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112 16th Ave S, Saint Cloud, MN, 56301

3beds
3baths
2,016sqft
$224,900
$112price/sqft
$1,680/moest. monthly cost
$67,200/yrincome needed

About This Home

Check out this updated 3 bed, 3 bath home in St. Cloud! Step inside from the spacious porch into a bright main level featuring a large living room, separate dining area, and a kitchen with new cabinets. Enjoy fresh updates throughout, including new flooring and windows. Upstairs offers all three bedrooms conveniently located along with a full bath. The lower level features a spacious family room and a kitchenette with potential to become a full second kitchen—perfect for added flexibility or entertaining. Outside, you’ll find a detached 2-stall garage for extra storage and convenience. Don’t miss this move-in ready home with room to grow!

Getting Around

80
WalkingVery Walkable
0
TransitVery Limited Transit
69
BikeBikeable

Schools

2/10
3/10
South Junior High SchoolGrades 6-80.5 mi
3/10

Construction

Condition

  • Year built: 1924

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer

Basement

  • Has basement: Yes
  • Basement: Finished,Full

Bedroom

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

Bedroom2

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

Bedroom3

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

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 165
  • Dimensions: 15x11

Family Room

  • Level: Lower
  • Area: 162
  • Dimensions: 18x9

Features

  • Finished area below ground: 573
  • Finished area above ground: 1,344

Heating & Cooling

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

Interior Area

  • Total structure area: 2,016
  • Total interior livable area: 2,016 sqft

Kitchen

  • Level: Main
  • Area: 88
  • Dimensions: 11x8

Living Room

  • Level: Main
  • Area: 209
  • Dimensions: 19x11

Porch

  • Level: Main
  • Area: 161
  • Dimensions: 23x7

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 82444330000
  • Zoning description: Residential-Single Family
  • Foundation area: 672

Features

  • Levels: Two
  • Stories: 2

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 46 x 115

Parking

  • Total spaces: 2
  • Parking features: Detached Garage
  • 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
    Cold WaveRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Hail
    HailModerate
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Cold Wave
Lightning
Strong Wind
Tornado
Winter Weather
Hail
Inland Flooding

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 $1,137$13,644
Home Insurance *$141$1,692
Property Taxes $232$2,784
Electricity $170$2,050
Total$1,680$20,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$57,600/yr
40% on housing$50,400/yr
45% on housing$44,800/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

$112This 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
2026-04-30Listed for sale$224,900
2026-04-24Listing removed$1,850
2026-03-31Listed for rent$1,850
2024-01-24Listing removed--
2023-12-13Listed for rent$1,395
2021-04-09Listing removed--
2021-03-23Listed for rent$1,395
2020-06-13Listing removed$1,395
2020-05-21Listed for rent$1,395
2020-05-20Sold$118,500
2020-04-23Pending sale$125,000
2020-02-11Listed for sale$125,000

For Sale by Agent

AgentJanel Morgan
BrokerageMorgan & Co.

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