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181 Cardinal Lane, Clearwater, MN 55320

$307,000

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,963 Lot Size (sq. ft.): 6,098 Status: Closed

Current Price: $307,000 List Date: 4/10/2025 Last Modified: 7/20/2026

Overview

Description

Twin home / Sellers have Assumable VA loan with rate of 3%. Primary Suite and Private Bathroom. Guest Bedroom and separate Bathroom. 4 Season Porch, Concrete Patio, Heated Garage with Concrete Driveway and Front entry area. Large Kitchen with Breakfast Bar, Kitchen Dinette. Anderson Windows. Gas Fireplace in Living Room. Finished Extra Storage above garage. Amenities include Club House with Pool, Exercise Room, Park overlooking Mississippi River, Library. Flexible Closing

Listing Details MLS# 6688308

General Property Information

Assoc Mgmt Co. Phone #: 320-558-1188
Association Fee Frequency: Monthly
Association Mgmt Co. Name: Clearwater Estates HOA
Common Wall: Yes
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Other Parking Spaces: 2
Waterfront YN: No
Year Built: 1999
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: Yes
Bath Three Quarters: Yes
Main Floor Total SqFt: 1963
Above Grd Total SqFt: 1963
Total SqFt: 1963
Total Finished Sqft: 1963.00
FireplaceYN: Yes
Style: Twin Home
Foundation Size: 1963
Association Fee: 272
Garage Stalls: 2
Lot Dimensions: Common
Acres: 0.14
Assessment Pending: No
Bath Half: 0
Bath Quarter: 0
Below Grd Total SqFt: 0

Property Features

Accessible: No Stairs External; No Stairs Internal Air Conditioning: Central Air Amenities Unit: Ceiling Fan(s); French Doors; In-Ground Sprinkler; Main Floor Primary Bedroom; Natural Woodwork; Paneled Doors; Patio; Porch; Sun Room; Tile Floors; Vaulted Ceiling(s); Walk-In Closet Appliances: Dishwasher; Disposal; Dryer; Microwave; Range; Refrigerator; Washer Association Fee Includes: Cable TV; Hazard Insurance; Sanitation; Shared Amenities Assumable Loan: Yes w/ Qualifying Basement: None Bath Description: Main Floor 3/4 Bath; Full Primary; Private Primary; Separate Tub & Shower Construction Materials: Brick; Concrete; Frame Construction Status: Previously Owned Dining Room Description: Breakfast Area; Breakfast Bar; Eat In Kitchen; Kitchen/Dining Room; Separate/Formal Dining Room Electric: 150 Amp Service; Circuit Breakers Existing Financing: VA Exterior: Brick/Stone; Steel Siding Fencing: None Financing Terms: Cash Fireplace Characteristics: Gas Burning; Living Room Foundation: None Fuel: Natural Gas Heating: Forced Air Laundry: Laundry Room; Sink; Washer Hookup Lot Description: Tree Coverage - Light; Underground Utilities Parking Characteristics: Garage Door Opener; Heated Garage; Other Pool Description: Below Ground; Heated; Shared Road Frontage: Curbs; Paved Streets; Private Road; Sidewalks; Storm Sewer; Street Lights Road Responsibility: Association Maintained Road Roof: Age 8 Years or Less; Architectural Shingle; Asphalt Shingles; Pitched Sellers Terms: Assumable; Cash; Conventional; FHA; VA Sewer: City Sewer/Connected Special Search: All Living Facilities on One Level; Main Floor Bedroom; Main Floor Laundry; Main Floor Primary; Primary Bdr Suite Stories: One Townhouse Characteristics: End Unit; No Exterior Stairs; No Interior Stairs; Street-Level Water: City Water/Connected

Contract Information

Off Market Date: 2025-06-18
Contingency: None
Closed Date: 2025-07-17
Original List Price: 324900
Sales Close Price: 307000
ListPrice: 318000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 181
Street Name: Cardinal
Street Suffix: Lane
Postal City: Clearwater
County: Wright
State: MN
Zip Code: 55320
Complex/Dev/Subdivision: Clearwater Estates 3

Assessments

Tax With Assessments: 3788
Assessment Balance: 0

Building Information

Finished SqFt Above Ground: 1963

More Information

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 24 x 24
Garage Square Feet: 576
Garage Door Opener: Yes
Heated Garage: Yes
Other: Yes

Public Survey Info

Range#: 27
Section#: 02
Township#: 122

Office/Member Info

Association: SPAAR

Location, Tax and Other Information

AssocFeeYN: Yes
Legal Description: SECT-02 TWP-122 RANGE-027 CLEARWATER ESTATES PLAT 3 LOT-006 BLOCK-003
Listing City: Clearwater
Map Page: Yes
Municipality: Clearwater
School District: St. Cloud
School District Phone: 320-253-9333
Zip Plus 4: 2026
Property ID Number: 104022003060
Tax Year: 2024
Tax Amount: 3788
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Twin home / Sellers have Assumable VA loan with rate of 3%. Primary Suite and Private Bathroom. Guest Bedroom and separate Bathroom. 4 Season Porch, Concrete Patio, Heated Garage with Concrete Driveway and Front entry area. Large Kitchen with Breakfast Bar, Kitchen Dinette. Anderson Windows. Gas Fireplace in Living Room. Finished Extra Storage above garage. Amenities include Club House with Pool, Exercise Room, Park overlooking Mississippi River, Library. Flexible Closing
Directions: Hwy 24 to County Road 75, East to Main Street, North on Main Street to Eagle Drive, Right to Cardinal Lane, Left to Home on Right.

Accessible

No Stairs External: Yes
No Stairs Internal: Yes

Air Conditioning

Central Air: Yes

Amenities Unit

Ceiling Fan(s): Yes
French Doors: Yes
In-Ground Sprinkler: Yes
Main Floor Primary Bedroom: Yes
Natural Woodwork: Yes
Paneled Doors: Yes
Patio: Yes
Porch: Yes
Sun Room: Yes
Tile Floors: Yes
Vaulted Ceiling(s): Yes
Walk-In Closet: Yes

Appliances

Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes

Association Fee Includes

Cable TV: Yes
Hazard Insurance: Yes
Sanitation: Yes
Shared Amenities: Yes

Assumable Loan

Yes w/ Qualifying: Yes

Basement

None: Yes

Bath Description

Main Floor 3/4 Bath: Yes
Full Primary: Yes
Private Primary: Yes
Separate Tub & Shower: Yes

Construction Materials

Brick: Yes
Concrete: Yes
Frame: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Breakfast Area: Yes
Breakfast Bar: Yes
Eat In Kitchen: Yes
Kitchen/Dining Room: Yes
Separate/Formal Dining Room: Yes

Electric

150 Amp Service: Yes
Circuit Breakers: Yes

Existing Financing

VA: Yes

Exterior

Brick/Stone: Yes
Steel Siding: Yes

Fencing

None: Yes

Financing Terms

Cash: Yes

Fireplace Characteristics

Gas Burning: Yes
Living Room: Yes

Foundation

None: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Laundry

Laundry Room: Yes
Sink: Yes
Washer Hookup: Yes

Lot Description

Tree Coverage - Light: Yes
Underground Utilities: Yes

Patio, Porch and Deck Features

Patio: Yes

Pool Description

Below Ground: Yes
Heated: Yes
Shared: Yes

Restriction/Covenants

Mandatory Owners Assoc: Yes
Pets - Cats Allowed: Yes
Pets - Dogs Allowed: Yes

Road Frontage

Curbs: Yes
Paved Streets: Yes
Private Road: Yes
Sidewalks: Yes
Storm Sewer: Yes
Street Lights: Yes

Road Responsibility

Association Maintained Road: Yes

Roof

Age 8 Years or Less: Yes
Architectural Shingle: Yes
Asphalt Shingles: Yes
Pitched: Yes

Sellers Terms

Assumable: Yes
Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Sewer

City Sewer/Connected: Yes

Special Search

All Living Facilities on One Level: Yes
Main Floor Bedroom: Yes
Main Floor Laundry: Yes
Main Floor Primary: Yes
Primary Bdr Suite: Yes

Stories

One: Yes

Townhouse Characteristics

End Unit: Yes
No Exterior Stairs: Yes
No Interior Stairs: Yes
Street-Level: Yes

Water

City Water/Connected: Yes

Room Information

Room Name	Dimensions	Level
Laundry	8 x 6	Main
Four Season Porch	16 x 8	Main
Informal Dining Room	10 x 8	Main
Patio	15 x 15	Main
Living Room	20 x 16	Main
Second (2nd) Bedroom	12 x 10	Main
First (1st) Bedroom	16 x 14	Main
Kitchen	12 x 11	Main
Dining Room	14 x 12	Main

Listing Office: MNsota Real Estate

Last Updated: July - 20 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.