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204 37th Ave N, Saint Cloud, MN, 56303

1beds
1baths
556sqft
$159,900
$288price/sqft
$1,215/moest. monthly cost
$48,600/yrincome needed

About This Home

Affordable one level home featuring modern updates, including vinyl siding and laminate flooring. This home offers a cozy living room with a fireplace. It includes several amenities including a longer driveway offering additional parking space, the fenced backyard with a storage shed, plus a separate fenced garden area with raised beds that provides additional privacy and outdoor enjoyment. Conveniently located in St. Cloud within walking distance of a neighborhood park. Great opportunity for first-time buyers, downsizers, or investors.

Getting Around

65
WalkingSomewhat Walkable
0
TransitVery Limited Transit
54
BikeBikeable

Schools

3/10
North Junior High SchoolGrades 6-81.3 mi
3/10
Apollo Senior High SchoolGrades 9-121.0 mi

Construction

Condition

  • Year built: 1946

Materials

  • Roof: Age 8 Years or Less,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Range,Refrigerator

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 117
  • Dimensions: 13x9

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 1
  • Full bathrooms: 1

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 556

Heating & Cooling

  • Heating features: Baseboard,Fireplace(s)
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 556
  • Total interior livable area: 556 sqft

Kitchen

  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Living Room

  • Level: Main
  • Area: 143
  • Dimensions: 13x11

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 82462240000
  • Zoning description: Residential-Single Family
  • Foundation area: 556

Features

  • Levels: One
  • Stories: 1
  • Fencing: Wood

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 42 x 125

Parking

  • Parking features: Gravel

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

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

How This Home’s Risks Compare

Strong Wind
Tornado
Winter Weather
Cold Wave
Hail
Inland Flooding
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 $808$9,696
Home Insurance *$128$1,536
Property Taxes $109$1,308
Electricity $170$2,050
Total$1,215$14,580
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$41,657/yr
40% on housing$36,450/yr
45% on housing$32,400/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

$288This listing

vs Other Active Listings

Avg $/sqft

ZIP 56303$111
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
2026-08-06Price change$149,900
2026-07-04Listed for sale$159,900
2023-08-07Sold$135,000
2023-06-13Pending sale$125,000
2023-06-12Listed for sale$125,000
2023-05-30Pending sale$125,000
2023-05-26Listed for sale$125,000
2021-07-29Sold$82,500
2021-06-28Pending sale$84,900
2021-06-14Listed for sale$84,900
2014-10-10Sold$30,000
2014-10-10Pending sale$34,900
2014-06-28Price change$34,900
2014-06-04Price change$36,500
2014-05-31Price change$34,900
2013-10-24Price change$36,500
2013-08-23Price change$39,500
2013-05-24Price change$44,900
2013-04-24Price change$47,900
2013-01-08Price change$49,900
2012-11-14Listed for sale$59,900

For Sale by Agent

AgentJason C. Quade
BrokeragePremier Real Estate Services

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