heated 5 stall garage provides unparalleled space for vehicles, storage, or hobby use. A distinguished home that blends sophistication, comfort, and functionality. Enjoy exclusive access to the private community pool, perfect for summer relaxation, truly a rare offering!

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Date

Sep 12, 2026

Time

5:30pm – 7pm

Address

3421 21st Avenue, Saint Cloud, MN, 56301

Listed By: Edina Realty, Inc • NST7136174 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2002

LevelsTwo

Living area5,010 sqft

Above-grade finished3,621 sqft

Below-grade finished1,389 sqft

Lot size0.47 acres (138 X 68 X 189 X 67 X 128)

Days on market29

ListedAug 31, 2026

MLS #NST7136174

CountyStearns

SubdivisionDeer Creek Crossing Three

Parcel #82464300073

Facts & features

Interior

Bedrooms: 4
Bathrooms: 5
Bath breakdown: 3 full / 1 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air, Ductless Mini-Split
Appliances: Air-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Washer, Wine Cooler

Property

Levels / stories: Two
Garage: 5 spaces · 26x34 and 30x30 · 1,784 sqft
Parking features: Attached Garage, Concrete, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Composite Decking, Deck, Enclosed, Front Porch, Screened
Exterior features: Stone, Steel Siding
Pool: Shared

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 1,488 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2002

Utilities

Water: City Water/Connected, Sand Point
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: Deer Creek Crossing Three
HOA: $600/annual
HOA name: Deer Creek Crossing - Mike Bengtson
HOA phone: 3204923288
HOA includes: Shared Amenities
School district: 742 - St. Cloud

Financial & listing details

Annual tax: $11,556 (2026)
Listed: Aug 31, 2026
Days on market: 29 · 157 cumulative
Manufactured home: Yes

Interior details

Total bathrooms5

Full baths3

3/4 baths1

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Drain Tiled, Finished, Full

HeatingForced Air

CoolingCentral Air, Ductless Mini-Split

Fireplaces3

LaundryGas Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup

AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Washer, Wine Cooler

DiningKitchen/Dining Room, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Local Area Network, Primary Bedroom Walk-In Closet, Natural Woodwork, Paneled Doors, Porch, Security System, In-Ground Sprinkler, Washer/Dryer Hookup, Wet Bar, Walk-In Closet

AccessibilityNone

Special features4 BR on One Level, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Steel Siding

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,488 sqft

Patio/porchComposite Decking, Deck, Enclosed, Front Porch, Screened

Lot featuresCorner Lot, Tree Coverage - Light

Road frontageCity Street, Curbs, Paved Streets, Street Lights

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected, Sand Point

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces5

Garage size1,784 sqft

Financial details

Annual taxes$11,556

Tax year2026

Taxes w/ assessments11556

Assessment pendingNo

HOA fee$600

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$17,997Estimated buyer credit

SODL platform fee $3,000Your buyer credit $17,997

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.

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Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

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Estimated monthly payment

$5,475/mo

Principal & interest$3,678

Property taxes$963

Home insurance (est.)$233

HOA fees$600

Down payment

$139,980

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.