Vintage Saint Cloud Rehab – 4/2

This 1919 build, State Streets home in Saint Cloud has 4 bedrooms, 2 baths, 1,083 heated square feet, a 13,068-square-foot lot, and no HOA. The property needs a full rehab, addressing the roof, exterior facade, uneven floors, kitchen, baths, majors and finishes. The water heater is from 2023. Downtown St. Cloud, shopping, dining, entertainment, and the lakefront are nearby. Flood zone X.

Estimated Repairs Needed

• Metal-roof replacement; fascia, soffit, eave, flashing, and roof-substrate repairs
• Rotted siding, window and door trim, rim-joist, porch, step, concealed-framing, and WDO repairs
• Soft and uneven flooring, subfloor, joist, pier, and support repairs
• Double-tapped breaker correction; electrical-panel, mixed-conductor, grounding, and branch-wiring upgrades
• Kitchen and bathroom water-service restoration; supply, drain, fixture, valve, and water-heater installation repairs
• Permanent HVAC replacement or complete central-equipment and duct-system
• Full kitchen renovation with cabinets, counters, sink, faucet, flooring, lighting, paint, and appliance updates
• Full renovation of both bathrooms, including plumbing, waterproofing, ventilation, flooring, and finishes
• Interior wall, ceiling, flooring, paint, trim, door, hardware, lighting
• Tree and vegetation trimming, debris removal, localized grading, and landscaping restoration

Comparable Sales

1. 807 Minnesota Ave – 0.13 miles away; 3/2, 1,138 square feet; sold May 2026 for $322,000; 7,492-square-foot lot; no pool; driveway and alley parking with no garage; fully rebuilt and permitted in 2023 with updated roof, A/C, insulation, tankless water heater, windows, kitchen, and baths; exact 1919 age match with a smaller lot and one fewer bedroom, but a superior current-code renovation.
2. 1500 Wisconsin Ave – 0.64 miles away; 3/2, 1,145 square feet; sold February 2026 for $308,069; 7,492-square-foot lot; no pool; one-space driveway parking with no garage; renovated with luxury-vinyl flooring, a new kitchen, and stainless appliances; similar size with one fewer bedroom and a smaller lot, but superior 1957 block/slab construction.
3. 319 Minnesota Ave – 0.28 miles away; 3/2, 1,275 square feet; sold July 2026 for $335,000; 9,365-square-foot lot; no pool; attached two-car garage; updated kitchen, granite counters, luxury-vinyl flooring, refreshed baths and paint, and an October 2025 roof; larger and newer block construction with superior garage parking, offset by the subject’s additional bedroom and larger lot.

ARV & Rental Analysis

Estimated ARV: $290,000 to $310,000 +/-

Estimated Rent: $2,000 to $2,150 per month +/-