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 $3,786 (2025).

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 332 days.

No photos available

Listed at

$269,900

$119/sqft

Selmsers Prospect Park

405 4th Street, Cloquet, MN, 55720

3 Bedrooms1 Bathroom2,274 Square Feet0.29 Acres

Days on market332

Year built1923

Garage spaces2

TypeResidential

Est. $5,097buyer credit when you buy with SODL

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About this home

Classic Cloquet Charm on a Spacious Corner Lot! Discover the perfect blend of character and convenience in this inviting 3-bedroom, 1-bath home nestled in the heart of Cloquet, MN. Situated on a generous .29-acre corner lot, this property offers incredible space both inside and out—ideal for anyone seeking a move-in ready opportunity that also has possibilities to make it your own. Inside You'll Find: 3 bedrooms on the main floor – perfect for single-level living, Spacious eat-in kitchen with room for meals and entertaining. Bright sunroom – enjoy your morning coffee or create a cozy reading nook. Walk-up attic with endless possibilities: extra storage, craft room, home office, or potential non-conforming bedroom. Updated electrical panel and pre-inspected for your peace of mind. Classic details and solid bones throughout with hardwood floors hiding under the carpet. Outdoor Features: Large corner lot with plenty of room for activities and pets! Detached 2-car garage with asphalt driveway for easy maintenance. Mature landscaping and space to garden, play, or entertain. Why You'll Love This Location: Convenient Cloquet location close to schools, parks, shopping, and dining, Easy access to Highway 33 and I-35 for commuting to Duluth or the Twin Cities, friendly neighborhood with small-town charm. This affordable Cloquet home has been thoughtfully maintained and is ready for its next chapter. Whether you're looking for a starter home, investment property, or a place to grow, 405 4th St checks all the boxes. Schedule your showing today and see all this home has to offer!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1923

LevelsOne and One Half

Living area2,274 sqft

Above-grade finished2,074 sqft

Below-grade finished200 sqft

Lot size0.29 acres (110x115)

Days on market332

ListedOct 30, 2025

MLS #NST6811223

CountyCarlton

SubdivisionSelmsers Prospect Park

Parcel #063400940

Facts & features

Interior

Bedrooms: 3
Bathrooms: 1
Bath breakdown: 1 full
Heating: Baseboard, Boiler, Radiator
Cooling: None
Appliances: Cooktop, Exhaust Fan, Gas Water Heater, Refrigerator, Wall Oven

Property

Levels / stories: One and One Half
Garage: 2 spaces · 20x24 · 480 sqft
Parking features: Detached Garage, Asphalt, Electric
Patio & porch: Covered, Porch
Other structures: Garage(s)
Lot size: 0.29 acres

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Brick
Foundation: 1,480 sqft
Roof: Age Over 8 Years, Architectural Shingle, Asphalt
Year built: 1923

Utilities

Water: City Water/Connected
Sewer: City Sewer - In Street
Fuel: Natural Gas
Electric: 200+ Amp Service

Community & HOA

Subdivision: Selmsers Prospect Park
HOA: No HOA
School district: Cloquet

Financial & listing details

Annual tax: $3,786 (2025)
Listed: Oct 30, 2025
Days on market: 332
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths1

3/4 baths0

Half baths0

1/4 baths0

BasementDrainage System, Full, Concrete, Storage Space, Sump Basket, Sump Pump, Unfinished

HeatingBaseboard, Boiler, Radiator

CoolingNone

Fireplaces1

LaundryIn Basement, Electric Dryer Hookup, Washer Hookup

AppliancesCooktop, Exhaust Fan, Gas Water Heater, Refrigerator, Wall Oven

DiningBreakfast Area, Eat In Kitchen, Informal Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Porch, Sun Room, Washer/Dryer Hookup, Walk-Up Attic

AccessibilityNone

Special features3 BR on One Level, Main Floor Bedroom

Exterior & lot

RoofAge Over 8 Years, Architectural Shingle, Asphalt

Foundation area1,480 sqft

Patio/porchCovered, Porch

Lot featuresCorner Lot, Tree Coverage - Light

Road frontageCity Street, Paved Streets, Sidewalks, Street Lights, Storm Sewer

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer - In Street

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Asphalt, Electric

Garage spaces2

Garage size480 sqft

Financial details

Annual taxes$3,786

Tax year2025

Taxes w/ assessments3786

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2342

District phone2188796721

High schoolCloquet

SODL flat fee brokerage

$5,097Estimated buyer credit

SODL platform fee $3,000Your buyer credit $5,097

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

$1,824/mo

Principal & interest$1,418

Property taxes$316

Home insurance (est.)$90

Down payment

$53,980

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.