NOT LISTED FOR SALE

4020 21st Ave S St. Cloud, MN 56301

Estimated Value: $377,519 - $393,000

5 Beds
3.5 Baths
2,755 Sq Ft
$140/Sq Ft Est. Value

Sale Details

Date Sold: September 30, 2025

Last sale price $384,900 $140 Per Sq Ft

Current estimated payment $2,356 / mo

29 Days on Market

Highlights

  • Deck
  • Mud Room
  • Stainless Steel Appliances
  • Main Floor Primary Bedroom
  • No HOA
  • The kitchen features windows

About This Home

As of September 2025

You’ll have to see this home in person to truly appreciate all the updates, thoughtful design, and living space it offers! From the street, you’ll notice the beautifully refreshed exterior featuring new, LP smart siding, a brand-new 30-year roof, and a cedar plank privacy fence. Step inside to find all your main-level must-haves. The kitchen feels straight out of a magazine, with a butcher block center island, open shelving above a striking stacked-tile backsplash, and stainless steel appliances. Nearby, the laundry room is conveniently tucked away, and a stylish half bath serves guests with ease. The living room’s tall ceilings are anchored by a cozy brick gas fireplace, while the dining area opens directly to the backyard—perfect for hosting gatherings. You’ll also appreciate the dedicated mudroom with built-in storage and a bench. The main-floor primary suite is a relaxing retreat, complete with a private en-suite and a walk-in closet. Downstairs is the ultimate hangout zone, featuring built-in play areas including a climbing wall, sensory swing, and a hidden play nook under the stairs. The expansive family room offers space for everyone, complemented by a 3/4 bathroom, two generously sized bedrooms, and an unfinished storage area. Upstairs, a cute loft connects to two more bedrooms (all with new carpet) and another full bath. From the curb, you’d never guess just how much space this home offers inside.

Last Agent to Sell the Property

Molly Ruegemer

Central MN Realty LLC Listed on: 08/15/2025

Central MN Realty LLC

Co-Listed By

Christina Clifton

Central MN Realty LLC

Last Buyer's Agent

Lance Berwald

Keller Williams Preferred Rlty

Keller Williams Preferred Rlty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $3,346

Year Built

  • Built in 1983

Lot Details

  • 10,498 Sq Ft Lot
  • Lot Dimensions are 120x88
  • Property is Fully Fenced
  • Wood Fence
  • Zoning described as Other,Residential-Single Family

Parking

  • 2 Car Garage
  • Heated Garage
  • Insulated Garage

Interior Spaces

  • 1.5-Story Property
  • Brick Fireplace
  • Gas Fireplace
  • Mud Room
  • Family Room
  • Living Room with Fireplace
  • Dining Room

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • Stainless Steel Appliances
  • The kitchen features windows

Bedrooms and Bathrooms

  • 5 Bedrooms
  • Primary Bedroom on Main

Laundry

  • Laundry Room
  • Dryer
  • Washer

Finished Basement

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

Outdoor Features

  • Deck

Utilities

  • Forced Air Heating and Cooling System
  • Gas Water Heater

Community Details

  • No Home Owners Association
  • Southern Ridge Subdivision

Listing and Financial Details

  • Assessor Parcel Number 82507770112

Home Details

Home Type

Single Family

Est. Annual Taxes

$3,346

Year Built

Built in 1983

Lot Details

10,498 Sq Ft Lot

Parking

2

Listing Details

  • Type: Residential
  • Property Subtype 1: Single Family Residence
  • Cooling System: Central Air
  • Garage Spaces: 2
  • Accessibility Features: None
  • Fireplaces: 1
  • Water Source: City Water/Connected
  • Year Built: 1983
  • Above Grade Finished Sq Ft: 1750
  • Unit Levels: One and One Half
  • New Construction: No
  • FractionalOwnershipYN: No
  • Rental License?: No
  • Special Features: None
  • Property Sub Type: Detached

Interior Features

  • Basement: Block, Egress Window(s), Finished, Full
  • Appliances: Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
  • Fireplace Features: Brick, Gas, Living Room
  • Living Area: 2755
  • Fireplace: Yes
  • Below Grade Finished Sq Ft: 1005
  • Basement YN: Yes
  • Dining Room Type: Kitchen, Living Room, Dining Room, Bedroom 1, Laundry, Mud Room, Bedroom 2, Bedroom 3, Family Room, Bedroom 4, Bedroom 5

Beds/Baths

  • Full Bathrooms: 2
  • Half Bathrooms: 1
  • Total Bedrooms: 5
  • Three Quarter Bathrooms: 1

Exterior Features

  • Roof: Age 8 Years or Less, Asphalt
  • Fencing: Full, Wood
  • ConstructionMaterialsDesc: Block
  • PatioPorchType: Deck

Garage/Parking

  • Parking Features: Detached, Asphalt, Electric, Finished Garage, Heated Garage, Insulated Garage

Utilities

  • Heating: Forced Air
  • Sewer: City Sewer/Connected
  • Electric: Circuit Breakers
  • Fuel: Natural Gas

Condo/Co-op/Association

  • Association: No
  • Amenities Unit: Ceiling Fan(s),Deck,Kitchen Center Island,Kitchen Window,Primary Bedroom Walk-In Closet,Main Floor Primary Bedroom,Vaulted Ceiling(s)

Schools

  • Junior High Dist: St. Cloud
  • SchoolDistrictPhone: 320-253-9333

Lot Info

  • PropertyAttachedYN: No
  • Lot Size: 120x88
  • Lot Size Sq Ft: 10497.96
  • Land Lease: No
  • Additional Parcels: No
  • Zoning Description: Other,Residential-Single Family
  • AssessmentPending: No
  • Yearly/Seasonal: Yearly

Building Info

  • Construction Materials: Engineered Wood

Tax Info

  • Tax Year: 2024
  • Assessor Parcel Number: 82507770112
  • Tax Annual Amount: 3346
  • TaxWithAssessments: 3346.0000

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Aug 15, 2025
Closed on
Sep 30, 2025
Sold by
Ruegemer Molly and Ruegemer Dominic K
Bought by
Groh Samantha Marie and Gann Myles
Seller's Agent
Molly Ruegemer
Central MN Realty LLC
Buyer's Agent
Lance Berwald
Keller Williams Preferred Rlty
List Price
$399,900
Sold Price
$384,900
Premium/Discount to List
-$15,000
-3.75%
Views
54
Current Estimated Value
$384,880

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$20
Avg. Annual Appreciation
-0.01%
Original Mortgage
$346,410
Outstanding Balance
$342,724
Interest Rate
5.69%
Mortgage Type
New Conventional
Estimated Equity
$42,156

Purchase Details

Closed on
Jul 15, 2021
Sold by
Ltd Homes Llc
Bought by
Ruegemer Dominic K and Ruegemer Molly

Purchase Details

Closed on
Jul 15, 2019
Sold by
Ltd Homes Llc
Bought by
Ruegemer Dominic

Purchase Details

Closed on
Jun 19, 2019
Sold by
Ltd Homes Llc
Bought by
Piecek Scott and Piecek Dawn
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Purchase History

Date Buyer Sale Price Title Company
Groh Samantha Marie $384,900 Key Title & Closing Services
Ruegemer Dominic K $205,000 Misc Company
Ruegemer Dominic $205,000 --
Piecek Scott -- --
Source: Public Records

Mortgage History

Date Status Borrower Loan Amount
Open Groh Samantha Marie $346,410
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
09/30/2025 09/30/25 Sold $384,900 0.0% $140 / Sq Ft
09/13/2025 09/13/25 Pending -- -- --
09/03/2025 09/03/25 Price Changed $384,900 -3.8% $140 / Sq Ft
08/15/2025 08/15/25 For Sale $399,900 -- $145 / Sq Ft
Source: NorthstarMLS

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 $3,778 $274,400 $50,000 $224,400
2024 $3,402 $274,400 $50,000 $224,400
2023 $2,852 $254,400 $30,000 $224,400
2022 $2,604 $181,200 $30,000 $151,200
Source: Public Records

Agents Affiliated with this Home

  • Molly Ruegemer

    Seller's Agent in 2025

    Molly Ruegemer

    Central MN Realty LLC

    (320) 339-8189

    80 Total Sales

    Molly Ruegemer
    Section Image
  • Christina Clifton

    Seller Co-Listing Agent in 2025

    Christina Clifton

    Central MN Realty LLC

    (320) 333-6462

    145 Total Sales

    Christina Clifton
    Section Image
  • Lance Berwald

    Buyer's Agent in 2025

    Lance Berwald

    Keller Williams Preferred Rlty

    (612) 669-0596

    61 Total Sales

    Lance Berwald
    Section Image
  • David Paulson

    Buyer Co-Listing Agent in 2025

    David Paulson

    Keller Williams Preferred Rlty

    (612) 201-8311

    72 Total Sales

    David Paulson
    Section Image
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Map

Source: NorthstarMLS

MLS Number: 6772856

NorthstarMLS

APN: 82507770112

Minnesota Stearns County Saint Cloud 56301

4020 21st Ave S, Saint Cloud, MN

Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.

NorthstarMLS All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Listings courtesy of NorthstarMLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID

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