Listed at
$344,900
$143/sqft

Waters Edge At Don Lake

4732 4th Street Loop, Saint Cloud, MN, 56304
4  Bedrooms3  Bathrooms2,406  Square Feet0.414  Acres
Days on market314
Year built2005
Garage spaces3
HOA / month$324
TypeResidential
Est. $7,347buyer credit when you buy with SODL
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About this home

Sauk Rapids School District. This home is situated on .414 acres that backs up to woods. The foyer has a large closet and custom bench with coat hooks. The flooring throughout the main level is vinyl plank and is easy to keep clean. Walk up 3 steps and into the dining area and kitchen with tiled floors. Large center island offers additional seating for larger gatherings. Step out onto the maintenance free composite deck and enjoy the birds or the occasional deer. turkey, or pheasants that frequently cross. The upper level has 2 bedrooms with one being the primary bedroom. A king-size bed still provides plenty of additional room for options of seating. There is a large closet with a ensuite full bathroom. The laundry room is also up on the top level. 2nd bedroom and an additional full bathroom completes the upper-level. Enter into the 3rd level which offers a bedroom, and full bathroom. This level includes a walk-out entry to a relaxing concrete patio. The basement was recently finished in 2023 and has a media room, bedroom, and office/storage. The three stall garage is heated and is 37x24 and can fit most big vehicles.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2005
LevelsFour or More Level Split
Living area2,406 sqft
Above-grade finished1,240 sqft
Below-grade finished1,166 sqft
Lot size0.414 acres (63x127x190x202)
Days on market314
ListedNov 17, 2025
MLS #NST6819124
CountyBenton
SubdivisionWaters Edge At Don Lake
Parcel #170186700

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
3 full
Heating
Forced Air
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Four or More Level Split
Garage
3 spaces · 24x37 · 888 sqft
Parking features
Attached Garage, Asphalt, Heated Garage, Insulated Garage
Patio & porch
Composite Decking, Deck, Patio
Exterior features
Stone, Vinyl
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block, Slab · 546 sqft
Roof
Age 8 Years or Less, Asphalt
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
$4,660 (2026)
Listed
Nov 17, 2025
Days on market
314 · 110 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths3
3/4 baths0
Half baths0
1/4 baths0
BasementBlock, Drain Tiled, Egress Window(s), Finished, Full, Sump Basket, Sump Pump
HeatingForced Air
CoolingCentral Air
LaundryLaundry Room, Upper Level
AppliancesAir-To-Air Exchanger, Dishwasher, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningKitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, French Doors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Paneled Doors, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Walk-In Closet
AccessibilityNone
Special features2nd Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl
RoofAge 8 Years or Less, Asphalt
FoundationBlock, Slab
Foundation area546 sqft
Patio/porchComposite Decking, Deck, Patio
Lot featuresIrregular Lot, Tree Coverage - Light
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, Heated Garage, Insulated Garage
Garage spaces3
Garage size888 sqft

Financial details

Annual taxes$4,660
Tax year2026
Taxes w/ assessments4660
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
$7,347Estimated buyer credit
SODL platform fee $3,000Your buyer credit $7,347

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

$2,640/mo
Principal & interest$1,813
Property taxes$388
Home insurance (est.)$115
HOA fees$324
%
$68,980
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

4732 4th Street Loop, Saint Cloud, MN, 56304

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Listing information

MLS #NST6819124
StatusActive
Last updatedJun 3, 2026, 3:58 PM
Originally listedNov 17, 2025, 8:03 PM
Listing officeKerber Castle Realty Group
Co-listing officeKerber Castle Realty Group

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.