$365,000

3552 12th Ave SE Saint Cloud, MN 56304

Estimated payment $2,147/month

Total Views 2,279
3 Beds
2 Baths
1,496 Sq Ft
$244 Price per Sq Ft

Highlights

  • 159 Feet of Waterfront
  • River View
  • Lower Floor Utility Room
  • Beach
  • No HOA
  • The kitchen features windows

About This Home

A rare opportunity on the Mississippi River! This beautifully renovated one-story home sits on nearly an acre, offering stunning waterfront views while being tucked away in a quiet neighborhood! Enjoy waterfront living: gather by the water-side campfire, float the river, or relax on your private dock. In the winter, the river becomes your playground for skating, snowshoeing, and ice fishing–a true four-season gem. Inside, the redesigned main floor blends functionality with contemporary design. The kitchen features an oversized island and custom knotty-alder cabinetry, with an eat-in dining area where a charming brick fireplace and panoramic river views create a warm, inviting atmosphere. The open layout flows into a spacious living room with updated birch hardwood floors, perfect for relaxing or entertaining. The convenient three main-floor bedrooms feature refinished original hardwood floors, blending character with comfort. A breezeway leads to an expansive unfinished basement with a second bath, offering endless potential for additional living space. The screened porch is a highlight–your front-row seat to the river–where you can take in peaceful mornings, evening breezes, and stunning sunsets framed by mature trees and the shimmer of the water. All of this awaits on the southeast edge of town with easy access to the metro area.

Listing Agent

Brandon Johnson

VoigtJohnson Listed on: 04/03/2026

Co-Listing Agent

Heidi Voigt

VoigtJohnson

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,542

Year Built

  • Built in 1960

Lot Details

  • Lot Dimensions are 159x400x140x328
  • 159 Feet of Waterfront
  • River Front
  • Street terminates at a dead end
  • Few Trees

Parking

  • 2 Car Attached Garage
  • Garage Door Opener

Interior Spaces

  • 1,496 Sq Ft Home
  • 1-Story Property
  • Wood Burning Fireplace
  • Family Room with Fireplace
  • Combination Kitchen and Dining Room
  • Lower Floor Utility Room
  • River Views

Kitchen

  • Range
  • The kitchen features windows

Bedrooms and Bathrooms

  • 3 Bedrooms

Laundry

  • Dryer
  • Washer

Unfinished Basement

  • Basement Fills Entire Space Under The House
  • Block Basement Construction

Outdoor Features

  • Screened Patio
  • Porch

Utilities

  • Forced Air Heating and Cooling System
  • Well
  • Water Softener Leased

Listing and Financial Details

  • Assessor Parcel Number 254030040

Community Details

Overview

  • No Home Owners Association

Recreation

  • Beach

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,542

Year Built

Built in 1960

Lot Details

0.84 Acres

Parking

2

Listing Details

  • Type: Residential
  • Property Subtype 1: Single Family
  • Cooling System: Central Air
  • Garage Spaces: 2
  • Accessibility Features: None
  • Fireplaces: 1
  • Water Source: Well
  • Association Amenities: Beach, Porch
  • Year Built: 1960
  • Above Grade Finished Sq Ft: 1496
  • Unit Levels: One
  • New Construction: No
  • FractionalOwnershipYN: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Basement: Block, Full, Unfinished
  • Appliances: Dryer, Range, Refrigerator, Washer, Water Softener Rented
  • Fireplace Features: Family Room, Wood Burning
  • Living Area: 1496
  • Fireplace: Yes
  • Basement YN: Yes

Beds/Baths

  • Full Bathrooms: 1
  • Total Bedrooms: 3
  • Three Quarter Bathrooms: 1

Exterior Features

  • Roof: Asphalt
  • View: Panoramic, River, West
  • PatioPorchType: Porch, Screened
  • Waterfront Frontage: 159

Garage/Parking

  • Parking Features: Attached Garage, Asphalt, Garage Door Opener

Utilities

  • Heating: Forced Air
  • Sewer: Private Sewer
  • LaundryFeatures: Lower Level
  • Fuel: Natural Gas

Condo/Co-op/Association

  • Association: No
  • Amenities Unit: Hardwood Floors, Kitchen Window, Natural Woodwork, Porch, Washer/Dryer Hookup

Schools

  • Junior High Dist: St. Cloud
  • SchoolDistrictPhone: 3202539333

Lot Info

  • Waterfront YN: Yes
  • PropertyAttachedYN: No
  • Lot Size: 159x400x140x328
  • Land Lease: No
  • Lot Features: Tree Coverage - Medium
  • Additional Parcels: No
  • Zoning Description: Residential-Single Family
  • AssessmentPending: No
  • Yearly/Seasonal: Yearly

Tax Info

  • Tax Year: 2025
  • Assessor Parcel Number: 254030040
  • Tax Annual Amount: 2542
  • TaxWithAssessments: 2542

Multi Family

  • WaterfrontFeatures: River Front, River View

Map

Range of Values:

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Value Increase
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Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,542 $319,000 $134,000 $185,000
2024 $2,472 $319,300 $132,100 $187,200
2023 $2,448 $319,200 $147,500 $171,700
2022 $2,048 $300,700 $129,000 $171,700
2020 $1,850 $212,000 $75,600 $136,400
2019 $1,802 $201,200 $75,600 $125,600
2018 $1,784 $192,500 $75,600 $116,900
2017 $1,808 $186,100 $78,500 $107,600
2016 $1,874 $183,800 $78,000 $105,800
2015 $2,042 $176,900 $77,000 $99,900
2014 -- $185,800 $89,200 $96,600
2013 -- $174,500 $86,900 $87,600
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
04/12/2026 04/12/26 For Sale $365,000 -- $244 / Sq Ft
Source: NorthstarMLS

Purchase History

Date Type Sale Price Title Company
Warranty Deed $170,000 Home Title
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $161,500 New Conventional
Source: Public Records

Source: NorthstarMLS

MLS Number: 7045936

NorthstarMLS

APN: 25-403-0040

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