351 20th Ave N, Saint Cloud, MN, 56303
About This Home
Short Sale – Investor Opportunity Property is being sold AS-IS and is priced to reflect condition. Sale is subject to lender approval, and the final price has not yet been approved by the servicer. We are currently accepting highest and best offers for the next 15 days, including a full weekend, before submitting the selected offer to the lender for approval. To be considered, buyers must submit the following with their offer: • Proof of funds (cash buyers preferred) • Earnest money deposit • Buyer must agree to complete a home inspection within 10 days of contract acceptance A flat short sale negotiation fee payable by the buyer at closing will apply. Details of this fee and transaction requirements are provided in the attached Short Sale Addendum available in MLS documents. This property presents a strong opportunity for investors and cash buyers willing to perform their own due diligence.
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Roof: Age Over 8 Years,Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Egress Window(s),Finished,Partially Finished
Bedroom
- Level: Main
- Area: 126
- Dimensions: 14x9
Bedroom2
- Level: Upper
- Area: 110
- Dimensions: 10x11
Bedroom3
- Level: Upper
- Area: 132
- Dimensions: 12x11
Bedroom4
- Level: Upper
- Area: 110
- Dimensions: 11x10
Bedroom5
- Level: Lower
- Area: 112
- Dimensions: 8x14
Bedroom6
- Level: Lower
- Area: 100
- Dimensions: 10x10
Bedrooms & Bathrooms
- Bedrooms: 6
- Bathrooms: 2
- Full bathrooms: 1
- 1/2 bathrooms: 1
Dining Room
- Level: Main
- Area: 130
- Dimensions: 13x10
Features
- Finished area below ground: 389
- Finished area above ground: 1,488
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Window Unit(s)
Interior Area
- Total structure area: 1,877
- Total interior livable area: 1,877 sqft
Kitchen
- Level: Main
- Area: 165
- Dimensions: 15x11
Living Room
- Level: Main
- Area: 156
- Dimensions: 13x12
Mud Room
- Level: Main
- Area: 80
- Dimensions: 8x10
Porch
- Level: Main
- Area: 144
- Dimensions: 18x8
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 82443610000
- Zoning description: Residential-Single Family
- Foundation area: 912
Features
- Levels: One and One Half
- Stories: 1
- Fencing: None
Lot
- Lot size: 5,662 sqft
- Features: Corner Lot
- Lot size dimensions: 46 x 126 x 46 x 126
Parking
- Total spaces: 2
- Parking features: Detached Garage,Concrete
- 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
- Cold Wave
- Hail
- Lightning
- Strong Wind
- Tornado
- 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 | $853 | $10,236 |
| Home Insurance * | $135 | $1,620 |
| Property Taxes | $128 | $1,536 |
| Electricity | $170 | $2,050 |
| Total | $1,286 | $15,432 |
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 |
|---|---|---|
| 2026-05-01 | Price change | $88,888 |
| 2026-01-08 | Price change | $215,000 |
| 2025-12-05 | Price change | $219,900 |
| 2025-10-29 | Listed for sale | $225,000 |
| 2022-09-07 | Sold | $186,000 |
| 2022-07-19 | Pending sale | $185,000 |
| 2022-07-08 | Listed for sale | $185,000 |
| 2021-01-29 | Sold | $165,000 |
| 2021-01-25 | Pending sale | $160,900 |
| 2021-01-25 | Listed for sale | $160,900 |
| 2021-01-25 | Pending sale | $160,900 |
| 2020-12-13 | Listed for sale | $160,900 |
| 2020-03-20 | Sold | $67,500 |
| 2020-02-06 | Price change | $69,900 |
| 2019-12-23 | Price change | $79,900 |
| 2019-11-09 | Price change | $84,900 |
| 2019-09-12 | Listed for sale | $89,900 |
| 2019-01-23 | Sold | $65,800 |
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