Active
$194,900

538 2nd Street SE, Saint Cloud, MN, 56304

3  Bedrooms1  Bathroom1,204  Square Feet0.321  Acres
Days on market49
Year built1941
Garage spaces1
Potential $2,847buyer credit when you buy with SODL
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About this home

Charming Two-Story tucked beneath mature shade trees on a spacious lot. With its covered front porch, detached garage, and generous fully fenced yard, this property offers a great place to call home. Step inside to find trendy finishes and a spacious kitchen featuring stainless steel appliances, spacious living room and main floor bedroom — perfect for everyday living and entertaining alike. Upstairs are two additional nice size bedrooms with full closets and padded carpeting. The lower level offers a bonus family/rec room and a dedicated laundry and utility area, adding valuable functional space beyond the main living areas. Outside, enjoy the covered wraparound-style porch and expansive back deck — ideal for relaxing or entertaining — along with a detached garage and a large, tree-shaded yard offering plenty of privacy and outdoor space. This home has great bones and room to make it your own. Schedule your showing today!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1941
LevelsOne and One Half
Living area1,204 sqft
Above-grade finished1,204 sqft
Below-grade finished0 sqft
Lot size0.321 acres (97x134)
Days on market49
ListedSep 24, 2026
MLS #NST7150336
CountyBenton
SubdivisionVarners Add
Parcel #170043200

Facts & features

Interior

Bedrooms
3
Bathrooms
1
Bath breakdown
1 full
Heating
Forced Air
Cooling
Central Air
Appliances
Dryer, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
One and One Half
Garage
1 space · 18x24 · 432 sqft
Parking features
Detached Garage, Concrete
Patio & porch
Deck, Front Porch
Exterior features
Metal
Fencing
Chain Link, Full

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 728 sqft
Roof
Asphalt, Pitched
Year built
1941

Utilities

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

Community & HOA

Subdivision
Varners Add
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$1,570 (2026)
Tax with assessments
1580
Listed
Sep 24, 2026
Days on market
49 · 1 cumulative
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths1
3/4 baths0
Half baths0
1/4 baths0
BasementFull, Partially Finished, Unfinished
HeatingForced Air
CoolingCentral Air
LaundryIn Basement
AppliancesDryer, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningEat In Kitchen
AmenitiesDeck, Kitchen Window, Porch
AccessibilityNone
Special featuresMain Floor Bedroom

Exterior & lot

ExteriorMetal
RoofAsphalt, Pitched
FoundationBlock
Foundation area728 sqft
Patio/porchDeck, Front Porch
Lot featuresPublic Transit (w/in 6 blks), Corner Lot, Tree Coverage - Medium
Road frontageCity Street, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete
Garage spaces1
Garage size432 sqft

Financial details

Annual taxes$1,570
Tax year2026
Taxes w/ assessments1580
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
$2,847Estimated buyer credit
SODL platform fee $3,000Your buyer credit $2,847

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

$1,220/mo
Principal & interest$1,024
Property taxes$131
Home insurance (est.)$65
%
$38,980
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

538 2nd Street SE, Saint Cloud, MN, 56304

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Listing information

MLS #NST7150336
Last reported MLS statusActive
MLS record updatedOct 30, 2026, 1:52 PM
Originally listedSep 25, 2026, 10:38 AM
Listing officeCentral MN Realty LLC
Co-listing officeCentral MN Realty LLC

Status reflects the latest MLS record available to SODL, not independently confirmed current availability. 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.