Listed at
$325,000
$217/sqft

3552 12th Avenue

3552 12th Avenue, Saint Cloud, MN, 56304
3  Bedrooms2  Bathrooms1,496  Square Feet0.84  Acres
Days on market112
Year built1960
Garage spaces2
TypeResidential
Est. $6,750buyer credit when you buy with SODL
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About this home

A rare opportunity on the Mississippi River! This beautifully renovated one-story home sits on nearly an acre, offering stunning waterfront views while being tucked away in a quiet neighborhood! Enjoy waterfront living: gather by the water-side campfire, float the river, or relax on your private dock. In the winter, the river becomes your playground for skating, snowshoeing, and ice fishing–a true four-season gem. Inside, the redesigned main floor blends functionality with contemporary design. The kitchen features an oversized island and custom knotty-alder cabinetry, with an eat-in dining area where a charming brick fireplace and panoramic river views create a warm, inviting atmosphere. The open layout flows into a spacious living room with updated birch hardwood floors, perfect for relaxing or entertaining. The convenient three main-floor bedrooms feature refinished original hardwood floors, blending character with comfort. A breezeway leads to an expansive unfinished basement with a second bath, offering endless potential for additional living space. The screened porch is a highlight–your front-row seat to the river–where you can take in peaceful mornings, evening breezes, and stunning sunsets framed by mature trees and the shimmer of the water. All of this awaits on the southeast edge of town with easy access to the metro area.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1960
LevelsOne
Living area1,496 sqft
Above-grade finished1,496 sqft
Below-grade finished0 sqft
Lot size0.84 acres (159x400x140x328)
Days on market112
ListedApr 3, 2026
MLS #NST7045936
CountySherburne
Parcel #254030040

Facts & features

Interior

Bedrooms
3
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Dryer, Range, Refrigerator, Washer, Water Softener Rented

Property

Levels / stories
One
Garage
2 spaces · 23x21 · 483 sqft
Parking features
Attached Garage, Asphalt, Garage Door Opener
Patio & porch
Porch, Screened
Exterior features
Metal
View
Panoramic, River, West

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,496 sqft
Roof
Asphalt
Year built
1960

Utilities

Water
Well
Sewer
Private Sewer
Fuel
Natural Gas

Community & HOA

HOA
No HOA
HOA amenities
Beach, Porch
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$2,542 (2025)
Listed
Apr 3, 2026
Days on market
112 · 78 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Full, Unfinished
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryLower Level
AppliancesDryer, Range, Refrigerator, Washer, Water Softener Rented
DiningKitchen/Dining Room
AmenitiesHardwood Floors, Kitchen Window, Natural Woodwork, Porch, Washer/Dryer Hookup
AccessibilityNone
Special features3 BR on One Level

Exterior & lot

ExteriorMetal
RoofAsphalt
FoundationBlock
Foundation area1,496 sqft
Patio/porchPorch, Screened
Lot featuresTree Coverage - Medium
Road frontageCounty Road, No Outlet/Dead End, Paved Streets, Township
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceWell
SewerPrivate Sewer
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener
Garage spaces2
Garage size483 sqft

Financial details

Annual taxes$2,542
Tax year2025
Taxes w/ assessments2542
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
$6,750Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,750

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

$2,028/mo
Principal & interest$1,708
Property taxes$212
Home insurance (est.)$108
%
$65,000
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.

Location

3552 12th Avenue, Saint Cloud, MN, 56304

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Listing information

MLS #NST7045936
StatusClosed
Last updatedAug 4, 2026, 3:11 PM
Originally listedApr 12, 2026, 12:00 AM
Listing officeVoigtJohnson
Co-listing officeVoigtJohnson

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.