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 $580 (2025).

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 103 days.

Sold / Closed

$165,000

Sold price · Closed May 8, 2026

$146/sqft

Maple Oaks 2nd Add

4468 109th Avenue, Clear Lake, MN, 55319

3 Bedrooms2 Bathrooms1,270 Square Feet0.67 Acres

Days on market103

Year built1960

Garage spaces1

TypeResidential

Est. $2,550buyer credit when you buy with SODL

About this home

3 BR Home just SE of St. Cloud across the street from Briggs Lake in the municipality of Palmer. Laminate flooring on main floor. Walkout basement to tuck-under garage Large front yard and garden shed in back yard. Lower level does have some water damage and is in need of renovation.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1960

LevelsOne

Living area1,270 sqft

Above-grade finished924 sqft

Below-grade finished346 sqft

Lot size0.67 acres (148x323x67x268)

Days on market103

ListedAug 22, 2025

MLS #NST6776966

CountySherburne

SubdivisionMaple Oaks 2nd Add

Parcel #40004050190

Facts & features

Interior

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

Property

Levels / stories: One
Garage: 1 space · 15 x 26 · 390 sqft
Parking features: Tuckunder Garage
Patio & porch: Deck
Exterior features: Fiber Board
Other structures: Storage Shed

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 884 sqft
Roof: Age Over 8 Years
Year built: 1960

Utilities

Water: Well
Sewer: Private Sewer
Fuel: Natural Gas

Community & HOA

Subdivision: Maple Oaks 2nd Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $580 (2025)
Listed: Aug 22, 2025
Days on market: 103
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementPartially Finished

HeatingForced Air

CoolingCentral Air

LaundryLower Level

AppliancesDryer, Range, Refrigerator, Washer

DiningKitchen/Dining Room

AccessibilityNone

Exterior & lot

ExteriorFiber Board

RoofAge Over 8 Years

FoundationBlock

Foundation area884 sqft

Patio/porchDeck

Road frontagePaved Streets

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerPrivate Sewer

FuelNatural Gas

Parking & garage

ParkingTuckunder Garage

Garage spaces1

Garage size390 sqft

Financial details

Annual taxes$580

Tax year2025

Taxes w/ assessments580

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

$2,550Estimated buyer credit

SODL platform fee $3,000Your buyer credit $2,550

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

$1,082/mo

Principal & interest$972

Property taxes$48

Home insurance (est.)$62

Down payment

$37,000

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.