1515 2nd Street N, Saint Cloud, MN 56303

$195,000

1515 2nd Street N
Saint Cloud, MN 56303
MLS# 7104423
4 beds | 2 baths | 2484 sqft

Dramatic night shot of your future home! Comes with a CINCH 1 year warranty, free to some lucky buyer.
This is the best value in St. Cloud!!!

1 / 38

Independently Pre-inspected by AmeriSpec and Warranted for 1 year after closing by CINCH Warranty, this is a terrific starter home or investment property. The best value in Saint Cloud. Looks like a duplex with two front entry options, but SFH!

This view from the living room/dining area, back toward one of the front entries.

This view of the fully functional kitchen with plenty of room for an eat-in table or floating island.

This view is as you enter the home from the entry door on the right of the home. Lots of natural light from South side windows.

This space could be a main level family room or an informal dining room, depending upon your needs. Double doors lead to the back yard and 3 car garage!

Looking back from the fridge and stove towards the front entrance on the right, stairs to the upstairs in the middle and door to one of the main floor bedrooms on the left. Lots of recessed lighting in the kitchen along with great natural lighting.

From the dining room/family room back toward the right front entry. Flat screen, wall mounted TV conveys with the home.

This is the main floor 3/4 bathroom immediately to the left of the left front door entrance. Very spacious. It supports the two main level bedrooms.

This is one of the main level bedrooms with plenty of electrical outlets!

This main level, back bedroom is currently set-up as a workout room. The flat screen, mounted TV conveys with the home. All the TV's are functioning with remotes, but are not guaranteed by the CINCH Home Warranty!

This is the upstairs front bedroom. A new Goodman Central Air unit was installed on 7/8/2026. Window unit is gone. The flat screen, wall mounted TV will convey with the home. It is working and has a remote, but no warranty. New carpet upstairs.

West side upstairs bedroom is nice sized and has a walk-through to the large upstairs 3/4's bathroom. New carpet and blinds.

This is the upstairs family room with fresh paint and new carpeting. The door to the rear is one of the entrances to the upstairs bathroom. The wall mounted, flat screen TV, conveys with the property. Functioning at time of listing but not warranted

This shot is from the West, upper bedroom door looking back to the stairway to the lower level in the background. New carpeting, new blinds fresh paint throughout the upper level.

This view is from the upper level bathroom back through the family room with views of the backyard and 3 car, detached garage. New flush mounted lighting fixture.

Upstairs hallway is wide enough to be a nice office space.

Top of the stairway, front bedroom door on the left, family room in the background. New carpeting and fresh paint.

Upstairs 3/4 bathroom with walk-through open door to the primary bedroom in the background. Shower entrance to the right of the towel bar.

Another view of the large, 3/4, upstairs bathroom from the shower end. The door between the toilet and vanity leads to the upstairs family room. New blinds!

The basement is clean and well lit for laundry Newer washer and dryer. Some glass block windows have been added. The pre-inspection identified moisture levels in the walls, but only 1 minor episode in 3 years. This basement is for storage!

Another shot of the unfinished basement. Earlier this year, two new support beams were added to address some main level floor sloping. The floor has settled as far as it can!

The back yard is great for dogs or kids. Fencing is definitely a possibility.

The detached 3 car garage is entered through the alley and a service door on the back leads to the home. The garage is being used as the seller's POD so pardon the "stuff". All be gone by closing. It is deep enough for big trucks.

Back yard side view. Garage is hiding behind overgrown bush on the right.

From the sidewalk between the homes back towards the 3 car garage.

Elevated view of the rear of the home and large shade tree in back yard.

Another closer elevated view of the rear of the home.

Another roof drone. Pre-inspection noted possible hail and/or storm damage. Currently under review by roofing contractor out the week of 7/8/226. Updates to be provided.

Full lot overview outlined in red. Estimated mowing time is 30 minutes.

Tree canopy covers the 3 car detached garage with it's estimated 6 year old Timberland roof.

1515 2nd Basement floor plan. Lots of dry storage space!

1515 2nd Street North Main Level floor plan.

1515 2nd Street North Upstairs floor plan.

Property Description
If you are a 1st time home buyer, this could be the perfect home for you! We have already had the home independently pre-inspected by AmeriSpec, a recognized leader in the industry. A full, independent inspection report is available for review on MLS before showing. The home also comes with a one-year, full home warranty through CINCH Home Warranty. While this home has a brand new central air conditioner, and a newer furnace, all the mechanicals and appliances are covered for one year after closing. If a claim occurs, you call CINCH and the problem is repaired or the item replaced for a $100 deductible. Take the worries out of buying! This is the best home for the money in Saint Cloud today! If you are an investor, run the numbers and you will see that with 4 modestly priced renters, you will be cash flowing from day 1! Four bedrooms, 2 3/4 baths, and a bonus 3 car garage within a mile of Saint Cloud State! Some parents with a student starting in the fall could buy this property now, rent out 3 rooms to his/her friends, and in 4 years sell for a profit paying for the 4 year degree!

Details

Maps

Documents

Contract Information

Owner is an Agent?: No

Auction?: No

Status: Active

Contingency: None

Current Price: $195,000

Original List Price: 226000

ListPrice: 195000

List Date: 2026-07-06

Office/Member Info

Association: MAAR

General Property Information

# Carport Spaces: 0

Common Wall: No

Lot Measurement: Square Feet

Manufactured Home?: No

Multiple PIDs?: No

New Development: No

Number of Fireplaces: 0

Other Parking Spaces: 0

Waterfront YN: No

Year Built: 1910

Yearly/Seasonal: Yearly

Zoning: Residential-Single Family

Lot Dimensions: 50x120

Bath Three Quarters: 2

Bath Half: 0

Bath Quarter: 0

Main Floor Total SqFt: 828

Above Grd Total SqFt: 1656

Below Grd Total SqFt: 828

Total SqFt: 2484

Total Finished Sqft: 1656.00

FireplaceYN: No

Foundation Size: 828

Lot Size SqFt: 5400

Style: (SF) Single Family

Garage Stalls: 3

Association Fee: 0

Assessment Pending: No

Bedrooms: 4

Baths Total: 2

Location, Tax and Other Information

AssocFeeYN: No

Legal Description: LOT 2 BLOCK 3 & S 8' OF VAC ALLEY ADJ PLATTES ADD SECTION 14 TOWNSHIP 124 RANGE 028

Listing City: Saint Cloud

Map Page: 231

Municipality: Saint Cloud

School District: St. Cloud

School District Phone: 320-253-9333

Zip Plus 4: 4509

Property ID Number: 82499600000

Tax Year: 2026

Tax Amount: 942

In Foreclosure?: No

Potential Short Sale?: No

Lender Owned?: No

Directions & Remarks

Public Remarks: If you are a 1st time home buyer, this could be the perfect home for you! We have already had the home independently pre-inspected by AmeriSpec, a recognized leader in the industry. A full, independent inspection report is available for review on MLS before showing. The home also comes with a one-year, full home warranty through CINCH Home Warranty. While this home has a brand new central air conditioner, and a newer furnace, all the mechanicals and appliances are covered for one year after closing. If a claim occurs, you call CINCH and the problem is repaired or the item replaced for a $100 deductible. Take the worries out of buying! This is the best home for the money in Saint Cloud today! If you are an investor, run the numbers and you will see that with 4 modestly priced renters, you will be cash flowing from day 1! Four bedrooms, 2 3/4 baths, and a bonus 3 car garage within a mile of Saint Cloud State! Some parents with a student starting in the fall could buy this property now, rent out 3 rooms to his/her friends, and in 4 years sell for a profit paying for the 4 year degree!

Directions: East on Division, left on 16th Ave N, left on 2nd

Accessible

None: 1

Air Conditioning

Central Air: 1

Appliances

Disposal: 1

Dryer: 1

Freezer: 1

Range: 1

Refrigerator: 1

Washer: 1

Assessments

Assessment Balance: 0

Tax With Assessments: 942

Assumable Loan

Not Assumable: 1

Basement

Concrete Block: 1

Full: 1

Storage Space: 1

Unfinished: 1

Bath Description

Main Floor 3/4 Bath: 1

Upper Level 3/4 Bath: 1

Walk Thru: 1

Building Information

Finished SqFt Above Ground: 1656

Construction Materials

Block: 1

Concrete: 1

Construction Status

Previously Owned: 1

Dining Room Description

Eat In Kitchen: 1

Living/Dining Room: 1

Electric

Circuit Breakers: 1

Existing Financing

Conventional: 1

Exterior

Metal: 1

Vinyl: 1

Family Room Characteristics

Family Room: 1

Fencing

None: 1

Foundation

Concrete Block: 1

Fuel

Natural Gas: 1

Heating

Forced Air: 1

Insurance Fee

Insurance Fee: 0

Internet Options

Cable: 1

Satellite: 1

Laundry

Electric Dryer Hookup: 1

Lower Level: 1

Washer Hookup: 1

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: MAAR

Supra: 1

Lot Description

Public Transit (w/in 6 blks): 1

Tree Coverage - Light: 1

Miscellaneous Information

DP Resource: Yes

Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 22x32

Garage Door Height: 7

Garage Door Width: 14

Garage Square Feet: 704

Garage Door Opener: 1

Public Survey Info

Range#: 28

Section#: 14

Township#: 124

Road Frontage

City Street: 1

Curbs: 1

Paved Streets: 1

Sidewalks: 1

Road Responsibility

Public Maintained Road: 1

Roof

Age Over 8 Years: 1

Asphalt Shingles: 1

Pitched: 1

Sellers Terms

Cash: 1

Conventional: 1

FHA: 1

VA: 1

Sewer

City Sewer/Connected: 1

Special Search

Main Floor Bedroom: 1

Stories

Two: 1

Water

City Water/Connected: 1

Location Tax and Other Information

House Number: 1515

Street Name: 2nd

Street Suffix: Street

Street Direction Suffix: N

Postal City: Saint Cloud

County: Stearns

State: MN

Zip Code: 56303

Complex/Dev/Subdivision: Plattes Add

Property Features

Accessible: None

Air Conditioning: Central Air

Appliances: Disposal; Dryer; Freezer; Range; Refrigerator; Washer

Assumable Loan: Not Assumable

Basement: Concrete Block; Full; Storage Space; Unfinished

Bath Description: Main Floor 3/4 Bath; Upper Level 3/4 Bath; Walk Thru

Construction Materials: Block; Concrete

Construction Status: Previously Owned

Dining Room Description: Eat In Kitchen; Living/Dining Room

Electric: Circuit Breakers

Existing Financing: Conventional

Exterior: Metal; Vinyl

Family Room Characteristics: Family Room

Fencing: None

Foundation: Concrete Block

Fuel: Natural Gas

Heating: Forced Air

Internet Options: Cable; Satellite

Laundry: Electric Dryer Hookup; Lower Level; Washer Hookup

Lock Box Type: Supra

Lot Description: Public Transit (w/in 6 blks); Tree Coverage - Light

Parking Characteristics: Garage Door Opener

Road Frontage: City Street; Curbs; Paved Streets; Sidewalks

Road Responsibility: Public Maintained Road

Roof: Age Over 8 Years; Asphalt Shingles; Pitched

Sellers Terms: Cash; Conventional; FHA; VA

Sewer: City Sewer/Connected

Special Search: Main Floor Bedroom

Stories: Two

Water: City Water/Connected

Room Information

Room Name	Dimensions	Level
Family Room	22x24	Upper
First (1st) Bedroom	12x10	Main
Fourth (4th) Bedroom	9x15	Upper
Kitchen	9x17	Main
Laundry	12x20	Lower
Living Room	9x16	Main
Office	8x5	Main
Second (2nd) Bedroom	10x10	Main
Third (3rd) Bedroom	11x9	Upper

Listing Office: Edina Realty, Inc.

Last Updated: August - 30 - 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.