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1234 Mill Creek Cir, Saint Cloud, MN, 56303

5beds
4baths
3,432sqft
$400,000
$117price/sqft
$3,034/moest. monthly cost
$121,360/yrincome needed

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

8
WalkingCar-Dependent
0
TransitVery Limited Transit
57
BikeBikeable

Schools

4/10
Madison Elementary SchoolGrades PK-51.4 mi
3/10
North Junior High SchoolGrades 6-81.1 mi
3/10
Apollo Senior High SchoolGrades 9-121.9 mi

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
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
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 $2,022$24,264
Home Insurance *$320$3,840
Property Taxes $403$4,836
Electricity $289$3,473
Total$3,034$36,408
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$104,022/yr
40% on housing$91,020/yr
45% on housing$80,906/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

$117This listing

vs Other Active Listings

Avg $/sqft

ZIP 56303$110
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56303$131
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
2026-07-29Listed for sale$400,000

For Sale by Agent

AgentAbby Schannauer
BrokerageKeller Williams Classic Rlty NW

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