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3513 21st Ave S, Saint Cloud, MN, 56301

4beds
3baths
3,557sqft
$599,900
$169price/sqft
$4,308/moest. monthly cost
$172,320/yrincome needed

About This Home

From the moment you arrive, the grand front entrance with stately pillars and an inviting covered front porch sets the tone for the exceptional craftsmanship and timeless elegance found throughout this stunning home. Rich woodwork, luxurious finishes, soaring ceilings, and breathtaking views of the private backyard and wildlife sanctuary create an atmosphere that is both sophisticated and welcoming. The living room is the heart of the home, showcasing custom built-ins, a beautiful gas fireplace, coffered ceilings, and striking cherry wood beams that add warmth and architectural character. Just beyond, the dining area is accented by dramatic floor-to-ceiling wood beams, creating an elegant yet comfortable space for entertaining and everyday gatherings. Designed with both beauty and functionality in mind, the gourmet kitchen features granite countertops, a walk-in pantry, a complete appliance package, beverage center with beverage refrigerator, Wolf cooktop, built-in oven, and an informal dining area with direct access to the outdoor patio. The open layout seamlessly connects the kitchen to the main living spaces while showcasing picturesque views of the backyard, wetlands, and abundant wildlife. The main-level owner's suite is a peaceful retreat, offering tranquil backyard views, a spacious walk-in closet, and a spa-inspired bath complete with granite countertops, dual vanities, a soaking tub, tiled walk-in shower, and private water closet. A second main-floor bedroom provides the flexibility to serve as a nursery, home office, library, or sitting room. Additional main-level amenities include a spacious laundry room with custom cabinetry and newer washer and dryer, a mudroom with generous pantry storage, central vacuum, and both formal and informal dining spaces thoughtfully designed for comfortable everyday living and effortless entertaining. The walkout lower level is equally impressive, featuring in-floor heat throughout, a spacious family room with a cozy fireplace, wet bar, surround sound system, and abundant storage. Three generously sized bedrooms, each with walk-in closets, offer exceptional comfort and privacy for family and guests. A dedicated workshop adds even more versatility, making this level ideal for recreation, hobbies, entertaining, or multigenerational living. Step outside to enjoy the beautifully landscaped grounds featuring a maintenance-free deck, expansive patio, and a private backyard overlooking protected wetlands and a peaceful wildlife sanctuary. An oversized heated three-stall garage with epoxy flooring completes this remarkable property. As an added bonus, the neighborhood association offers access to a beautifully maintained outdoor swimming pool. Enjoy all the fun and relaxation of poolside living without the time, expense, or maintenance of owning one yourself—a true lifestyle enhancement for summer entertaining and family enjoyment. This extraordinary home perfectly blends luxury, comfort, exceptional craftsmanship, and thoughtful design with resort-style amenities and an unparalleled natural setting. It's more than a home—it's a lifestyle you'll love coming home to.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
32
BikeSomewhat Bikeable

Schools

3/10
South Junior High SchoolGrades 6-82.7 mi
3/10

Construction

Condition

  • Year built: 2005

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Central Vacuum,Cooktop,Dishwasher,Dryer,Microwave,Refrigerator,Wall Oven,Washer,Water Softener Owned

Basement

  • Has basement: Yes
  • Basement: Daylight,Drain Tiled,Egress Window(s),Finished,Full,Sump Pump

Bedroom

  • Level: Main
  • Area: 240
  • Dimensions: 15X16

Bedroom2

  • Level: Lower
  • Area: 132
  • Dimensions: 12X11

Bedroom3

  • Level: Lower
  • Area: 144
  • Dimensions: 12X12

Bedroom4

  • Level: Lower
  • Area: 182
  • Dimensions: 14X13

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 154
  • Dimensions: 11X14

Family Room

  • Level: Lower
  • Area: 432
  • Dimensions: 24X18

Features

  • Central Vacuum
  • Number of fireplaces: 2
  • Fireplace features: Family Room,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 1,530
  • Finished area above ground: 2,027

Heating & Cooling

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

Interior Area

  • Total structure area: 4,054
  • Total interior livable area: 3,557 sqft

Kitchen

  • Level: Main
  • Area: 165
  • Dimensions: 15X11

Living Room

  • Level: Main
  • Area: 272
  • Dimensions: 17X16

Office

  • Level: Main
  • Area: 132
  • Dimensions: 12X11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 82464300113
  • Zoning description: Residential-Single Family
  • Foundation area: 2027

Features

  • Levels: One
  • Stories: 1
  • Pool features: Shared

Lot

  • Lot size: 0.36 Acres
  • Lot size dimensions: 111 x 139

Parking

  • Total spaces: 3
  • Parking features: Attached
  • 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 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 $3,033$36,396
Home Insurance *$378$4,536
Property Taxes $597$7,164
Electricity $300$3,600
Total$4,308$51,696
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,702/yr
40% on housing$129,240/yr
45% on housing$114,880/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

$169This 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)

No zestimate history available

Price History

DateEventPrice
2026-08-05Pending sale$599,900
2026-07-06Price change$599,900
2026-05-29Listed for sale$620,000
2021-06-21Sold$499,900
2014-04-22Sold$460,000
2013-08-16Listed for sale$529,900
2005-05-31Sold$541,118

For Sale by Agent

AgentAmy Legatt
BrokerageRE/MAX Results

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