Listed at
$414,900
$152/sqft

Rays 2nd Add

8645 163rd Street, Clearwater, MN, 55320
5  Bedrooms3  Bathrooms2,728  Square Feet2.423  Acres
Days on market53
Year built1977
Garage spaces2
TypeResidential
Est. $9,447buyer credit when you buy with SODL
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About this home

Completely renovated and move-in ready on almost 2.5 private, wooded acres! This 5 bed, 3 bath home has been updated from top to bottom: new A/C, furnace, water heater, windows and doors, fresh exterior and interior paint, all new flooring, and light fixtures throughout, and a new well pump and expansion tank. The main level features vaulted ceilings and an open floor plan centered around a classic white brick fireplace, with sliding doors leading to a deck overlooking mature trees. The brand new kitchen offers white cabinets, quartz counters, stainless steel appliances, and an eat in breakfast bar that flows into a bright dining area. Generous bedrooms sizes throughout, and the main level primary bedroom walks out to a large private deck. The walkout lower level is roughed-in for a full kitchen/bar and has direct access to the patio and yard! There are 3 more bedrooms, a spacious family room with a beautiful brick fireplace, and another beautifully updated bathroom with double sinks. A 2+ car attached garage and a long tree lined driveway round out this private, move-in ready property ready for its next owner!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1977
LevelsThree Level Split
Living area2,728 sqft
Above-grade finished1,496 sqft
Below-grade finished1,232 sqft
Lot size2.423 acres (190x616x270x554)
Days on market53
ListedAug 6, 2026
MLS #NST7122935
CountyWright
SubdivisionRays 2nd Add
Parcel #204123001140

Facts & features

Interior

Bedrooms
5
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Three Level Split
Garage
2 spaces · 25x23 · 575 sqft
Parking features
Attached Garage
Patio & porch
Deck, Patio
Exterior features
Wood
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block
Foundation
Block · 1,232 sqft
Roof
Asphalt
Year built
1977

Utilities

Water
Well
Sewer
Septic System Compliant - Yes
Fuel
Propane

Community & HOA

Subdivision
Rays 2nd Add
HOA
No HOA
School district
742 - St. Cloud
High school district
St. Cloud

Financial & listing details

Annual tax
$2,528 (2026)
Listed
Aug 6, 2026
Days on market
53
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementBlock, Egress Window(s), Finished, Full, Tile Shower, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces2
LaundryLaundry Room, Main Level, Sink
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningBreakfast Bar, Eat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room
AmenitiesDeck, Kitchen Center Island, Kitchen Window, Natural Woodwork, Patio, Paneled Doors, Vaulted Ceiling(s)
AccessibilityNone
Special features3 BR on One Level, Main Floor Laundry, Renovated

Exterior & lot

ExteriorWood
RoofAsphalt
FoundationBlock
Foundation area1,232 sqft
Patio/porchDeck, Patio
Lot featuresTree Coverage - Medium
ZoningResidential-Single Family

Utilities

Water sourceWell
SewerSeptic System Compliant - Yes
FuelPropane

Parking & garage

ParkingAttached Garage
Garage spaces2
Garage size575 sqft

Financial details

Annual taxes$2,528
Tax year2026
Taxes w/ assessments2528
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
$9,447Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,447

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

$2,529/mo
Principal & interest$2,180
Property taxes$211
Home insurance (est.)$138
%
$82,980
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

8645 163rd Street, Clearwater, MN, 55320

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Listing information

MLS #NST7122935
StatusActive
Last updatedSep 8, 2026, 3:45 PM
Originally listedAug 6, 2026, 12:41 PM
Listing officeKeller Williams Classic Rlty NW

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.