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4215 32nd St S, Saint Cloud, MN, 56301

4beds
6baths
6,056sqft
$1,299,900
$215price/sqft
$9,376/moest. monthly cost
$375,040/yrincome needed

About This Home

Experience next-level living in this 2020-built walkout rambler on nearly 2 acres, complete with a 20x40 ft saltwater sport pool and a remarkable 26x40 ft indoor sport court. Step inside and you’ll immediately be captivated by the exceptional quality and high-end finishes and amenities throughout, including in-floor heat on both levels, ceilings of 9 feet or higher, and 8 foot doors, even in the lower level. The expansive great room features a soaring 10’8” ceiling and an impressive 10 ft wide electric fireplace, while the massive kitchen is a true showpiece with a large center island, double refrigerator, 48-inch gas Wolf cooktop, built-in Miele coffee machine, and an impressive pantry with prep sink. The primary suite offers a luxurious bath and a spacious walk-in closet with private laundry. The walkout lower level includes a large family room with a beautifully finished wet bar, two bedrooms each with private ensuites, a third lower bath near the exercise room, and a second laundry area conveniently located by the sport court. Outside, a large covered deck with glass railing overlooks the pool and tranquil pond beyond, with serene wetlands as your backdrop, and is complemented by two outdoor showers. The oversized 46x30 triple garage is heated with in floor heat, and is fully finished.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
33
BikeSomewhat Bikeable

Schools

3/10
South Junior High SchoolGrades 6-82.9 mi
3/10

Construction

Condition

  • Year built: 2020

Materials

  • Roof: Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Cooktop,Dishwasher,Dryer,Exhaust Fan,Microwave,Refrigerator,Stainless Steel Appliance(s),Wall Oven,Washer
  • Laundry features: Lower Level,Main Level

Basement

  • Has basement: Yes
  • Basement: Finished,Full,Walk-Out Access

Bedroom

  • Level: Main
  • Area: 221
  • Dimensions: 17x13

Bedroom2

  • Level: Main
  • Area: 195
  • Dimensions: 15x13

Bedroom3

  • Level: Lower
  • Area: 224
  • Dimensions: 16x14

Bedroom4

  • Level: Lower
  • Area: 224
  • Dimensions: 16x14

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 6
  • Full bathrooms: 2
  • 3/4 bathrooms: 3
  • 1/2 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 187
  • Dimensions: 17x11

Family Room

  • Level: Lower
  • Area: 540
  • Dimensions: 27x20

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric,Living Room
  • Fireplace: Yes
  • Finished area below ground: 3,561
  • Finished area above ground: 2,495

Heating & Cooling

  • Heating features: Boiler,Forced Air,In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 6,056
  • Total interior livable area: 6,056 sqft

Kitchen

  • Level: Main
  • Area: 273
  • Dimensions: 21x13

Living Room

  • Level: Main
  • Area: 294
  • Dimensions: 21x14

Other

  • Level: Lower
  • Area: 975
  • Dimensions: 39x25

Other

  • Level: Lower
  • Area: 120
  • Dimensions: 15x08

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 82511880134
  • Zoning description: Residential-Single Family
  • Foundation area: 3561

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: In Ground,Heated
  • Patio & porch: Composite Decking,Covered,Deck,Patio,Porch
  • Waterfront features: Pond

Lot

  • Lot size: 1.82 Acres
  • Lot size dimensions: 173 x 577 x 154 x 547

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Garage,Heated Garage,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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 WindVery High
  • Tornado
    TornadoVery High
  • Winter Weather
    Winter WeatherVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Ice Storm
    Ice StormModerate

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Lightning
Heat Wave
Inland Flooding
Ice Storm

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 $6,573$78,876
Home Insurance *$820$9,840
Property Taxes $1,473$17,676
Electricity $510$6,129
Total$9,376$112,512
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$321,462/yr
40% on housing$281,280/yr
45% on housing$250,026/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

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 56301$132
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
2026-04-02Listed for sale$1,299,900

For Sale by Agent

AgentMatt Wieber
BrokerageAgency North Real Estate, Inc

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