Listed at
$320,000
$223/sqft

Original Clearwater

435 Bluff Street, Clearwater, MN, 55320
2  Bedrooms2  Bathrooms1,437  Square Feet0.44  Acres
Days on market19
Year built1947
Garage spaces3
TypeResidential
Est. $6,600buyer credit when you buy with SODL
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About this home

Looking for more space without giving up a convenient location? This charming 1.5-story home sits on an almost half-acre lot and offers a rare combination of outdoor space, future potential, and a large detached 3-stall garage. Whether you need room for vehicles, recreational equipment, or additional storage, this garage delivers the flexibility that is hard to find. Inside, the home features 2 bedrooms, 2 bathrooms, beautiful hardwood floors, and low-maintenance vinyl windows. Step outside onto the expansive deck, offering plenty of room to grill, entertain, or simply relax and enjoy the outdoors. The home was moved onto the property, at which time the electrical and plumbing systems throughout the home were updated. The unfinished lower level already includes egress windows and provides excellent storage along with exciting possibilities for additional finished living space. Conveniently located in Clearwater with quick access to I-94 and Highway 24, the property offers an easy connection to St. Cloud, Monticello, and surrounding communities. With nearly half an acre, a huge deck, large 3-stall garage, and room to add value, this property is packed with potential and ready for its next owner!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1947
LevelsOne and One Half
Living area1,437 sqft
Above-grade finished1,437 sqft
Below-grade finished0 sqft
Lot size0.44 acres (120 X 160)
Days on market19
ListedSep 10, 2026
MLS #NST7141823
CountyWright
SubdivisionOriginal Clearwater
Parcel #104010029020

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
One and One Half
Garage
3 spaces · 36 X 24 · 864 sqft
Parking features
Detached Garage, Concrete
Patio & porch
Deck
Exterior features
Vinyl
Lot size
0.44 acres

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 782 sqft
Roof
Age 8 Years or Less, Asphalt, Pitched
Year built
1947

Utilities

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

Community & HOA

Subdivision
Original Clearwater
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$3,384 (2026)
Listed
Sep 10, 2026
Days on market
19
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Egress Window(s), Unfinished
HeatingForced Air
CoolingCentral Air
LaundryIn Basement
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
DiningSeparate/Formal Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Tile Floors
AccessibilityNone

Exterior & lot

ExteriorVinyl
RoofAge 8 Years or Less, Asphalt, Pitched
FoundationBlock
Foundation area782 sqft
Patio/porchDeck
Road frontageCity Street, Paved Streets
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete
Garage spaces3
Garage size864 sqft

Financial details

Annual taxes$3,384
Tax year2026
Taxes w/ assessments3384
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
$6,600Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,600

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

$2,070/mo
Principal & interest$1,682
Property taxes$282
Home insurance (est.)$107
%
$64,000
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

435 Bluff Street, Clearwater, MN, 55320

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Listing information

MLS #NST7141823
StatusActive
Last updatedSep 25, 2026, 12:02 PM
Originally listedSep 10, 2026, 3:25 PM
Listing officeSODL

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.