418 E Saint Germain Street, Saint Cloud, MN 56304 (MLS# 7118099)

418 E Saint Germain Street, Saint Cloud, MN 56304

$325,000

Excellent Mixed-Use Investment Opportunity on East side of St. Cloud.

The owner has completed numerous updates, including, new windows and exterior doors, complete renovation of the Airbnb apartment, new boiler for the front part of the building, new water heater for the rear apartment and updated light fixtures.

Main level retail/ commercial space with long term tenant.

Side view of the commercial space on the main level and front of the building.

East side location of this commercial/ retail space.

Whether you're looking to expand your investment portfolio or acquire a versatile, income-generating property, this mixed-use building is an exceptional opportunity. This is the rear apartment.

The living room of rear apartment with hardwood floors.

Main level kitchen of rear unit apartment. Newer stove, fridge and washer and dryer in this unit. Laundry area is in the basement for this unit.

Rear apartment the 2nd of 2 bedrooms. All the bedrooms are on the upper level of this unit.

The property also offers private off-street parking alongside the building, adding value for both residential and commercial tenants. These exterior doors are for accessing the apartments.

This apartment is currently operating as a successful Airbnb medium-term rental and will be conveyed fully furnished, providing a turnkey investment opportunity.

Kitchen area of Air BnB apartment located on upper level.

Dining area of the Air BnB apartment. This unit will come fully furnished.

2nd bedroom of the Airbnb. Great rental for weekenders coming to town for an event or temporary workers that come to the area.

Main level laundry area for Air BnB. There is also a half bath for retail space in this area.

Don't miss this outstanding mixed-use investment opportunity in St. Cloud. This income producing property features three separate units, including one retail/commercial space and two residential apartments

Property Type: Commercial Bedrooms: 4 Baths: 3 Square Footage: 4,380 Lot Size (sq. ft.): 4,792 Status: Active

Current Price: $325,000 List Date: 7/31/2026 Last Modified: 7/31/2026

Overview

Description

Excellent Mixed-Use Investment Opportunity on East side of St. Cloud. Don't miss this outstanding mixed-use investment opportunity in St. Cloud. This income producing property features three separate units, including one retail/commercial space and two residential apartments. One apartment is currently operating as a successful Airbnb medium-term rental and will be conveyed fully furnished, providing a turnkey investment opportunity. All three units are currently tenant-occupied, generating strong, consistent cash flow. Each apartment includes its own dedicated laundry area for added tenant convenience. The current owner has completed numerous updates, including, new windows and exterior doors, complete renovation of the Airbnb apartment, new boiler for the front part of the building, new water heater for the rear apartment, updated light fixtures and newer appliances and additional improvements throughout. The property also offers private off-street parking alongside the building, a ... (Read more)

Listing Details MLS# 7118099

General Property Information

Lot Measurement: Acres
Multiple PIDs?: Yes
Other Parking Spaces: 6
Owner Occupied: No
Waterfront YN: No
Year Built: 1887
Yearly/Seasonal: Yearly
Zoning: Business/Commercial, Residential-Multi-Family
Foundation Size: 1460
For Sale or Lease: For Sale
Acres: 0.11
Lot Dimensions: 48 X 100
Assessment Pending: Yes

Property Features

Accessible: None Air Conditioning: Window Unit(s) Amenities Shared: None Amenities Unit: Hardwood Floors; Natural Woodwork Appliances: Microwave; Range; Refrigerator Assumable Loan: Not Assumable Basement: Full; Unfinished CMU Style: Apartments and Retail Construction Status: Previously Owned Current Use: Commercial; Residential Exterior: Stucco Fencing: None Flooring: Carpet; Vinyl/Linoleum; Wood Foundation: Stone Fuel: Natural Gas Heating: Hot Water Loan Terms: Cash; Conventional Location Description: Downtown Lot Description: Public Transit (w/in 6 blks); Zero Lot Line Miscellaneous Information: Alley; Furnished Units On Site Utilities: Electric Common; Electric Separate; Heating Separate; Hot Water Common Owner Pays: Electricity; Gas; Insurance; Taxes Parking Characteristics: Uncovered/Open Pool Description: None Potential Use: Retail Rental License Type: Standard Road Frontage: City Street; Paved Streets; Sidewalks Road Responsibility: Public Maintained Road Roof: Age Over 8 Years; Flat Sewer: City Sewer/Connected Stories: Two Tenant Pays: Cable TV; Electricity; Gas Wall Description: Drywall; Paneling Water: City Water/Connected Window Features: ENERGY STAR Qualified Windows

Contract Information

Contingency: None
ListPrice: 325000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 418
Street Direction Prefix: E
Street Name: Saint Germain
Street Suffix: Street
Postal City: Saint Cloud
County: Benton
State: MN
Zip Code: 56304
Complex/Dev/Subdivision: East St Cloud

Additional Parcels Information

Property ID #2: 170014500

Assessments

Assessment Installment: 60
Tax With Assessments: 3828

More Information

Building Information

Building Finished SqFt: 2920
Building SqFt: 4380

Income and Expenses

Annual Electric Expense: 3684.14
Annual Gross Expenses: 33729.79
Annual Gross Income: 42823.44
Annual Insurance Expense: 5094.48
Annual Net Income: 9093.65
Annual Trash Expense: 666.36
Annual Water/Sewer Expense: 772.56
Total Annual Expenses: 33729.79

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

Homestead: No

Ownership

Fractional Ownership: No

Public Survey Info

Range#: 31
Section#: 36
Township#: 36

Sale Options

Sale Includes: Building

Unit 1

Unit Number: Commercia
Monthly Rent: 800
Half Baths: Yes
Total Bathrooms: Yes
Level: Main Level
Unit Total SqFt: 800
Leased?: Yes
Lease Expiration Date: 2026-12-31

Unit 2

No. of 2 Bedroom Units: 2
Full Baths: Yes
Lease Expiration Date: 2026-12-31
Leased?: Yes
Level: 2nd Level
Monthly Rent: 1800
Total Bathrooms: Yes
Total Bedrooms: 2
Total Rooms: 5
Unit Number: 2
Unit Total SqFt: 800

Unit 3

Full Baths: Yes
Lease Expiration Date: 2026-12-31
Leased?: Yes
Level: Main Level
Monthly Rent: 1012
Total Bathrooms: Yes
Total Bedrooms: 2
Total Rooms: 5
Unit Number: 3
Unit Total SqFt: 1320

Unit Details

Total Units: 3

Listing Office: Oak Realty LLP

Last Updated: July - 31 - 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.

418 E Saint Germain Street, Saint Cloud, MN 56304 (MLS# 7118099)