1324 1st Street N Saint Cloud, MN 56303 MLS# 7102225 7 beds | 3 baths | 3800 sqft
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Property Description Excellent opportunity for both investors or owner-occupants with immediate income potential! This spacious duplex features a 3-bedroom upper unit and a 4-bedroom lower unit, offering an attractive layout for tenants and strong rental demand. Brand-new carpet on the main and lower levels provides a fresh update, making it easy to lease and minimizing upfront maintenance costs.
Whether you're an experienced investor or looking to house hack your way into real estate, this property as a lot of upside. Live in one unit while renting the other to significantly offset your mortgage, or lease both units to maximize cash flow. Located on a desirable corner lot in a convenient St. Cloud neighborhood, the property also offers a large off-street parking pad, a valuable amenity for tenants. With the opportunity to place new tenants at current market rents, this huge duplex offers immediate upside and long-term wealth-building potential.
Details
Maps
Contract Information
Status: Active
Contingency: None
Current Price: 279000
Original List Price: 279000
ListPrice: 279000
List Date: 2026-07-02
Owner is an Agent?: No
Auction?: No
General Property Information
Lot Measurement: Acres
Multiple PIDs?: No
Owner Occupied: No
Waterfront YN: No
Year Built: 1910
Yearly/Seasonal: Yearly
Zoning: Residential-Multi-Family
Bedrooms: 7
Baths Total: 3
Main Floor Total SqFt: 2000
Above Ground SqFt: 2000
Below Grd Total SqFt: 1800
Total SqFt: 3800
Foundation Size: 1802
Style: (MF) Duplex Up and Down
Total Finished Sqft: 2800.00
Lot Dimensions: 83x102
Acres: 0.19
Assessment Pending: Unknown
Location Tax and Other Information
House Number: 1324
Street Name: 1st Street
Street Direction Suffix: N
Postal City: Saint Cloud
County: Stearns
State: MN
Zip Code: 56303
Assessments
Tax With Assessments: 2310
Building Information
Finished SqFt Above Ground: 2000
Finished SqFt Below Ground: 800
Lease Details
Land Leased: Not Applicable
Miscellaneous Information
Homestead: No
Ownership
Fractional Ownership: No
Unit 1
Furnished?: No
Leased?: No
Level: Multi-Level
Unit Number: 1
1/2 Baths: 1
Annual Rent: 18600
Finished SqFt: 2352
Full Baths: 1
Monthly Rent: 1550
No. of Units Like This: 1
Total Baths: 2
Total Bedrooms: 4
Total Rooms: 6
Unit 2
Furnished?: No
Leased?: No
Unit Number: 2
Annual Rent: 17100
Finished SqFt: 1000
Full Baths: 1
Monthly Rent: 1425
No. of Units Like This: 1
Total Baths: 1
Total Bedrooms: 3
Total Rooms: 7
Unit Details
Total Units: 2
Property Features
Accessible: None
Basement: Egress Windows; Full
Construction Status: Previously Owned
Exterior: Aluminum Siding
Fencing: None
Foundation: Concrete Block
Fuel: Natural Gas
Heating: Forced Air
Lot Description: Corner Lot; Tree Coverage - Light
Owner Pays: Sewer; Taxes; Water
Parking Characteristics: Paved Lot
Pool Description: None
Road Frontage: Curbs; Paved Streets; Sidewalks
Roof: Asphalt Shingles
Sellers Terms: Cash; Conventional
Sewer: City Sewer/Connected
Stories: Two
Tenant Pays: Electricity; Fuel; Gas
Unit 1 Appliances: Dryer; Microwave; Range; Washer
Unit 1 Special Search: Main Floor Bedroom; 3 BR on One Level