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1785 Cypress Rd, Saint Cloud, MN, 56303

6beds
5baths
4,142sqft
$599,900
$145price/sqft
$4,493/moest. monthly cost
$179,720/yrincome needed

About This Home

This spacious 4,142 sq. ft. two-story home, situated on a beautifully maintained 0.46-acre lot, offers an exceptional blend of comfort, flexibility, and thoughtful updates throughout. Featuring 6 bedrooms and 5 bathrooms, this property is ideal for multi-generational living or anyone seeking extra space to fit their lifestyle. The main level offers formal living and dining rooms that flow seamlessly into a bright, open great room and a well-appointed kitchen with abundant cabinetry and generous workspace. Upstairs, the private primary suite features a full bath and walk-in closet, creating a comfortable retreat at the end of the day. The lower level provides versatile additional living space perfect for guests, recreation, hobbies, or a home office setup. Over the last five years, this home has seen extensive improvements and upgrades, including a new roof, steel siding, maintenance-free deck, concrete pads, fence, and in-ground sprinkler system. Inside, updates include two washers, two dryers, stainless steel appliances for the upstairs kitchen, new appliances for the downstairs kitchen, water heater, AC unit, fireplace, exterior windows, interior and exterior doors, countertops, and carpet. Even the custom-made furniture throughout the home is included, adding incredible value and character to the property. Both the attached 2-stall garage and detached 2-stall garage are insulated and heated, providing outstanding storage, workspace, and year-round convenience. This is a rare opportunity to own a meticulously maintained home with this much space, functionality, and value — you won’t want to miss it.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

4/10
2/10
North Junior High SchoolGrades 6-82.7 mi
3/10
Apollo Senior High SchoolGrades 9-122.0 mi

Construction

Condition

  • Year built: 1990

Materials

  • Roof: Age 8 Years or Less,Asphalt,Composition
  • Construction materials: Block,Brick,Concrete,Steel Siding,Stone

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Dryer,ENERGY STAR Qualified Appliances,Freezer,Microwave,Other,Range,Refrigerator,Stainless Steel Appliance(s),Washer,Water Softener Owned
  • Laundry features: Gas Dryer Hookup,Lower Level,Laundry Room,Sink,Upper Level,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Finished,Full,Concrete,Storage Space,Sump Pump

Bedroom

  • Level: Upper
  • Area: 187
  • Dimensions: 11x17

Bedroom2

  • Level: Upper
  • Area: 266
  • Dimensions: 19x14

Bedroom3

  • Level: Upper
  • Area: 176
  • Dimensions: 11x16

Bedroom4

  • Level: Lower
  • Area: 182
  • Dimensions: 13x14

Bedroom5

  • Level: Lower
  • Area: 221
  • Dimensions: 17x13

Bedroom6

  • Level: Lower
  • Area: 221
  • Dimensions: 17x13

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 2
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Bonus Room

  • Level: Lower
  • Area: 150
  • Dimensions: 15x10

Dining Room

  • Level: Upper
  • Area: 154
  • Dimensions: 11x14

Family Room

  • Level: Lower
  • Area: 221
  • Dimensions: 17x13

Features

  • Number of fireplaces: 1
  • Fireplace features: Circulating,Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 2,010
  • Finished area above ground: 2,132

Garage

  • Level: Main
  • Area: 728
  • Dimensions: 28x26

Heating & Cooling

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

Interior Area

  • Total structure area: 4,142
  • Total interior livable area: 4,142 sqft

Kitchen

  • Level: Upper
  • Area: 182
  • Dimensions: 13x14

Kitchen2Nd

  • Level: Lower
  • Area: 425
  • Dimensions: 17x25

Living Room

  • Level: Upper
  • Area: 345
  • Dimensions: 15x23

Property

Accessibility

  • Accessibility features: Doors 36"+,Hallways 42"+,Other

Details

  • Parcel number: 82509590226
  • Zoning description: Residential-Single Family
  • Other equipment: Fuel Tank - Owned
  • Foundation area: 2132

Features

  • Levels: Multi/Split
  • Pool features: None
  • Patio & porch: Composite Decking,Deck,Other
  • Fencing: Chain Link,Full,Privacy,Wood

Lot

  • Lot size: 0.46 Acres
  • Features: Near Public Transit,Corner Lot,Tree Coverage - Medium
  • Lot size dimensions: 187 x 106 x 186 x 106

Parking

  • Total spaces: 4
  • Parking features: Attached,Detached Garage,Asphalt,Electric,Garage,Garage Door Opener,Heated Garage,Insulated Garage,Multiple Garages,Storage
  • Has garage: Yes
  • Attached garage spaces: 4
  • Covered spaces: 4
  • 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

  • Inland Flooding
    Inland FloodingVery High
  • Cold Wave
    Cold WaveRelatively High
  • Hail
    HailRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Inland Flooding
Cold Wave
Hail
Lightning
Strong Wind
Tornado
Winter Weather
Heat Wave

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 *$480$5,760
Property Taxes $631$7,572
Electricity $349$4,192
Total$4,493$53,916
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$154,045/yr
40% on housing$134,790/yr
45% on housing$119,813/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

$145This 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
2026-04-06Listed for sale$660,000
2020-10-02Sold$325,000
2020-08-28Pending sale$329,900
2020-07-20Price change$329,900
2020-06-05Listed for sale$339,900
2018-04-25Sold$299,900
2018-03-08Listed for sale$299,900
2014-04-04Sold$238,500
2013-12-17Listed for sale$249,900
2010-08-31Listing removed$289,900
2010-03-06Listed for sale$289,900
2005-10-28Sold$285,000

For Sale by Agent

AgentJoshua Christianson
BrokerageEdina Realty, Inc

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