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 $1,874 (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 1-car garage.

How long has this property been on the market?

This property was listed for 71 days.

Pending

$175,000

$131/sqft

Central Park Add

432 28th Avenue N, Saint Cloud, MN, 56303

2 Bedrooms2 Bathrooms1,333 Square Feet0.12 Acres

Days on market71

Year built1925

Garage spaces1

TypeResidential

Est. $2,250buyer credit when you buy with SODL

About this home

Very charming 2BR 2 Bath rambler nestled in the heart of St Cloud, located near parks. updated kitchen has all stainless appliances and hardwood floors, updated furnace and AC unit. Lots of charm throughout the home, basement has nice family room with a workshop and lots of storage area.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1925

LevelsOne

Living area1,333 sqft

Above-grade finished836 sqft

Below-grade finished497 sqft

Lot size0.12 acres (126x42)

Days on market71

ListedJul 8, 2026

MLS #NST7104923

CountyStearns

SubdivisionCentral Park Add

Parcel #82455310002

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories: One
Garage: 1 space · 12x18 · 216 sqft
Parking features: Attached Garage, Asphalt
Patio & porch: Deck
Exterior features: Metal
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Poured Concrete · 816 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1925

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Central Park Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $1,874 (2026)
Tax with assessments: 1882
Listed: Jul 8, 2026
Days on market: 71
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths0

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Partially Finished, Storage Space

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryIn Basement, Sink

AppliancesDishwasher, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

DiningLiving/Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Indoor Sprinklers, Kitchen Window, Natural Woodwork, Washer/Dryer Hookup

AccessibilityNone

Special featuresMain Floor Bedroom

Exterior & lot

ExteriorMetal

RoofAge Over 8 Years, Asphalt

FoundationPoured Concrete

Foundation area816 sqft

Patio/porchDeck

Lot featuresPublic Transit (w/in 6 blks), 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

Garage spaces1

Garage size216 sqft

Financial details

Annual taxes$1,874

Tax year2026

Taxes w/ assessments1882

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

$2,250Estimated buyer credit

SODL platform fee $3,000Your buyer credit $2,250

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

$1,134/mo

Principal & interest$920

Property taxes$156

Home insurance (est.)$58

Down payment

$35,000

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.