1324 1st Street N Saint Cloud, MN $ 239,000
1324 1st Street N
$ 239,000
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1324 1st Street N

Saint Cloud, MN, 56303
$ 239,000
Bedrooms7 Baths2.1 Sq 3,492

Monthly Estimate*

$ 1,651

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Multi-Family Home for sale in Saint Cloud, MN

for $239,000 with 7 bedrooms and 2 full baths, 1 half bath. This 3,492 square foot home was built in 1910 on a lot size of 0.19.

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. NOTE: Some photos have been virtually staged to show some design potential.

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Multi-Family Active

Price

$ 239,000

Bedrooms

7

Full Bath

2

Half Bath

1

Property Type

Multi-Family

Taxes

$ 2,310

Style

Duplex Up and Down

Lot Size

0.19

Year Built

1910

Town/City

Saint Cloud

County/Region

Stearns

MLS | Web ID

7102225

Features
General
Living Area 3492
Sewer City Sewer/Connected
Heating Forced Air
Roof Asphalt
Garage Spaces 0
Pool Features None
Year Built 1910
Tenant Pays Electricity Fuel Gas
Levels Two
Property Subtype Duplex Up and Down
Tax Year 2026
Gross Income 0
Accessibility None
County Stearns
Net Operating Income 0
Operating Expense 0
Insurance Expense 0
New Construction N
Property Type Residential Income
Contingency None
MaintenanceExpense 0
Directions W St. Germain St to 14th Ave N go left
City Saint Cloud
High School District St. Cloud
Zoning Description Residential-Multi-Family
Number Of Units Total 2
Lot Size Units Acres
Land Lease Y/N N
Tax Annual Amount 2310
Electric Expense 0
Fuel Expense 0
Trash Expense 0
Water Sewer Expense 0
Additional Parcels Y/N N
Standard Status Active
Lender Owned No
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Interior
Basement Egress Window(s) Finished Full
Basement (Y/N) Y
Above Grade Finished Area 2821
Total Bedrooms 7
Below Grade Finished Area 671
Total Baths 3
Fuel Natural Gas
Garage Square Feet 0
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Exterior
Fencing None
Parking Features Asphalt Paved Lot
Lot Features Corner Lot Tree Coverage - Light
Water Source City Water/Connected
Lot Size Area 0.19
Building Area Total 3800
Lot Dimensions 83x102
Waterfront Y/N N
Foundation Area 1802
Road Frontage Type Curbs Paved Streets Sidewalks
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Internal Only
Street Number 1 1324
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* Excluded Features
List By
Exp Realty

Broker

mike.swenson@thepinnacleteamus.com

Email

Affordability Calculator

$1,843
Per Month
90%
10%
0%
Monthly Principal & Interest
$1,651
Monthly Property Taxes
$193
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 7.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
709352 Elementary School
709222 Middle School
Unknown High School High School
Pricing History
DatePricePrice ChangeDescription
9/24/2026$239,000 -4.02% Price Down
9/1/2026$249,000 -3.86% Price Down
7/30/2026$259,000 -3.72% Price Down
7/21/2026$269,000 -1.82% Price Down
7/10/2026$274,000 -1.79% Price Down
7/2/2026$279,000 Listed Price

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1324 1st Street N, Saint Cloud, MN, 56303 is a Multi-Family Home for sale at $239,000 with 3,492 sqft and a lot size of 0.19. 1324 1st Street N has 7 bedrooms, 2.1 baths, and was built in 1910. The property's zip code is 56303 which is in Saint Cloud, MN