$249,000
Saint Cloud, MN 56303
MLS# 7102225
7 beds | 3 baths | 3800 sqft
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Property Description
Excellent opportunity for both investors or owner-occupants with immediate income potential! This spacious duplex, with almost 3,500 finished square feet, features a 3-bedroom upper unit and a 4-bedroom lower unit, offering an attractive layout for tenants and strong rental demand. Brand-new carpet on the main and lower levels provides a fresh update, making it easy to lease and minimizing upfront maintenance costs. Whether you're an experienced investor or looking to house hack your way into real estate, this property as a lot of upside. Live in one unit while renting the other to significantly offset your mortgage, or lease both units to maximize cash flow. Located on a desirable corner lot in a convenient St. Cloud neighborhood, the property also offers a large off-street parking pad, a valuable amenity for tenants. With the opportunity to place new tenants at current market rents, this huge duplex offers immediate upside and long-term wealth-building potential.
Details
Maps
Contract Information
Owner is an Agent?: No
Auction?: No
Status: Active
Contingency: None
Current Price: $249,000
Original List Price: 279000
ListPrice: 249000
List Date: 2026-07-02
Office/Member Info
Association: SPAAR
General Property Information
Lot Measurement: Acres
Multiple PIDs?: No
Owner Occupied: No
Waterfront YN: No
Year Built: 1910
Yearly/Seasonal: Yearly
Zoning: Residential-Multi-Family
Lot Dimensions: 83x102
Acres: 0.19
Main Floor Total SqFt: 1728
Below Grd Total SqFt: 932
Above Ground SqFt: 2868
Total SqFt: 3800
Total Finished Sqft: 3492.00
Foundation Size: 1802
Style: (MF) Duplex Up and Down
Garage Stalls: 0
Assessment Pending: Unknown
Bedrooms: 7
Baths Total: 3
Location, Tax and Other Information
Legal Description: 14 -124 -028 LOT 1 BLK 1 BARRONS CORNER
Listing City: Saint Cloud
Map Page: 231
Municipality: Saint Cloud
School District: St. Cloud
School District Phone: 320-253-9333
Zip Plus 4: 3442
Property ID Number: 82463360000
Tax Year: 2026
Tax Amount: 2310
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No
Directions & Remarks
Public Remarks: Excellent opportunity for both investors or owner-occupants with immediate income potential! This spacious duplex, with almost 3,500 finished square feet, features a 3-bedroom upper unit and a 4-bedroom lower unit, offering an attractive layout for tenants and strong rental demand. Brand-new carpet on the main and lower levels provides a fresh update, making it easy to lease and minimizing upfront maintenance costs.
Whether you're an experienced investor or looking to house hack your way into real estate, this property as a lot of upside. Live in one unit while renting the other to significantly offset your mortgage, or lease both units to maximize cash flow. Located on a desirable corner lot in a convenient St. Cloud neighborhood, the property also offers a large off-street parking pad, a valuable amenity for tenants. With the opportunity to place new tenants at current market rents, this huge duplex offers immediate upside and long-term wealth-building potential.
Directions: W St. Germain St to 14th Ave N, go left
Accessible
None: 1
Assessments
Assessment Balance: 0
Assessment Installment: 0
Tax With Assessments: 2310
Basement
Egress Windows: 1
Full: 1
Building Information
Finished SqFt Above Ground: 2821
Finished SqFt Below Ground: 671
Construction Status
Previously Owned: 1
Exterior
Aluminum Siding: 1
Fencing
None: 1
Foundation
Concrete Block: 1
Fuel
Natural Gas: 1
Heating
Forced Air: 1
Lease Details
Land Leased: Not Applicable
Lot Description
Corner Lot: 1
Tree Coverage - Light: 1
Miscellaneous Information
DP Resource: Yes
Homestead: No
Owner Pays
Sewer: 1
Taxes: 1
Water: 1
Ownership
Fractional Ownership: No
Parking Characteristics
Paved Lot: 1
Pool Description
None: 1
Road Frontage
Curbs: 1
Paved Streets: 1
Sidewalks: 1
Roof
Asphalt Shingles: 1
Sellers Terms
Cash: 1
Conventional: 1
Sewer
City Sewer/Connected: 1
Stories
Two: 1
Unit 1
Furnished?: No
Leased?: No
Level: Multi-Level
Unit Number: 1
Monthly Rent: 1550
Full Baths: 1
Total Rooms: 6
1/2 Baths: 1
Annual Rent: 18600
Finished SqFt: 2352
No. of Units Like This: 1
Total Baths: 2
Total Bedrooms: 4
Unit Details
Total Units: 2
Water
City Water/Connected: 1
Income and Expenses
Annual Caretaker Expense: 0
Annual Electric Expense: 0
Annual Fuel Expense: 0
Annual Gross Expenses: 0
Annual Gross Income: 0
Annual Insurance Expense: 0
Annual Maintenance Expense: 0
Annual Net Income: 0
Annual Repair Expense: 0
Annual Trash Expense: 0
Annual Water/Sewer Expense: 0
Total Annual Expenses: 0
Tenant Pays
Electricity: 1
Fuel: 1
Gas: 1
Unit 1 Appliances
Dryer: 1
Microwave: 1
Range: 1
Washer: 1
Unit 1 Special Search
Main Floor Bedroom: 1
3 BR on One Level: 1
Unit 2
Furnished?: No
Leased?: No
Unit Number: 2
Annual Rent: 17100
Finished SqFt: 1000
Full Baths: 1
Monthly Rent: 1425
No. of Units Like This: 1
Total Baths: 1
Total Bedrooms: 3
Total Rooms: 7
Unit 2 Bath Description
Upper Level Full Bath: 1
Location Tax and Other Information
House Number: 1324
Street Name: 1st Street
Street Direction Suffix: N
Postal City: Saint Cloud
County: Stearns
State: MN
Zip Code: 56303
Property Features
Accessible: None
Basement: Egress Windows; Full
Construction Status: Previously Owned
Exterior: Aluminum Siding
Fencing: None
Foundation: Concrete Block
Fuel: Natural Gas
Heating: Forced Air
Lot Description: Corner Lot; Tree Coverage - Light
Owner Pays: Sewer; Taxes; Water
Parking Characteristics: Paved Lot
Pool Description: None
Road Frontage: Curbs; Paved Streets; Sidewalks
Roof: Asphalt Shingles
Sellers Terms: Cash; Conventional
Sewer: City Sewer/Connected
Stories: Two
Tenant Pays: Electricity; Fuel; Gas
Unit 1 Appliances: Dryer; Microwave; Range; Washer
Unit 1 Special Search: Main Floor Bedroom; 3 BR on One Level
Unit 2 Bath Description: Upper Level Full Bath
Water: City Water/Connected
Listing Office: eXp Realty
Last Updated: September - 01 - 2026
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2026 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.
