Sold / Closed
$263,000

Sold price · Closed Oct 16, 2026

407 W Birch Street, Saint Joseph, MN, 56374

4  Bedrooms2  Bathrooms2,023  Square Feet0.2  Acres
Days on market30
Year built1961
Garage spaces1
Potential $4,650buyer credit when you buy with SODL

About this home

If you've been looking for a home in St. Joe, this one is definitely worth a look! Tucked into a quiet neighborhood, this 4-bedroom, 1.5-bath home offers a great layout with three bedrooms all on the main level. The kitchen is spacious with stainless steel appliances and opens right up to the backyard, making it easy to keep an eye on the kids, let the dog out, or head outside to grill. The fully fenced backyard is private and includes a pergola, perfect for relaxing after work or hanging out with friends on summer evenings. One of my favorite things about this home is the location. You're within walking distance to parks and all the charm of downtown St. Joseph, with local restaurants, shops, and community events just minutes away. It's the kind of home that just feels comfortable the minute you walk in. Come take a look, you might just feel right at home.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1961
LevelsOne
Living area2,023 sqft
Above-grade finished1,274 sqft
Below-grade finished749 sqft
Lot size0.2 acres (106x80)
Days on market30
ListedJul 31, 2026
MLS #NST7119168
CountyStearns
SubdivisionPark Terrace
Parcel #84537450000

Facts & features

Interior

Bedrooms
4
Bathrooms
2
Bath breakdown
1 full / 1 1/4
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
One
Garage
1 space · 30x12 · 360 sqft
Parking features
Attached Garage, Concrete, Tuckunder Garage
Patio & porch
Patio
Exterior features
Vinyl
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 840 sqft
Year built
1961

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Park Terrace
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$2,634 (2026)
Listed
Jul 31, 2026
Days on market
30
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths0
Half baths0
1/4 baths1
BasementEgress Window(s), Finished
HeatingForced Air
CoolingCentral Air
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
AccessibilityNone
Special features3 BR on One Level

Exterior & lot

ExteriorVinyl
FoundationBlock
Foundation area840 sqft
Patio/porchPatio
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Tuckunder Garage
Garage spaces1
Garage size360 sqft

Financial details

Annual taxes$2,634
Tax year2026
Taxes w/ assessments2634
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

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

$1,645/mo
Principal & interest$1,340
Property taxes$220
Home insurance (est.)$85
%
$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.

Location

407 W Birch Street, Saint Joseph, MN, 56374

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Listing information

MLS #NST7119168
Last reported MLS statusClosed
MLS record updatedOct 17, 2026, 12:59 AM
Originally listedJul 31, 2026, 9:37 PM
Listing officeCentral MN Realty LLC
Co-listing officeCentral MN Realty LLC

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.