# 4728 4th Street Loop NE, Saint Cloud, MN 56304 > **TL;DR:** 3bd/3ba single family, $329,900 ($178/sqft), built 2005, 1,851 sqft. > Fireplace, A/C. Est. $2,088/mo. Listed 34 days. ## Property at a Glance | Attribute | Value | |-----------|-------| | Price | $329,900 | | Price/sqft | $178 | | Bedrooms | 3 | | Bathrooms | 2 full | | Square Feet | 1,851 | | Year Built | 2005 | | Lot Size | 20,865 sqft (0.48 acres) | | Property Type | Single Family (Other) | | Status | Active | | Days on Market | 34 | ## Estimated Monthly Costs | Category | Amount | |----------|--------| | Principal & Interest (20% down, 30-year at 6.5%) | $1,668 | | Estimated Insurance | $96 | | HOA | $324 | | **Total** | **$2,088** | ## Key Amenities - Fireplace - A/C ## Property Highlights - Built in 2005 - 0.48 acre lot - Fireplace ## Description ### Agent Description Welcome to this spacious four-level split in the Sauk Rapids school district, offering a comfortable layout, great outdoor space, and plenty of room to make it your own! The open-concept main level creates an inviting flow between the kitchen, dining, and living areas. The kitchen features a granite center island, perfect for meal prep or gathering with family and friends. Upstairs, the primary bedroom suite offers a comfortable retreat with a walk-in closet, projector, and full private bathroom. Laundry is conveniently located right across the hall, while a second bedroom and full bathroom complete the upper level. Downstairs, the walk-out lower-level family room provides a cozy place to relax around the gas fireplace, with convenient access to the hot tub just outside. This level also features a third bedroom and 3/4 bathroom, providing a great space for guests, a home office, and more. The fourth level features an unfinished basement with valuable potential for additional living space. Whether you envision a home gym, hobby room, or workshop, the possibilities are endless. The home has also seen several updates, including a new washer and dryer in 2019, new roof and high-efficiency electric heat pump water heater in 2022, new range in 2024, and new refrigerator in 2026. Outside, enjoy a large yard with no backyard neighbors, creating both added privacy and a peaceful setting where you can watch wildlife right from your own property. The hot tub and two-tiered deck create a great spot to unwind or entertain, while the three-stall heated garage provides generous space for vehicles, toys, storage, and projects throughout the year. Located near golf, shopping, dining, and other local amenities, this home combines space, comfort, privacy, and convenience in a desirable location. Come see everything this property has to offer! ## Location - **Address:** 4728 4th Street Loop NE, Saint Cloud, MN 56304 - **County:** Benton - **Neighborhood:** Waters Edge At Don Lake - **Coordinates:** 45.56875958, -94.06992965 - **Google Maps:** https://www.google.com/maps?q=45.56875958,-94.06992965 ## Listing Agent - **Name:** Nikki Theisen - **Brokerage:** Central MN Realty - **Phone:** (320) 363-4363 - **Broker Phone:** (320) 363-4363 - **Listing URL:** [View original listing](https://www.realtor.com/realestateandhomes-detail/4728-4th-Street-Loop-NE_Saint-Cloud_MN_56304_M71612-69885?f=listhub&s=RMLSMN&m=7125092&c=propsimple) ## Photos ![4728 4th Street Loop NE - Photo 1](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3883550518r.jpg) ![4728 4th Street Loop NE - Photo 2](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f917081015r.jpg) ![4728 4th Street Loop NE - Photo 3](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f4198357701r.jpg) ![4728 4th Street Loop NE - Photo 4](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1173072971r.jpg) ![4728 4th Street Loop NE - Photo 5](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3062948909r.jpg) ![4728 4th Street Loop NE - Photo 6](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f17957647r.jpg) ![4728 4th Street Loop NE - Photo 7](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2187235065r.jpg) ![4728 4th Street Loop NE - Photo 8](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f225493984r.jpg) ![4728 4th Street Loop NE - Photo 9](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2112980694r.jpg) ![4728 4th Street Loop NE - Photo 10](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3690776935r.jpg) ![4728 4th Street Loop NE - Photo 11](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1785746980r.jpg) ![4728 4th Street Loop NE - Photo 12](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2705528920r.jpg) ![4728 4th Street Loop NE - Photo 13](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f799263960r.jpg) ![4728 4th Street Loop NE - Photo 14](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f363526283r.jpg) ![4728 4th Street Loop NE - Photo 15](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1030900878r.jpg) ![4728 4th Street Loop NE - Photo 16](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f8601960r.jpg) ![4728 4th Street Loop NE - Photo 17](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f73541673r.jpg) ![4728 4th Street Loop NE - Photo 18](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3289496118r.jpg) ![4728 4th Street Loop NE - Photo 19](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3535286703r.jpg) ![4728 4th Street Loop NE - Photo 20](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3986848771r.jpg) ![4728 4th Street Loop NE - Photo 21](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f805341916r.jpg) ![4728 4th Street Loop NE - Photo 22](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f295849580r.jpg) ![4728 4th Street Loop NE - Photo 23](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3731137410r.jpg) ![4728 4th Street Loop NE - Photo 24](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f558449873r.jpg) ![4728 4th Street Loop NE - Photo 25](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f285851375r.jpg) ![4728 4th Street Loop NE - Photo 26](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2398544386r.jpg) ![4728 4th Street Loop NE - Photo 27](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2167588792r.jpg) ![4728 4th Street Loop NE - Photo 28](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1009096690r.jpg) ![4728 4th Street Loop NE - Photo 29](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2970000079r.jpg) ![4728 4th Street Loop NE - Photo 30](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f4178409378r.jpg) ![4728 4th Street Loop NE - Photo 31](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1971630086r.jpg) ![4728 4th Street Loop NE - Photo 32](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2425639155r.jpg) ![4728 4th Street Loop NE - Photo 33](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2706522137r.jpg) ![4728 4th Street Loop NE - Photo 34](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f162648174r.jpg) ![4728 4th Street Loop NE - Photo 35](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f769951484r.jpg) ![4728 4th Street Loop NE - Photo 36](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f967707792r.jpg) ![4728 4th Street Loop NE - Photo 37](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f2854964298r.jpg) ![4728 4th Street Loop NE - Photo 38](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3275070667r.jpg) ![4728 4th Street Loop NE - Photo 39](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f583458225r.jpg) ![4728 4th Street Loop NE - Photo 40](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1736053630r.jpg) ![4728 4th Street Loop NE - Photo 41](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f1121901381r.jpg) ![4728 4th Street Loop NE - Photo 42](http://lh.rdcpix.com/6957bccba2ec2a60a51faffda10f799fl-f3796675863r.jpg) --- **MLS#:** 7125092 | **Updated:** 2026-08-27 **Source:** listhub *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.* [View on PropertySimple](https://www.propertysimple.ai/listing/4728-4th-street-loop-ne-saint-cloud-mn-56304-7125092) --- ## Structured Data ```json { "@context": "https://schema.org", "@type": "RealEstateListing", "@id": "https://www.propertysimple.ai/listing/4728-4th-street-loop-ne-saint-cloud-mn-56304-7125092#listing", "url": "https://www.propertysimple.ai/listing/4728-4th-street-loop-ne-saint-cloud-mn-56304-7125092", "name": "4728 4th Street Loop NE, Saint Cloud, MN 56304", "description": "Welcome to this spacious four-level split in the Sauk Rapids school district, offering a comfortable layout, great outdoor space, and plenty of room to make it your own! The open-concept main level creates an inviting flow between the kitchen, dining, and living areas. The kitchen features a granite center island, perfect for meal prep or gathering with family and friends. Upstairs, the primary bedroom suite offers a comfortable retreat with a walk-in closet, projector, and full private bathroom. Laundry is conveniently located right across the hall, while a second bedroom and full bathroom complete the upper level. Downstairs, the walk-out lower-level family room provides a cozy place to relax around the gas fireplace, with convenient access to the hot tub just outside. This level also features a third bedroom and 3/4 bathroom, providing a great space for guests, a home office, and more. The fourth level features an unfinished basement with valuable potential for additional living space. Whether you envision a home gym, hobby room, or workshop, the possibilities are endless. The home has also seen several updates, including a new washer and dryer in 2019, new roof and high-efficiency electric heat pump water heater in 2022, new range in 2024, and new refrigerator in 2026. Outside, enjoy a large yard with no backyard neighbors, creating both added privacy and a peaceful setting where you can watch wildlife right from your own property. The hot tub and two-tiered deck create a great spot to unwind or entertain, while the three-stall heated garage provides generous space for vehicles, toys, storage, and projects throughout the year. Located near golf, shopping, dining, and other local amenities, this home combines space, comfort, privacy, and convenience in a desirable location. 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