About This Home

This 5-bedroom, 4-bathroom single family at 1234 Mill Creek Circle in Saint Cloud, MN is listed for $400,000 ($117 per sqft). Built in 1996, the home offers 3,432 sqft of living space on a 0.40 acres lot.

Key Features

  • Built in 1996
  • 0.40 acre lot
  • Fireplace

Property Details

1 full, 1 half
1996

Amenities

FireplaceA/C
Listing Description

Welcome to this beautifully maintained two-story home offering 5 bedrooms, 4 bathrooms, and a spacious 3-car garage with exceptional living space inside and out. From the inviting curb appeal to the thoughtfully designed floor plan, this home blends comfort, functionality, and quality updates throughout.

The bright main level is filled with natural light from abundant windows and features refinished hardwood floors, a spacious living room, a cozy family room with a fireplace, a private office, formal and informal dining spaces, main-level laundry, and an updated kitchen with painted cabinetry, granite countertops, tile backsplash, built-in wine rack, and stainless steel appliances.

Step outside to the maintenance-free deck, stamped concrete patio, and screened cedar gazebo, creating multiple spaces to relax or entertain while overlooking the beautifully wooded backyard. Upstairs, you'll find four bedrooms, including a spacious primary suite with a walk-in closet and private bath featuring a soaking tub and separate shower.

An additional 3/4 bathroom serves the remaining upper-level bedrooms. The finished lower level offers outstanding flexibility with a large recreation room, kitchenette complete with cabinetry, sink, microwave, dishwasher, and refrigerator, a fifth bedroom, a 3/4 bathroom, plus two additional flex rooms ideal for hobbies, fitness, a home office, or storage.

Major updates include a hail-resistant roof, high-efficiency furnace and A/C, updated kitchen, remodeled upper-level bathrooms, refinished hardwood floors, maintenance-free deck, stamped concrete patio, screened cedar gazebo, new water heater, and attic insulation. Conveniently located near parks, walking and biking trails, pickleball courts, shopping, restaurants, healthcare, and recreation, this home offers an exceptional combination of space, thoughtful updates, and outdoor enjoyment.

Monthly Cost Estimate

$2,739/mo

20% down · 6.5% · 30 years

Principal$289
Interest$1,733
Insurance$117
HOA$600

Estimates only. Actual payments may vary.

Location

1234 Mill Creek Circle

Saint Cloud, MN 56303

Mill Creek

Features & Amenities

Exterior Features

Brick/StoneVinyl

Property Details

Parking

OpenGarage - AttachedDriveway

Heating

Forced Air

Cooling

Central Air

Appliances

DishwasherDisposalWater Heater - GasMicrowaveRangeRefrigeratorStainless Steel Appliances

Questions & Answers

This 5-bedroom, 4-bathroom single family at 1234 Mill Creek Circle is listed at $400,000 ($117/sqft). The estimated monthly payment is $2,740 based on 20% down, a 30-year loan at 6.5% interest, estimated insurance, HOA fees.

HOA fees are $600/month.

Key features include: Built in 1996, 0.40 acre lot, Fireplace. Exterior Features: Brick/Stone, Vinyl.

This property is listed by Abby Schannauer and can be reached at (763) 657-4444.

AS

Abby Schannauer

Agent at Keller Williams Classic Realty Northwest

(763) 657-4444
Agent website

Listed by Keller Williams Classic Realty Northwest · Broker phone: (763) 657-4444 · View on Broker Site · Broker website

MLS# 7040933· Source: Northstar MLS· 29 days on PropertySimple

Copyright © 2026 Northstar MLS. All rights reserved. All information provided by the listing agent/broker is deemed reliable but is not guaranteed and should be independently verified.

1234 Mill Creek Circle, Saint Cloud, MN 56303

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