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1663 39th St S, Saint Cloud, MN, 56301

3beds
2baths
1,485sqft
$349,900
$236price/sqft
$2,436/moest. monthly cost
$97,440/yrincome needed

About This Home

Beautifully designed with both style and functionality in mind, this 3-bedroom, 2-bath home offers modern comfort in a welcoming open-concept layout. Filled with natural light, the home features soaring 9-foot ceilings, durable luxury vinyl plank flooring, and a stunning kitchen complete with granite countertops, stainless steel appliances, and soft-close cabinetry. Thoughtfully designed for everyday living, the home also includes a convenient mudroom and dedicated laundry space. The private owner’s suite provides a relaxing retreat with an en-suite bath and spacious walk-in closet. Situated on a generously sized lot in St. Cloud, this home offers peaceful living just minutes from town amenities and highway access. Schedule your showing today!

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

3/10
South Junior High SchoolGrades 6-83.0 mi
3/10

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Asphalt
  • Construction materials: Concrete,Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 143
  • Dimensions: 11x13

Bedroom2

  • Level: Main
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Level: Main
  • Area: 100
  • Dimensions: 10x10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 99
  • Dimensions: 11x9

Features

  • Finished area below ground: 0
  • Finished area above ground: 1,485

Foyer

  • Level: Main
  • Area: 42
  • Dimensions: 6x7

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,485
  • Total interior livable area: 1,485 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 11x13

Laundry

  • Level: Main
  • Area: 35
  • Dimensions: 5x7

Living Room

  • Level: Main
  • Area: 374
  • Dimensions: 17x22

Property

Accessibility

  • Accessibility features: No Stairs Internal

Details

  • Parcel number: 82458170005
  • Zoning description: Residential-Single Family
  • Foundation area: 1485

Features

  • Levels: One
  • Stories: 1

Lot

  • Lot size: 0.33 Acres
  • Lot size dimensions: 60 x 218 x 74 x 261

Parking

  • Total spaces: 2
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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

  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding
Lightning

FEMA Declared Disasters in Stearns County and Minnesota

Flood
Severe Storm
Straight Line Winds

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

MonthlyAnnual
Mortgage $1,769$21,228
Home Insurance *$220$2,640
Property Taxes $277$3,324
Electricity $170$2,050
Total$2,436$29,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$83,520/yr
40% on housing$73,080/yr
45% on housing$64,960/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

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.

Insurance Growth Rate5-year average: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$236This listing

vs Other Active Listings

Avg $/sqft

ZIP 56301$133
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56301$148
Stearns County$148

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

DateEventPrice
2026-07-17Price change$2,395
2026-07-13Listed for rent$2,495
2026-06-08Listing removed$2,495
2026-06-05Listed for rent$2,495
2026-05-15Listed for sale$349,900
2025-11-18Listing removed$349,900
2025-07-22Listed for sale$349,900
2025-07-22Listing removed$349,900
2025-03-26Listed for sale$349,900
2025-02-12Sold$28,000
2025-01-10Pending sale$28,900
2024-11-07Listed for sale$28,900
2024-05-18Listing removed--
2023-05-17Listed for sale$39,900
2022-12-16Listing removed--
2022-04-05Listed for sale$39,000
2021-12-24Listing removed--
2021-09-01Listed for sale$37,500

For Sale by Agent

AgentPrice Realty
BrokerageeXp Realty

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