306 9th Ave S, Saint Cloud, MN, 56301
About This Home
DUPLEX – Offset Your Mortgage in a Prime Location! Just a short walk from downtown St. Cloud and directly across from scenic Lake George, this well-maintained up/down duplex is a smart investment with long-term potential. Main level unit offers 3 spacious bedrooms and 1 bathroom, providing comfortable and functional living space that appeals to a wide range of tenants. Upper unit has 2 bedrooms with a quaint kitchen and family room. Both units are currently rented, making this a true turnkey opportunity for investors or future owner-occupants looking to offset their mortgage with rental income. The location is unbeatable—residents enjoy year-round access to walking and biking paths, community events, and beautiful lake views right outside their front door. Whether you're looking to grow your rental portfolio or secure a property with built-in income, this duplex delivers on location, value, and versatility. Plus, the neighboring duplex at 308 9th Ave S is also available and can be purchased together to maximize your investment potential.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1905
Materials
- Roof: Age Over 8 Years,Asphalt
- Construction materials: Brick
Type & Style
- Home type: MultiFamily
- Property subType: Duplex Up and Down
Interior
Appliances
- Laundry features: None
Basement
- Has basement: Yes
- Basement: Full,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
Features
- Finished area below ground: 0
- Finished area above ground: 2,234
Heating
- Heating features: Hot Water
Interior Area
- Total structure area: 3,088
- Total interior livable area: 3,088 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 82522410000
- Foundation area: 1380
Features
- Levels: Two
- Pool features: None
- Patio & porch: Covered,Front Porch
Lot
- Lot size: 9,147 sqft
- Lot size dimensions: 78 x 125 x 66 x 140
Parking
- Parking features: Paved Lot
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Strong Wind
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Stearns County and Minnesota
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,125 | $13,500 |
| Home Insurance * | $140 | $1,680 |
| Property Taxes | $288 | $3,456 |
| Electricity | $260 | $3,125 |
| Total | $1,813 | $21,756 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-02-18 | Price change | $225,000 |
| 2025-07-28 | Listed for sale | $230,000 |
| 2023-07-06 | Listing removed | -- |
| 2023-05-26 | Price change | $895 |
| 2023-05-25 | Price change | $950 |
| 2023-05-15 | Price change | $995 |
| 2023-04-01 | Listed for rent | $1,095 |
| 2022-07-25 | Sold | $160,000 |
| 2022-06-17 | Pending sale | $179,900 |
| 2022-05-16 | Price change | $179,900 |
| 2022-05-10 | Listed for sale | $169,900 |
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