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 $1,668 (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 3-car garage.

How long has this property been on the market?

This property has been listed for 83 days.

Listed at

$315,000

$163/sqft

Second Add To Wildwood Add

4312 109th Avenue, Clear Lake, MN, 55319

4 Bedrooms2 Bathrooms1,936 Square Feet0.32 Acres

Days on market83

Year built1978

Garage spaces3

TypeResidential

Est. $6,450buyer credit when you buy with SODL

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About this home

Well-maintained one-owner home featuring views of Briggs Lake and a private backyard setting. This 4-bedroom home offers an open, functional layout with comfortable living spaces and a spacious deck to enjoy the private backyard. The oversized 25' x 35' garage provides plenty of room for vehicles, storage, and recreational equipment. There is also attic storage above the garage. Conveniently located with the option to open enroll in the Becker School District, this property offers a great combination of space, location, and scenic surroundings. Septic compliance completed in June 2026.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1978

LevelsSplit Entry (Bi-Level)

Living area1,936 sqft

Above-grade finished1,036 sqft

Below-grade finished900 sqft

Lot size0.32 acres (90x155)

Days on market83

ListedJul 6, 2026

MLS #NST7102025

CountySherburne

SubdivisionSecond Add To Wildwood Add

Parcel #40004070080

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Baseboard
Cooling: Ductless Mini-Split
Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 3 spaces · 25x35 · 875 sqft
Parking features: Attached Garage
Exterior features: Wood
Waterfront: Lake View
Lot size: 0.32 acres

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 988 sqft
Year built: 1978

Utilities

Water: Drilled, Well
Sewer: Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel: Electric

Community & HOA

Subdivision: Second Add To Wildwood Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $1,668 (2026)
Listed: Jul 6, 2026
Days on market: 83 · 65 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementDaylight/Lookout Windows, Finished, Full

HeatingBaseboard

CoolingDuctless Mini-Split

Fireplaces1

AppliancesDishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer

AccessibilityNone

Exterior & lot

ExteriorWood

FoundationBlock

Foundation area988 sqft

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well

SewerPrivate Sewer, Septic System Compliant - Yes, Tank with Drainage Field

FuelElectric

Parking & garage

ParkingAttached Garage

Garage spaces3

Garage size875 sqft

Financial details

Annual taxes$1,668

Tax year2026

Taxes w/ assessments1668

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

$6,450Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,450

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

$1,899/mo

Principal & interest$1,655

Property taxes$139

Home insurance (est.)$105

Down payment

$63,000

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.