




1234 Mill Creek Cir, Saint Cloud, MN, 56303
About This Home
Welcome to this beautifully maintained two-story home offering 5 bedrooms, 4 bathrooms, and a spacious 3-car garage with exceptional living space inside and out. From the inviting curb appeal to the thoughtfully designed floor plan, this home blends comfort, functionality, and quality updates throughout. The bright main level is filled with natural light from abundant windows and features refinished hardwood floors, a spacious living room, a cozy family room with a fireplace, a private office, formal and informal dining spaces, main-level laundry, and an updated kitchen with painted cabinetry, granite countertops, tile backsplash, built-in wine rack, and stainless steel appliances. Step outside to the maintenance-free deck, stamped concrete patio, and screened cedar gazebo, creating multiple spaces to relax or entertain while overlooking the beautifully wooded backyard. Upstairs, you'll find four bedrooms, including a spacious primary suite with a walk-in closet and private bath featuring a soaking tub and separate shower. An additional 3/4 bathroom serves the remaining upper-level bedrooms. The finished lower level offers outstanding flexibility with a large recreation room, kitchenette complete with cabinetry, sink, microwave, dishwasher, and refrigerator, a fifth bedroom, a 3/4 bathroom, plus two additional flex rooms ideal for hobbies, fitness, a home office, or storage. Major updates include a hail-resistant roof, high-efficiency furnace and A/C, updated kitchen, remodeled upper-level bathrooms, refinished hardwood floors, maintenance-free deck, stamped concrete patio, screened cedar gazebo, new water heater, and attic insulation. Conveniently located near parks, walking and biking trails, pickleball courts, shopping, restaurants, healthcare, and recreation, this home offers an exceptional combination of space, thoughtful updates, and outdoor enjoyment.
Getting Around
Schools
Construction
Condition
- Year built: 1996
Materials
- Roof: Age Over 8 Years,Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Gas Water Heater,Microwave,Range,Refrigerator,Stainless Steel Appliance(s)
- Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,Sink,Washer Hookup
Basement
- Has basement: Yes
- Basement: Block,Egress Window(s),Finished,Full,Sump Pump
Bedroom
- Level: Upper
- Area: 143
- Dimensions: 11x13
Bedroom2
- Level: Upper
- Area: 168
- Dimensions: 14x12
Bedroom3
- Level: Upper
- Area: 130
- Dimensions: 10x13
Bedroom4
- Level: Upper
- Area: 156
- Dimensions: 13x12
Bedroom5
- Level: Lower
- Area: 121
- Dimensions: 11x11
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 4
- Full bathrooms: 1
- 3/4 bathrooms: 2
- 1/2 bathrooms: 1
Deck
- Level: Main
- Area: 323
- Dimensions: 19x17
Dining Room
- Level: Main
- Area: 132
- Dimensions: 11x12
Dining Room
- Level: Main
- Area: 140
- Dimensions: 10x14
Exercise Room
- Level: Lower
- Area: 130
- Dimensions: 10x13
Family Room
- Level: Main
- Area: 182
- Dimensions: 14x13
Features
- Number of fireplaces: 2
- Fireplace features: Amusement Room,Family Room,Gas
- Fireplace: Yes
- Finished area below ground: 1,196
- Finished area above ground: 2,236
Flex Room
- Level: Lower
- Area: 81
- Dimensions: 9x9
Heating & Cooling
- Heating features: Forced Air
- Cooling features: Central Air
Interior Area
- Total structure area: 3,496
- Total interior livable area: 3,432 sqft
Kitchen
- Level: Main
- Area: 132
- Dimensions: 12x11
Laundry
- Level: Main
- Area: 72
- Dimensions: 9x8
Living Room
- Level: Main
- Area: 143
- Dimensions: 11x13
Office
- Level: Main
- Area: 99
- Dimensions: 11x9
Patio
- Level: Main
- Area: 224
- Dimensions: 14x16
Porch
- Level: Main
- Area: 136
- Dimensions: 17x8
Recreation Room
- Level: Lower
- Area: 468
- Dimensions: 36x13
Screened Porch
- Level: Main
- Area: 225
- Dimensions: 15x15
Property
Accessibility
- Accessibility features: None
Details
- Parcel number: 82486880033
- Zoning description: Residential-Single Family
- Foundation area: 1260
Features
- Levels: Two
- Stories: 2
- Pool features: Shared
- Patio & porch: Composite Decking,Deck,Front Porch,Patio,Porch,Screened
- Fencing: Invisible
Lot
- Lot size: 0.40 Acres
- Features: Tree Coverage - Medium
- Lot size dimensions: 121 x 164 x 80 x 174
Parking
- Total spaces: 3
- Parking features: Attached,Concrete,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
- Has uncovered spaces: Yes
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
- Hail
- Inland Flooding
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
- Lightning
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 | $2,022 | $24,264 |
| Home Insurance * | $320 | $3,840 |
| Property Taxes | $403 | $4,836 |
| Electricity | $289 | $3,473 |
| Total | $3,034 | $36,408 |
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 |
|---|---|---|
| 2026-07-29 | Listed for sale | $400,000 |
