1234 Mill Creek Circle Saint Cloud, MN $ 400,000
1234 Mill Creek Circle
$ 400,000
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1234 Mill Creek Circle

Saint Cloud, MN, 56303
$ 400,000
Bedrooms5 Baths3.1 Sq 3,432

Monthly Estimate*

$ 2,763

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Single Family Home for sale in Saint Cloud, MN

for $400,000 with 5 bedrooms and 3 full baths, 1 half bath. This 3,432 square foot home was built in 1996 on a lot size of 0.4.

Welcome to this beautifully maintained two-story home offering 5 bedrooms, 4 bathrooms, and a spacious 3-car garage with exceptional living space inside and out. From the inviting curb appeal to the thoughtfully designed floor plan, this home blends comfort, functionality, and quality updates throughout. The bright main level is filled with natural light from abundant windows and features refinished hardwood floors, a spacious living room, a cozy family room with a fireplace, a private office, formal and informal dining spaces, main-level laundry, and an updated kitchen with painted cabinetry, granite countertops, tile backsplash, built-in wine rack, and stainless steel appliances. Step outside to the maintenance-free deck, stamped concrete patio, and screened cedar gazebo, creating multiple spaces to relax or entertain while overlooking the beautifully wooded backyard. Upstairs, you'll find four bedrooms, including a spacious primary suite with a walk-in closet and private bath featuring a soaking tub and separate shower. An additional 3/4 bathroom serves the remaining upper-level bedrooms. The finished lower level offers outstanding flexibility with a large recreation room, kitchenette complete with cabinetry, sink, microwave, dishwasher, and refrigerator, a fifth bedroom, a 3/4 bathroom, plus two additional flex rooms ideal for hobbies, fitness, a home office, or storage. Major updates include a hail-resistant roof, high-efficiency furnace and A/C, updated kitchen, remodeled upper-level bathrooms, refinished hardwood floors, maintenance-free deck, stamped concrete patio, screened cedar gazebo, new water heater, and attic insulation. Conveniently located near parks, walking and biking trails, pickleball courts, shopping, restaurants, healthcare, and recreation, this home offers an exceptional combination of space, thoughtful updates, and outdoor enjoyment.

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Single Family Contingent

Price

$ 400,000

Bedrooms

5

Full Bath

3

Half Bath

1

Property Type

Single Family

Taxes

$ 5,682

Style

Single Family

Lot Size

0.4

Year Built

1996

Town/City

Saint Cloud

County/Region

Stearns

MLS | Web ID

7040933

Features
General
Living Area 3432
Sewer City Sewer/Connected
Heating Forced Air
Cooling Central Air
Roof Age Over 8 Years Asphalt
Appliances Dishwasher Disposal Gas Water Heater Microwave Range Refrigerator Stainless Steel Appliances
HOA Fee 600
Garage Spaces 3
Association Fee Includes Shared Amenities
Pool Features Shared
Year Built 1996
Levels Two
Property Subtype Single Family
Tax Year 2026
Accessibility None
Assoc Fee Paid Per Annually
County Stearns
New Construction N
Property Type Residential
Association Amenities Other
HOA Y
Contingency Sale of Another Property
Subdivision Name Mill Creek
Other Structures Gazebo
Full Baths 1
Directions From Northway Drive turn Left on Stockinger Dr right on Forest Dr Left on Mill Creek Circle. Home will be on the right.
City Saint Cloud
Association Name Mill Creek HOA
High School District St. Cloud
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N N
Land Lease Y/N N
Tax Annual Amount 5682
Additional Parcels Y/N N
Standard Status Active
Lender Owned No
Amenities Unit Ceiling Fan(s) Deck Exercise Room Hardwood Floors Kitchen Window Primary Bedroom Walk-In Closet Patio Porch Tile Floors Washer/Dryer Hookup Wet Bar Walk-In Closet
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Interior
Basement Block Egress Window(s) Finished Full Kitchenette Sump Pump
Total Fireplaces 2
Fireplace Features Amusement Room Family Room Gas
Basement (Y/N) Y
Fireplace Y/N Y
Above Grade Finished Area 2236
Half Baths 1
1/4 Baths 0
3/4 Baths 2
Laundry Features Electric Dryer Hookup Laundry Room Main Level Sink Washer Hookup
Total Bedrooms 5
Below Grade Finished Area 1196
Total Baths 4
Bath Desc 3/4 Basement Double Sink Bathroom Ensuite Full Primary Private Primary Main Floor 1/2 Bath Separate Tub & Shower Upper Level 3/4 Bath Upper Level Full Bath Walk-In Shower Stall
Dining Room Description Breakfast Bar Kitchen/Dining Room Separate/Formal Dining Room
Fuel Natural Gas
Garage Square Feet 792
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Exterior
Fencing Invisible
Parking Features Attached Garage Concrete Garage Door Opener
Lot Features Tree Coverage - Medium
Water Source City Water/Connected
Lot Size Area 0.4
Building Area Total 3496
Lot Dimensions 121x164x80x174
Waterfront Y/N N
Foundation Area 1260
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Internal Only
Street Number 1 1234
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* Excluded Features
List By
Keller Williams Classic Rlty Nw

Broker

abby@mnEliteHomeTeam.com

Email

Affordability Calculator

$3,236
Per Month
85%
15%
0%
Monthly Principal & Interest
$2,763
Monthly Property Taxes
$474
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
7/24/2026$400,000 Listed Price

Map


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1234 Mill Creek Circle, Saint Cloud, MN, 56303 is a Single Family Home for sale at $400,000 with 3,432 sqft and a lot size of 0.4. 1234 Mill Creek Circle has 5 bedrooms, 3.1 baths, and was built in 1996. The property's zip code is 56303 which is in Saint Cloud, MN