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5652 W Oakes Dr, Saint Cloud, MN, 56303

4beds
2baths
2,278sqft
$326,900
$144price/sqft
$2,418/moest. monthly cost
$96,720/yrincome needed

About This Home

Welcome home to this gorgeously updated main floor, featuring a completely open-concept kitchen, dining, and living area. Bright and roomy, this space is made for easy living and entertaining, and the extras throughout make this home a true must-see. The basement offers roughed-in plumbing, making a 3rd bathroom an easy addition down the road. The basement living room has all new carpeting throughout. Outside, enjoy the huge patio complete with a hot tub, plus a large cedar deck just off the dining room that is perfect for relaxing or hosting guests. The home sits on a huge corner lot with plenty of room for a garage expansion or workshop, if desired. Don't miss this one, schedule your showing today!

Getting Around

18
WalkingCar-Dependent
0
TransitVery Limited Transit
63
BikeBikeable

Schools

4/10
3/10
North Junior High SchoolGrades 6-81.7 mi
3/10
Apollo Senior High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1989

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: In Hall,Laundry Room,Sink,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Crawl Space,Finished,Storage Space

Bedroom

  • Level: Upper
  • Area: 164.72
  • Dimensions: 14.2x11.6

Bedroom2

  • Level: Upper
  • Area: 159.9
  • Dimensions: 13x12.3

Bedroom3

  • Level: Upper
  • Area: 208
  • Dimensions: 16 x 13

Bedroom4

  • Level: Upper
  • Area: 108
  • Dimensions: 12 x 9

Bedrooms & Bathrooms

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

Dining Room

  • Level: Upper
  • Area: 126
  • Dimensions: 14x9

Family Room

  • Level: Lower
  • Area: 283.22
  • Dimensions: 11.9x23.8

Features

  • Finished area below ground: 1,010
  • Finished area above ground: 1,268

Heating & Cooling

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

Interior Area

  • Total structure area: 2,368
  • Total interior livable area: 2,278 sqft

Kitchen

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

Living Room

  • Level: Upper
  • Area: 303.8
  • Dimensions: 21.7x14

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 82524030222
  • Zoning description: Residential-Single Family
  • Foundation area: 1852

Features

  • Levels: Multi/Split
  • Patio & porch: Deck,Patio

Lot

  • Lot size: 0.57 Acres
  • Features: Corner Lot,Tree Coverage - Light
  • Lot size dimensions: 24829

Parking

  • Total spaces: 2
  • Parking features: Attached,Asphalt,Garage,Heated Garage,Insulated 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

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

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
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 $1,652$19,824
Home Insurance *$262$3,144
Property Taxes $312$3,744
Electricity $192$2,305
Total$2,418$29,016
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,902/yr
40% on housing$72,540/yr
45% on housing$64,480/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

$144This listing

vs Other Active Listings

Avg $/sqft

ZIP 56303$109
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
2026-08-13Price change$319,900
2026-07-30Listed for sale$326,900
2023-05-01Sold$301,000
2023-03-09Pending sale$295,000
2023-03-03Listed for sale$295,000

For Sale by Agent

AgentSarah Neu
BrokerageCentral MN Realty LLC

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