Sold / Closed
$224,900

Sold price · Closed Jul 29, 2026

$146/sqft

East St Cloud

656 E Saint Germain Street, Saint Cloud, MN, 56304
3  Bedrooms2  Bathrooms1,544  Square Feet0.181  Acres
Days on market45
Year built1950
Garage spaces2
TypeResidential
Est. $3,747buyer credit when you buy with SODL

About this home

Move-in ready and filled with charm, this beautifully updated 1.5-story home is an absolute must see. The main level welcomes you with fresh paint, gleaming hardwood flooring throughout, two comfortable bedrooms, and a fully remodeled bathroom featuring a brand-new window. Cooking and entertaining are seamless in the kitchen, which boasts modern stainless steel appliances and granite countertops which flows directly into an adjacent dining room. Upstairs, you will find a versatile loft and a third bedroom, while the basement provides a convenient 3/4 bathroom alongside incredible equity-building potential just waiting for your finishing touches. Enjoy ultimate peace of mind with a brand-new roof and siding installed in 2023, plus a fully fenced yard for your children or pets that also offer easy access to the two-car detached garage and additional alley parking. Schedule your showing today!

Contact us

Home facts

Property typeResidential
Property subtypeSingle Family
Year built1950
LevelsOne and One Half
Living area1,544 sqft
Above-grade finished1,488 sqft
Below-grade finished56 sqft
Lot size0.181 acres (72x110)
Days on market45
ListedJun 16, 2026
MLS #NST7093797
CountyBenton
SubdivisionEast St Cloud
Parcel #170020100

Facts & features

Interior

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

Property

Levels / stories
One and One Half
Garage
2 spaces · 24x22 · 528 sqft
Parking features
Detached Garage, Concrete
Exterior features
Steel Siding, Vinyl
Fencing
Chain Link
Lot size
0.181 acres

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Brick/Mortar · 992 sqft
Roof
Asphalt, Pitched
Year built
1950

Utilities

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

Community & HOA

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

Financial & listing details

Annual tax
$2,078 (2026)
Tax with assessments
2088
Listed
Jun 16, 2026
Days on market
45
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Unfinished
HeatingForced Air
CoolingCentral Air
AppliancesDishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Porch
AccessibilityNone

Exterior & lot

ExteriorSteel Siding, Vinyl
RoofAsphalt, Pitched
FoundationBrick/Mortar
Foundation area992 sqft
Lot featuresPublic Transit (w/in 6 blks), Tree Coverage - Medium
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete
Garage spaces2
Garage size528 sqft

Financial details

Annual taxes$2,078
Tax year2026
Taxes w/ assessments2088
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
$3,747Estimated buyer credit
SODL platform fee $3,000Your buyer credit $3,747

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

$1,430/mo
Principal & interest$1,182
Property taxes$173
Home insurance (est.)$75
%
$44,980
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

656 E Saint Germain Street, Saint Cloud, MN, 56304

Comparable homes

Listing information

MLS #NST7093797
StatusClosed
Last updatedAug 3, 2026, 4:13 PM
Originally listedJun 16, 2026, 10:58 AM
Listing officeCounselor Realty, Inc

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.