126 20th Avenue N Saint Cloud, MN 56303

$164,900
Active
estimated monthly payment
2 Beds  |  2 Baths  |  1,023 Sq Ft  |  Single Family  |  MLS # 7140604
  • This home has two bedrooms on the main level. This is the primary. Bedroom. Both have large windows and natural light throughout the day and decent sized closets and newer carpet. Virtually staged.
    This home has two bedrooms on the main level. This is the primary. Bedroom. Both have large windows and natural light throughout the day and decent sized closets and newer carpet. Virtually staged.
  • Spacious living room. With newer carpet. Freshly painted walls and lots of natural light throughout the day from all the windows. Virtually staged.
    Spacious living room. With newer carpet. Freshly painted walls and lots of natural light throughout the day from all the windows. Virtually staged.
  • The second bedroom is perfect as a guest bedroom. Or for a roommate. You can even use this as a Home Office or den. Virtually staged.
    The second bedroom is perfect as a guest bedroom. Or for a roommate. You can even use this as a Home Office or den. Virtually staged.
  • Lower level family room. Is a great place for a pool table or gaming system. You can even make it a home theater, make it what you want it to be. Virtually staged.
    Lower level family room. Is a great place for a pool table or gaming system. You can even make it a home theater, make it what you want it to be. Virtually staged.
  • Super cute starter home with over 1000 Finnish square feet. Brand new roof as of September 2026. Low maintenance vinyl siding. And move in ready.
    Super cute starter home with over 1000 Finnish square feet. Brand new roof as of September 2026. Low maintenance vinyl siding. And move in ready.
  • Galley Kitchen. Includes. Stainless steel appliances that stay with the home. Plenty of cabinet space and countertop space if you like to cook.
    Galley Kitchen. Includes. Stainless steel appliances that stay with the home. Plenty of cabinet space and countertop space if you like to cook.
  • Top of the line new matching stainless Fridigaire appliances in the kitchen stay with the home. Stove is brand new, refrigerator is only 6 months old.
    Top of the line new matching stainless Fridigaire appliances in the kitchen stay with the home. Stove is brand new, refrigerator is only 6 months old.
  • Full bathroom on the main level. Includes enclosure for tub and shower. This is one of two bathrooms in the home.
    Full bathroom on the main level. Includes enclosure for tub and shower. This is one of two bathrooms in the home.
  • The lower level has a three quarter bathroom with a sink, toilet and walk in shower. Plenty of space to add a linen closet if you like. This is one of two bathrooms in the home.
    The lower level has a three quarter bathroom with a sink, toilet and walk in shower. Plenty of space to add a linen closet if you like. This is one of two bathrooms in the home.
  • The lower level family room is broken into two areas. The second part would make a very nice Home Office. Or another sitting area. You could also add pub tables and turn it into a bar. Virtually staged.
    The lower level family room is broken into two areas. The second part would make a very nice Home Office. Or another sitting area. You could also add pub tables and turn it into a bar. Virtually staged.
  • Large backyard. Is fenced for privacy as well as chain link on the back. If you add a few feet or a gate you have a fully fenced backyard for pets. Plenty of room for a home garden or play area.
    Large backyard. Is fenced for privacy as well as chain link on the back. If you add a few feet or a gate you have a fully fenced backyard for pets. Plenty of room for a home garden or play area.
  • One car detached garage is 181 square feet. There's a concrete driveway backs up to an alley, and there's additional parking next to the garage. Includes garage door opener.
    One car detached garage is 181 square feet. There's a concrete driveway backs up to an alley, and there's additional parking next to the garage. Includes garage door opener.

About The Listing

Truly move-in ready, this clean, well cared for one-story home sits in an established Saint Cloud neighborhood close to shopping. The big projects are already done: a brand new 35-year architectural shingle roof, newer siding, new carpet, a new water heater, a new stove, stainless steel appliances, and fresh paint throughout. Just bring your furniture.

The finished lower level adds valuable living space, extra storage, and your own washer and dryer, so laundromat trips become a thing of the past. With 2 bedrooms and 2 bathrooms, this home lives larger than the square footage suggests. The attached one-car garage with opener keeps you out of the Minnesota weather, and the large, three-quarter fenced backyard is a private space that’s all yours to garden, grill, and relax in, without sharing it the way you would at a rental.

Tired of renting? Low down payment loan programs are available for qualifying first-time buyers, and with the seller-paid buydown, owning may cost less than you think while building equity for you instead of a landlord. Quick closing is possible. Schedule your showing today!


Listing courtesy of Thomas J. Sommers, Coldwell Banker Realty
Purchase Price
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Property Details

Features

 
 
 
Property Type: Single Family
Status: Active
Contingency Type: None
Year Built: 1948
MLS #: 7140604
Bedrooms: 2
Square Feet: 1,023
Bathrooms (Full): 1
Price Per Square Foot: $161
Bathrooms (Half) : 0
Bathrooms (Three Quarters) : 1
Garage Spaces: 1
Parking Description: Detached Garage, Garage Door Opener, Storage
Sewer Description: City Sewer/Connected
Air Conditioning Type: None
Water: City Water/Connected
Heat Type: Forced Air
Basement: Block, Daylight/Lookout Windows, Finished, Storage Space
Foundation Type: Block
Construction Description: Block
Roof Description: Age 8 Years or Less
Days On Market (Continuous): 0
Disability Features: None
Latest Update: 10/29/2026
List Date: 09/10/2026
Listing Agent ID: 505004594
Listing Office: Coldwell Banker Realty
Listing Office ID: 3260
Data Source: NorthstarMLS - The Regional MLS of Minnesota
Appliances: Dryer, Gas Water Heater, Range, Refrigerator, Washer
Laundry Features: In Basement, Electric Dryer Hookup, Laundry Room
Number of Fireplaces: 0
Exterior Features: Wood
Fence: Chain Link, Partial, Wood
Lot Dimensions: 127x40
Lot Size: 0.12 Acres
School District: St. Cloud
Tax Year: 2026
Estimated Taxes: $1,584
Contingency Type: None
City: Saint Cloud
Zip: 56303
County: Stearns
Subdivision: HIGHLAND PARK ADDN
State: MN

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Listing last updated: 10/29/26

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