Pending
$329,900
$178/sqft

Waters Edge At Don Lake

4728 4th Street Loop, Saint Cloud, MN, 56304
3  Bedrooms3  Bathrooms1,851  Square Feet0.479  Acres
Days on market39
Year built2005
Garage spaces3
HOA / month$324
TypeResidential
Est. $6,897buyer credit when you buy with SODL

About this home

Welcome to this spacious four-level split in the Sauk Rapids school district, offering a comfortable layout, great outdoor space, and plenty of room to make it your own! The open-concept main level creates an inviting flow between the kitchen, dining, and living areas. The kitchen features a granite center island, perfect for meal prep or gathering with family and friends. Upstairs, the primary bedroom suite offers a comfortable retreat with a walk-in closet, projector, and full private bathroom. Laundry is conveniently located right across the hall, while a second bedroom and full bathroom complete the upper level. Downstairs, the walk-out lower-level family room provides a cozy place to relax around the gas fireplace, with convenient access to the hot tub just outside. This level also features a third bedroom and 3/4 bathroom, providing a great space for guests, a home office, and more. The fourth level features an unfinished basement with valuable potential for additional living space. Whether you envision a home gym, hobby room, or workshop, the possibilities are endless. The home has also seen several updates, including a new washer and dryer in 2019, new roof and high-efficiency electric heat pump water heater in 2022, new range in 2024, and new refrigerator in 2026. Outside, enjoy a large yard with no backyard neighbors, creating both added privacy and a peaceful setting where you can watch wildlife right from your own property. The hot tub and two-tiered deck create a great spot to unwind or entertain, while the three-stall heated garage provides generous space for vehicles, toys, storage, and projects throughout the year. Located near golf, shopping, dining, and other local amenities, this home combines space, comfort, privacy, and convenience in a desirable location. Come see everything this property has to offer!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2005
LevelsFour or More Level Split
Living area1,851 sqft
Above-grade finished1,234 sqft
Below-grade finished617 sqft
Lot size0.479 acres (38' x 25' x 203' x 28' x 189' x 131')
Days on market39
ListedAug 11, 2026
MLS #NST7125092
CountyBenton
SubdivisionWaters Edge At Don Lake
Parcel #170186600

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Dryer, Electric Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Four or More Level Split
Garage
3 spaces · 26' x 32' · 880 sqft
Parking features
Attached Garage, Heated Garage, Insulated Garage
Patio & porch
Deck
Exterior features
Stone, Steel Siding
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Brick, Concrete, Steel Siding
Foundation
Block · 1,234 sqft
Roof
Age 8 Years or Less, Asphalt, Pitched
Year built
2005

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision
Waters Edge At Don Lake
HOA
$324/annual
HOA name
Property Solutions, LLC
HOA phone
7634240300
HOA includes
Shared Amenities
School district
47 - Sauk Rapids-Rice

Financial & listing details

Annual tax
$4,396 (2026)
Listed
Aug 11, 2026
Days on market
39
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Drain Tiled, Sump Pump, Walkout
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryLaundry Room, Sink, Upper Level
AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Electric Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningKitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Hot Tub, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Vaulted Ceiling(s)
AccessibilityNone
Special features2nd Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Steel Siding
RoofAge 8 Years or Less, Asphalt, Pitched
FoundationBlock
Foundation area1,234 sqft
Patio/porchDeck
Road frontageCity Street, Curbs, Paved Streets, Sidewalks, Street Lights, Storm Sewer
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Heated Garage, Insulated Garage
Garage spaces3
Garage size880 sqft

Financial details

Annual taxes$4,396
Tax year2026
Taxes w/ assessments4396
Assessment pendingNo
HOA fee$324
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District47 - Sauk Rapids-Rice
District number47
District phone3202534703
High schoolSauk Rapids-Rice
SODL flat fee brokerage
$6,897Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,897

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

$2,534/mo
Principal & interest$1,734
Property taxes$366
Home insurance (est.)$110
HOA fees$324
%
$65,980
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

4728 4th Street Loop, Saint Cloud, MN, 56304

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Listing information

MLS #NST7125092
StatusPending
Last updatedSep 19, 2026, 11:08 PM
Originally listedAug 11, 2026, 10:37 PM
Listing officeCentral MN Realty LLC

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.