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 $3,668 (2025).

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 2-car garage.

How long has this property been on the market?

This property has been listed for 19 days.

Listed at

$349,900

$110/sqft

River Terrace Add

937 Spruce Drive, Saint Cloud, MN, 56303

5 Bedrooms3 Bathrooms3,190 Square Feet0.46 Acres

Days on market19

Year built1976

Garage spaces2

TypeResidential

Est. $7,497buyer credit when you buy with SODL

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About this home

Welcome Home to 937 Spruce Drive! This exceptionally well-maintained home offers a rare combination of comfortable living spaces, throughout updates and plenty of room for family and guests featuring 5-Bedrooms and 3 Bathrooms, the home provides generous space for everyday living, entertaining, and relaxation. The finished basement creates an inviting additional retreat for family time, recreation, or flexible living needs. Numerous recent improvements provide peace of mind and modern convenience including new roof (2022), vinyl siding (2023), new deck & railings (2025), new storage shed (2025), all new kitchen appliances (2024), new Greenhouse (2025), partial backyard privacy fence (2025), therapeutic walk-in soaking/jet tub (2024) EV Rechargeable Unit in garage (2024) & newly installed ADT security system. Nature enthusiasts will appreciate the convenient location, just a 5-minute drive to Heritage Park featuring winding wooded nature trails. A well-cared for home with extensive recent improvements and plenty of space to grow. Come see all that 937 Spruce Drive has to Offer!

View this property at

Date

Sep 27, 2026

Time

5pm – 7pm

Address

937 Spruce Drive, Saint Cloud, MN, 56303

Listed By: Coldwell Banker Realty • NST7139659 • Source: Property Details provided by NorthstarMLS and may not match the public record.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1976

LevelsTwo

Living area3,190 sqft

Above-grade finished2,496 sqft

Below-grade finished694 sqft

Lot size0.46 acres (123x165)

Days on market19

ListedSep 10, 2026

MLS #NST7139659

CountyStearns

SubdivisionRiver Terrace Add

Parcel #82503050548

Facts & features

Interior

Bedrooms: 5
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Double Oven, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 2 spaces · 23x24 · 552 sqft
Parking features: Attached Garage, Concrete, Garage Door Opener
Patio & porch: Deck, Porch
Exterior features: Stone, Metal, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 1,248 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1976

Utilities

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

Community & HOA

Subdivision: River Terrace Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $3,668 (2025)
Listed: Sep 10, 2026
Days on market: 19 · 7 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Finished, Sump Pump

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryElectric Dryer Hookup, Main Level, Washer Hookup

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningInformal Dining Room, Living/Dining Room

AmenitiesDeck, Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Porch, Security System, Tile Floors, Washer/Dryer Hookup

AccessibilitySoaking Tub

Special features4 BR on One Level, All Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorStone, Metal, Vinyl

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,248 sqft

Patio/porchDeck, Porch

Road frontageCity Street, Paved Streets, Street Lights

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener

Garage spaces2

Garage size552 sqft

Financial details

Annual taxes$3,668

Tax year2025

Taxes w/ assessments3668

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

$7,497Estimated buyer credit

SODL platform fee $3,000Your buyer credit $7,497

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.

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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

$2,261/mo

Principal & interest$1,839

Property taxes$306

Home insurance (est.)$117

Down payment

$69,980

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.