Listed at
$799,900
$317/sqft

Whites River Estate

4218 White Drive, Saint Cloud, MN, 56303
3  Bedrooms4  Bathrooms2,527  Square Feet2.04  Acres
Days on market61
Year built1995
Garage spaces2
TypeResidential
Est. $20,997buyer credit when you buy with SODL
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About this home

Exceptional executive-style home nestled on a quiet dead-end road with the Sauk River as your backyard backdrop. This prime location offers the perfect blend of privacy and convenience, with CentraCare Plaza just a short walk or bike ride away. Step inside to discover quality craftsmanship and elegant finishes throughout, including rare imported hand-carved wood fireplaces, beautiful tile flooring, sparkling glass chandeliers, and a stunning double-sided fireplace that creates a warm, inviting focal point for multiple living spaces. The spacious primary suite offers a private deck overlooking the peaceful river setting—an ideal place to enjoy your morning coffee or unwind at the end of the day. Whether you're entertaining guests or enjoying a quiet evening at home, this property offers a unique combination of luxury, character, and natural beauty. If you've been searching for an executive home with distinctive architectural details, a picturesque riverfront setting, and an unbeatable location close to work, shopping, dining, and everyday amenities, this is a must-see opportunity. approximately 301ft of river frontage.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1995
LevelsThree Level Split
Living area2,527 sqft
Above-grade finished1,827 sqft
Below-grade finished700 sqft
Lot size2.04 acres (301x188x276x142x75x333)
Days on market61
ListedJul 28, 2026
MLS #NST7118864
CountyStearns
SubdivisionWhites River Estate
Parcel #82515420704

Facts & features

Interior

Bedrooms
3
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
Three Level Split
Garage
2 spaces · 713 sqft
Parking features
Attached Garage, Asphalt, Electric, Garage Door Opener, Paved Lot, Storage
Patio & porch
Deck, Front Porch, Rear Porch
Exterior features
Steel Siding
Fencing
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,827 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1995

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Whites River Estate
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$5,646 (2025)
Listed
Jul 28, 2026
Days on market
61 · 2 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementFinished, Full, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces3
LaundryElectric Dryer Hookup, Laundry Room, Main Level, Washer Hookup
AppliancesDishwasher, Dryer, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningEat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Separate/Formal Dining Room
AmenitiesFrench Doors, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Paneled Doors, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special featuresMain Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorSteel Siding
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area1,827 sqft
Patio/porchDeck, Front Porch, Rear Porch
Lot featuresIrregular Lot, Tree Coverage - Medium
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Electric, Garage Door Opener, Paved Lot, Storage
Garage spaces2
Garage size713 sqft

Financial details

Annual taxes$5,646
Tax year2025
Taxes w/ assessments5646
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
$20,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $20,997

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

$4,941/mo
Principal & interest$4,204
Property taxes$471
Home insurance (est.)$267
%
$159,980
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.

Location

4218 White Drive, Saint Cloud, MN, 56303

Listing information

MLS #NST7118864
StatusActive
Last updatedAug 3, 2026, 3:14 PM
Originally listedJul 30, 2026, 3:16 PM
Listing officeCentury 21 First Realty, Inc.

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.