1521 Garfield Ct, Saint Cloud, MN, 56301
About This Home
Welcome to 1521 Garfield Court, St. Cloud—a charming, legal duplex in an outstanding location just minutes from Lake George, St. Cloud State University, and downtown St. Cloud. Whether you're looking to expand your investment portfolio or owner-occupy while generating rental income, this well-maintained property is a fantastic opportunity. The spacious main-level unit features 3 bedrooms, 1 full bathroom, beautiful hardwood floors, original oak trim, a generous kitchen with a dinette area, and a large bonus family room/seasonal porch offering additional living space. This unit is clean, move-in ready, and was previously rented for $1,250 per month. The upper-level unit offers 1 bedroom and 1 full bathroom with charming views of the surrounding neighborhood. It is currently rented for $800 per month, providing immediate rental income. The shared basement includes laundry facilities and ample storage for both units. Outside you'll find a 1-car detached garage, a private backyard, and attractive curb appeal. The property is well maintained inside and out, has a current rental license, and features reasonable 2026 property taxes of just $3,144. A turnkey duplex in a desirable location with strong rental history and excellent owner-occupant or investment potential.
Getting Around
Very Walkable
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1930
Type & Style
- Home type: MultiFamily
- Property subType: Duplex Up and Down
Interior
Appliances
- Laundry features: In Basement
Basement
- Has basement: Yes
- Basement: Block,Unfinished
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 2
Features
- Finished area below ground: 1,448
- Finished area above ground: 2,048
Heating
- Heating features: Forced Air
Interior Area
- Total structure area: 3,496
- Total interior livable area: 3,496 sqft
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 82471310000
- Foundation area: 1448
Features
- Levels: Two
Lot
- Lot size: 5,227 sqft
- Lot size dimensions: 41 x 126
Parking
- Total spaces: 1
- Parking features: Detached Garage
- Has garage: Yes
- Attached garage spaces: 1
- Covered spaces: 1
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
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Hail
- Inland Flooding
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 | $1,137 | $13,644 |
| Home Insurance * | $141 | $1,692 |
| Property Taxes | $263 | $3,156 |
| Electricity | $294 | $3,538 |
| Total | $1,835 | $22,020 |
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 |
|---|---|---|
| 2026-08-11 | Listed for sale | $225,000 |
| 2025-11-14 | Listing removed | $775 |
| 2025-09-29 | Price change | $775 |
| 2025-08-21 | Listed for rent | $850 |
| 2025-08-08 | Listing removed | $900 |
| 2025-05-01 | Price change | $900 |
| 2025-04-23 | Listed for rent | $1,050 |
| 2023-06-21 | Listing removed | -- |
| 2023-06-06 | Listed for rent | $895 |
| 2022-11-02 | Listing removed | -- |
| 2022-10-11 | Listed for rent | $795 |
| 2021-03-12 | Sold | $129,000 |
| 2020-10-05 | Price change | $144,900 |
| 2020-09-18 | Listed for sale | $149,900 |
| 2018-07-13 | Listing removed | $700 |
| 2018-07-07 | Price change | $700 |
| 2018-06-13 | Price change | $850 |
| 2018-05-03 | Listed for rent | $900 |
| 2017-05-05 | Listing removed | $700 |
| 2017-03-17 | Listed for rent | $700 |
| 2015-05-26 | Listing removed | $1,000 |
| 2015-04-24 | Listed for rent | $1,000 |
| 2013-04-30 | Sold | $109,375 |
| 2013-02-12 | Price change | $117,900 |
| 2012-12-12 | Listed for sale | $122,900 |
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