913 12th Ave S, Saint Cloud, MN, 56301
About This Home
Welcome to this well-maintained 2-bedroom, 2-bath home in a convenient South St. Cloud location, just a short walk to beautiful Lake George. The home features durable steel siding, maintenance-free vinyl windows, and a detached 2-stall garage with low-maintenance vinyl siding. Inside, you'll find comfortable living spaces highlighted by an electric fireplace, forced-air natural gas heat, and central air conditioning for year-round comfort. The lower level includes a finished room that could become a legal third bedroom with the addition of an egress window, offering a great opportunity to add value and additional living space. Whether you're looking for your first home, a place to downsize, or an investment opportunity, this property offers solid construction, future potential, and a location that's close to parks, shopping, dining, and other everyday conveniences.
Getting Around
Somewhat Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1924
Materials
- Roof: Age 8 Years or Less,Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Freezer,Microwave,Range,Refrigerator,Washer
- Laundry features: In Basement,Lower Level,Laundry Room
Basement
- Has basement: Yes
- Basement: Finished
Bedroom
- Level: Main
- Area: 126.5
- Dimensions: 11x11.5
Bedroom2
- Level: Main
- Area: 115
- Dimensions: 10x11.5
Bedroom3
- Level: Basement
- Area: 115.5
- Dimensions: 11x10.5
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 143
- Dimensions: 11x13
Family Room
- Level: Basement
- Area: 210
- Dimensions: 21x10
Features
- Number of fireplaces: 1
- Fireplace features: Electric,Living Room
- Fireplace: Yes
- Finished area below ground: 900
- Finished area above ground: 1,036
Heating & Cooling
- Heating features: Forced Air,Fireplace(s)
- Cooling features: Central Air
Interior Area
- Total structure area: 2,072
- Total interior livable area: 1,936 sqft
Kitchen
- Level: Main
- Area: 110
- Dimensions: 11x10
Living Room
- Level: Main
- Area: 165
- Dimensions: 15x11
Recreation Room
- Level: Basement
- Area: 200
- Dimensions: 20x10
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 82508390000
- Zoning description: Residential-Single Family
- Foundation area: 1036
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Patio
Lot
- Lot size: 4,791 sqft
- Features: Near Public Transit
- Lot size dimensions: 41 x 122 x 41 x 122
Parking
- Total spaces: 2
- Parking features: Detached Garage,Concrete,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Inland Flooding
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 | $934 | $11,208 |
| Home Insurance * | $116 | $1,392 |
| Property Taxes | $162 | $1,944 |
| Electricity | $170 | $2,050 |
| Total | $1,382 | $16,584 |
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)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-11 | Pending sale | $184,900 |
| 2026-06-29 | Listed for sale | $184,900 |
For Sale by Agent
View on Zillow