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 $3,238 (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 53 days.

Listed at

$319,900

$185/sqft

970 Isabella Avenue

970 Isabella Avenue, Clearwater, MN, 55320

3 Bedrooms2 Bathrooms1,728 Square Feet0.273 Acres

Days on market53

Year built2004

Garage spaces3

TypeResidential

Est. $6,597buyer credit when you buy with SODL

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About this home

Welcome home to this well-maintained 3-bedroom, 2-bathroom property in the heart of Clearwater! The main level boasts a bright kitchen with a center island and a convenient walkout to the backyard deck, perfect for entertaining or enjoying quiet outdoors. You'll also find a comfortable family room, two bedrooms, and a full bathroom on the main level. The finished lower level provides additional living space with a second family room that walks out to the backyard, along with a third bedroom, a full bathroom, and a dedicated laundry area. Enjoy peace of mind with major updates already completed, including a new roof and siding in 2023, furnace and A/C in 2022, water heater and air-to-air exchanger in 2026. Step outside to relax around the fire pit and enjoy your outdoor space. This move-in-ready home offers a great layout, key updates, and a convenient location!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2004

LevelsSplit Entry (Bi-Level)

Living area1,728 sqft

Above-grade finished928 sqft

Below-grade finished800 sqft

Lot size0.273 acres (85x140)

Days on market53

ListedApr 29, 2026

MLS #NST7063647

CountyWright

Parcel #104032003120

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 3 spaces · 36x24 · 864 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener
Exterior features: Stone, Vinyl
Lot size: 0.273 acres
Lot dimensions: 85x140

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 928 sqft
Roof: Age 8 Years or Less, Asphalt, Pitched
Year built: 2004

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers

Community & HOA

HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $3,238 (2026)
Listed: Apr 29, 2026
Days on market: 53 · 6 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Drain Tiled, Finished, Full, Walkout

HeatingForced Air

CoolingCentral Air

LaundryLower Level

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningKitchen/Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Window, Natural Woodwork, Patio, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less, Asphalt, Pitched

FoundationBlock

Foundation area928 sqft

Lot featuresTree Coverage - Light

Road frontageCity Street, Curbs, Paved Streets

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener

Garage spaces3

Garage size864 sqft

Financial details

Annual taxes$3,238

Tax year2026

Taxes w/ assessments3238

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

$6,597Estimated buyer credit

SODL platform fee $3,000Your buyer credit $6,597

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

$2,058/mo

Principal & interest$1,681

Property taxes$270

Home insurance (est.)$107

Down payment

$63,980

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.