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 $3,336.88 (2026).

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 3-car garage.

How long has this property been on the market?

This property has been listed for 29 days.

Listed at

$210,000

$145/sqft

Cumming Add To St Cloud

831 Cumming Lane, Saint Cloud, MN, 56301

3 Bedrooms2 Bathrooms1,444 Square Feet0.29 Acres

Days on market29

Year built1979

Garage spaces3

TypeResidential

Est. $3,300buyer credit when you buy with SODL

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About this home

4-level with maintenance free siding. Quiet street and nicely treed lot. 3 bedrooms plus den and 2 baths. Great 4th level has room for future living space. Large double garage. Great location is close to golf course and Beaver Island Walking Trail along the Mississippi River

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1979

LevelsFour or More Level Split

Living area1,444 sqft

Above-grade finished964 sqft

Below-grade finished480 sqft

Lot size0.29 acres (130x180x15x174)

Days on market29

ListedSep 10, 2026

MLS #NST7142627

CountyStearns

SubdivisionCumming Add To St Cloud

Parcel #82464110510

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Baseboard
Cooling: Ductless Mini-Split
Basement: Full, Partially Finished · 480 sqft finished

Property

Levels / stories: Four or More Level Split
Garage: 3 spaces · 484 sqft
Parking features: Attached Garage
Exterior features: Steel Siding
Lot size: 0.29 acres
Lot dimensions: 130x180x15x174

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 932 sqft
Year built: 1979

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Electric

Community & HOA

Subdivision: Cumming Add To St Cloud
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $3,336.88 (2026)
Tax with assessments: 6660
Listed: Sep 10, 2026
Days on market: 29 · 135 cumulative
Lender owned: Yes
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementFull, Partially Finished

HeatingBaseboard

CoolingDuctless Mini-Split

AccessibilityNone

Exterior & lot

ExteriorSteel Siding

FoundationBlock

Foundation area932 sqft

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelElectric

Parking & garage

ParkingAttached Garage

Garage spaces3

Garage size484 sqft

Financial details

Annual taxes$3,336.88

Tax year2026

Taxes w/ assessments6660

Assessment pendingUnknown

Down payment resourceYes

Lender ownedYes

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$3,300Estimated buyer credit

SODL platform fee $3,000Your buyer credit $3,300

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

$1,452/mo

Principal & interest$1,104

Property taxes$278

Home insurance (est.)$70

Down payment

$42,000

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.