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1234 Mill Creek Circle
1234 Mill Creek Circle
1234 Mill Creek Circle
1234 Mill Creek Circle
1234 Mill Creek Circle

1234 Mill Creek Circle, Saint Cloud, MN 56303 - MLS# 7160923

MLS® #: 7160923|Days on Market: 13|Listed: Oct 15, 2026

$390,000

Bedrooms
5
Bathrooms
4
Square Feet
3,432
Acres
0.4
Year Built
1996
Property Type
Residential
Heating
Natural Gas, Forced Air
Cooling
Ceiling Fan(s), Central Air
Garages
3
Days on Market
13
School District
742 - St. Cloud

Space, style, and incredible outdoor living come together in this beautifully updated 5-bedroom, 4-bathroom two-story home with a 3-car garage! Step inside to discover sun-filled living spaces, refinished hardwood floors, a cozy fireplace, private office, and an updated kitchen featuring granite countertops, stainless steel appliances, and a built-in wine rack. Upstairs, you'll find four spacious bedrooms, including a primary suite with a walk-in closet and private bath with soaking tub and separate shower. The finished lower level is perfect for entertaining or everyday living, offering a large recreation room, fully equipped kitchenette, fifth bedroom, bathroom, and two versatile bonus rooms. The impressive features continue outdoors! Enjoy a maintenance-free deck, stamped concrete patio, and screened cedar gazebo overlooking a beautiful wooded backyard. Major improvements include a hail-resistant roof, high-efficiency furnace and A/C, remodeled bathrooms, new water heater, and added attic insulation. Conveniently located near parks, trails, pickleball courts, neighborhood pool, shopping, and dining, this home offers an incredible combination of space, updates, and outdoor enjoyment!

1234 Mill Creek Circle, Saint Cloud, MN 56303

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Interior Information

BasementBlock, Egress Window(s), Finished, Full, Kitchenette, Sump Pump
AppliancesDishwasher, Disposal, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances
CoolingCentral Air
HeatingForced Air
FuelNatural Gas
Fireplaces2
Fireplace FeaturesAmusement Room, Family Room, Gas
LaundryElectric Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup
Dining RoomBreakfast Bar, Kitchen/Dining Room, Separate/Formal Dining Room
Interior AmenitiesCeiling Fan(s), Deck, Exercise Room, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Porch, Tile Floors, Washer/Dryer Hookup, Wet Bar, Walk-In Closet

Size & Levels

LevelsTwo
Total Finished Sq Ft3,496 sq ft
Above Grade Finished2,236 sq ft
Below Grade Finished1,196 sq ft
Main Level Finished1,276 sq ft

Bathrooms

Full Baths1
3/4 Baths2
1/2 Baths1
Bathroom Details3/4 Basement, Double Sink, Bathroom Ensuite, Full Primary, Private Primary, Main Floor 1/2 Bath, Separate Tub & Shower, Upper Level 3/4 Bath, Upper Level Full Bath, Walk-In Shower Stall

Rooms

Other Rooms

Living Room11' x 13'
Family Room14' x 13'
Dining Room11' x 12'
Dining Room10' x 14'
Kitchen12' x 11'
Office11' x 9'
Bedroom11' x 13'
Bedroom 214' x 12'
Bedroom 310' x 13'
Bedroom 413' x 12'
Bedroom 511' x 11'
Laundry9' x 8'
Flex Room9' x 9'
Recreation Room36' x 13'
Deck19' x 17'
Patio14' x 16'
Exercise Room10' x 13'
Screened Porch15' x 15'
Porch17' x 8'

Exterior & Parking

ExteriorStone, Vinyl
RoofAge Over 8 Years, Asphalt
FoundationBlock
Patio / PorchComposite Decking, Deck, Front Porch, Patio, Porch, Screened
PoolShared
Garage Stalls3
ParkingAttached Garage, Concrete, Garage Door Opener

Lot & Utilities

Property SubtypeSingle Family
Lot Size0.4 acres
Lot Dimensions121x164x80x174
Lot DescriptionTree Coverage - Medium
ZoningResidential-Single Family
SubdivisionMill Creek
TownshipSaint Cloud
CountyStearns
SewerCity Sewer/Connected
WaterCity Water/Connected
FencingInvisible
Other StructuresGazebo

Homeowners Association

Association Fee$600 / year
AssociationMill Creek HOA
Assessment PendingNo
Fee IncludesShared Amenities
AmenitiesOther

Financial & Tax Information

Annual Taxes$5,682
Tax Year2026
Tax w/ Assessments$5,682
Assessment PendingNo
Parcel Number82486880033
Financing OptionsConventional, VA, FHA, Cash
List TypeExclusive Right To Sell

Nearby Amenities

AmenitiesPool

Location

Call 612-356-2121For Showings and Questions

Schools

St. Cloud Public School District

This home is in the Madison Elementary, North Junior High Middle and Apollo Senior High attendance areas of St. Cloud Public School District.

Elementary

Madison Elementary

Grades PK-5 · 1.4 mi away

Enrollment
704
Students per teacher
13.8

2805 9th St N, Saint Cloud, MN 56303

(320) 370-6330

Middle

North Junior High

Grades 6-8 · 1.1 mi away

Enrollment
720
Students per teacher
16.4

1212 29th Ave N, Saint Cloud, MN 56303

(320) 370-7000

High

Apollo Senior High

Grades 9-12 · 1.9 mi away

Enrollment
1,264
Students per teacher
16.9

1000 44th Ave N, Saint Cloud, MN 56303

(320) 370-6790

School assignments can change. Verify enrollment with St. Cloud Public School District.

Sources: Minnesota Department of Education attendance areas (2025-26); NCES Common Core of Data 2024 via the Urban Institute Education Data Portal.

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Listed by: Keller Williams Classic Rlty NW
Source: NorthstarMLS

Copyright 2026 Regional Multiple Listing Service of Minnesota, Inc. All rights reserved. Information Deemed Reliable But Not Guaranteed. The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity℠ Program of the Regional Multiple Listing Service of Minnesota, Inc. Real estate listings held by brokerage firms other than Pederson Realty are marked with the Broker Reciprocity℠ logo or the Broker Reciprocity℠ thumbnail logo (a little black house) and detailed information about them includes the name of the listing brokers.