1324 1st Street N, Saint Cloud, MN 56303 (MLS# 7102225)

1324 1st Street N, Saint Cloud, MN 56303

$239,000
Property Type: Multi-Family Bedrooms: 7 Baths: 3 Square Footage: 3,800 Lot Size (sq. ft.): 8,276 Status: Active
Current Price: $239,000 List Date: 7/02/2026 Last Modified: 10/06/2026

Overview

Description

Excellent opportunity for both investors or owner-occupants with immediate income potential! This spacious duplex, with almost 3,500 finished square feet, 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. NOTE: Some photos ...

Listing Details MLS# 7102225

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
Main Floor Total SqFt
1728
Above Ground SqFt
2868
Below Grd Total SqFt
932
Total SqFt
3800
Foundation Size
1802
Style
(MF) Duplex Up and Down
Total Finished Sqft
3492.00
Lot Dimensions
83x102
Acres
0.19
Assessment Pending
Unknown

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 Unit 2 Bath Description: Upper Level Full Bath Water: City Water/Connected

Contract Information

Contingency
None
Original List Price
279000
ListPrice
239000
Owner is an Agent?
No
Auction?
No

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
2821
Finished SqFt Below Ground
671

More Information

Lease Details

Land Leased
Not Applicable

Miscellaneous Information

DP Resource
Yes
Homestead
No

Ownership

Fractional Ownership
No

Unit 1

Furnished?
No
Leased?
No
Level
Multi-Level
Unit Number
Yes
1/2 Baths
Yes
Annual Rent
18600
Finished SqFt
2352
Full Baths
Yes
Monthly Rent
1550
No. of Units Like This
Yes
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
Yes
Monthly Rent
1425
No. of Units Like This
Yes
Total Baths
Yes
Total Bedrooms
3
Total Rooms
7

Unit Details

Total Units
2
IDX
Listing Office: eXp Realty
Last Updated: October - 06 - 2026
The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2026 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.
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