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$489,900

($281,459 down)
VA

1419 23rd Street SE, Saint Cloud, MN 56304

3
3
2,893 sqft
PITI Monthly
$1,579.39 /mo

Listing courtesy of: , Coldwell Banker Realty

Assumed Rate

3.02%
7.15%

Principal & Interest

$982 /mo
$1,569 /mo

What's Special

DINING
SPACIOUS
WALK-IN CLOSET
FLEX SPACE
LANDSCAPED
COZY

Welcome to your dream home! This beautifully designed rambler combines functionality and elegance with all amenities on one-level and no stairs in to home. Appreciate the attention to detail beginning in the kitchen - Brenny Custom Cabinetry, Cambria counter tops, tile backsplash, pot spout, 2 drawer Fischer & Paykel dishwasher and walk-in pantry. Take in the wooded views from the dining room and living room (adjacent property is owned by the City, allowing for no backyard neighbors), then make your way to the primary bedroom for more spectacular views, a spacious walk-in closet and private bathroom. As you finish up the main level, stop to appreciate the Jacuzzi/soaker tub in the second main-level bathroom, the laundry room with front loading washer/dryer and second bedroom which is currently used as a den/office space. Lower level is fully-finished and walks-out to the backyard. You'll find a cozy bedroom and large family room with great natural light - lower level has in-floor heat for extra comfort. A flex space in the lower level provides for many options - another bedroom, storage, hobby room or art studio! Yard is beautifully landscaped - have a cup of coffee on the front porch in the morning and enjoy the peace of the backyard in the evening. This home has been immaculately maintained; pride of ownership shines through in every room of this property.

... Show more

Assumption Snapshot

Type of Loan
VA
Interest Rate
3.02
Remaining Loan Term
25 years, 4 months
Monthly PITI
$1,579.39/mo
Estimated Loan Balance
$210,259
Cash to close
$281,459
Interest Paid
$31,127

Facts & Features

Interior

Bedrooms & Bathrooms
  • Bedrooms: 3
  • Bathrooms: 3
Cooling & Heating
  • Cooling: Central Air
  • Heating: Forced Air, Radiant Floor
Features
  • Materials: Steel Siding
  • Community: Unknown
  • Has Fireplace: Yes
  • Fireplace Features: Gas, Living Room
  • Flooring: Unknown

Exterior

Fencing
  • Fencing: Unknown
Roof
  • Roof: Age 8 Years or Less, Asphalt
Parking
  • Garage: Yes
  • Garage Spaces: 3
  • Carport: No
  • Carport Spaces:
Water
  • Sewer: City Sewer/Connected
  • Water Source: City Water/Connected
Pool
  • Has Pool: No
  • Pool Features: Unknown

Construction

Type & Style
  • Stories:
  • Home type: Single Family Residence
  • Architectural Style: Unknown
Materials
  • Steel Siding
  • Roof: Age 8 Years or Less, Asphalt
Condition
  • Year Built: 2005
Details
  • Builder:

Community & HOA

Community
  • Subdivision: Sterling Heights Eight
  • Features: No Stairs External
HOA
  • Has HOA: No
Location
  • Region: Saint Cloud

Financial Details

  • Price per Sqft: $169.34
  • Tax Annual Amount: $5170
  • On Market Date: 2025-04-28T00:00:00.000Z
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

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Savings Calculator

Current cash to close is $281,459 (57%)
You can enter any amount below - secondary financing will cover the difference if needed.
57%
$

You cover the entire equity of $281,459!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.02% Sellers Rate
$208,441
Your Cash:$281,459
Total Purchase Price:$489,900

Assumed vs Traditional Mortgage

Assumed @ 3.02%
$982/mo
Traditional @ 7.15%
$1,627/mo
You save $646/month ($7,747/year)

*Secondary financing rates are an estimated value based on input

MLS ID: NST6709672

Listing From: northstar

Last updated: 2025-04-30T10:03:04.000Z

© , northstar. All rights reserved. Information deemed to be reliable but not guaranteed. The data relating to real estate for sale on this website comes in part from the Broker Reciprocity Program. Listing broker has attempted to offer accurate data, but buyers are advised to confirm all items. IDX information is provided exclusively for consumers’ personal, non-commercial use and that it may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed to be accurate. Listing information updated daily.

Assumed Rate

3.02%
7.15%

Principal & Interest

$982 /mo
$1,569 /mo
Inquire about this property

We will reach out to you with more details

Apply to Assume

Fill out an application to explore financing options for assuming this loan.

Apply now

Savings Calculator

Current cash to close is $281,459 (57%)
You can enter any amount below - secondary financing will cover the difference if needed.
57%
$

You cover the entire equity of $281,459!

Enter a smaller amount if you prefer to use secondary financing.

Loan Breakdown

Assumed Mortgage3.02% Sellers Rate
$208,441
Your Cash:$281,459
Total Purchase Price:$489,900

Assumed vs Traditional Mortgage

Assumed @ 3.02%
$982/mo
Traditional @ 7.15%
$1,627/mo
You save $646/month ($7,747/year)

*Secondary financing rates are an estimated value based on input

Follow Us
Exit Realty
Agent/Broker
Jeff KlemmerExit Realty(651) 600-7997assumptions@exitspringside.comMLS #40195899

© Listing Service, All rights reserved. The data relating to real estate for sale on this website comes in part from the Listing Service. Real estate listings held by brokerage firms other than Exit Realty are marked with the Listing Service logo and detailed information about them includes the name of the listing brokers. All information deemed reliable but not guaranteed and should be independently verified. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) nor Listing Service shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless.

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