53 20th Ave S
Duplex · 2 units: 1 bed / 1 bath and 2 bed / 1 bath · 1,014 sq ft
Saint Cloud, MN · View the listing ↗
Photos courtesy of Edina Realty, Inc., via Realtor.com.
- Asking price
- $189,900 2 units · $95K per unit
- Monthly cash flow
- −$134 at 20% down, 7%
- Break-even price
- $164,814 where cash flow hits $0
First look
A small 1,014 sq ft duplex built in 1924 asking $189,900 in Saint Cloud, and it doesn't cash flow at the ask. Our numbers show about -$134 a month with 20% down and a 5.5% cap rate, and break-even is around $164,800. The description says new roof and siding, but the photos show only dated kitchens and baths, so verify permits and dates. Also confirm that this is really two legal units: 1,014 sq ft for a 1-bed and a 2-bed is tight, and we couldn't match a county parcel record. Worth a showing only if the price drops toward break-even and the rental license and tax bill check out.
Things to consider
- Doesn't cash flow at the ask At -$134 a month with 20% down and a 5.5% cap rate, the price is about $25K above our break-even price.
- Income is unverified No rents or leases are stated, so you're relying on our estimates of about $825 for the 1-bed and $975 for the 2-bed.
- Unit legality and taxes unknown We couldn't match a county parcel, so taxes and the legal unit count are unconfirmed, and both affect value and financing.
- Roof and siding claim needs proof New roof and siding is a major cost saver if true, so get dates and permits.Listing says: “many recent updates including new roof and siding”
- Dated interiors and unseen systems Kitchens and baths look dated and no mechanicals are shown, so budget for turnover costs and inspect heat and electrical.From photo 7
From the photos
Based on 10 of the listing photos. Photos can hide as much as they show; an inspection is the real answer.
Condition and repairs
- doneNew roofListing says: many recent updates including new roof and siding
- doneNew sidingListing says: many recent updates including new roof and siding
AI-assisted first read of the listing description and photos (Claude), checked against public records. Every rent and repair above quotes the listing; verify with the agent, leases and an inspection.
The numbers
Edit rents, costs and assumptions
Default: 20% down (no PMI), offer at asking, self-managed, 7.00% for 30 years, buyer pays closing costs (3%).
The deal
- Price
- $189,900
- Cash to close
- $24,687
- Price per unit
- $94,950
- GRM
- 8.8
Each month
- Cash flow
- −$367/mo
- Cash-on-cash
- −17.8%
- Cap rate
- 5.5%
- DSCR
- 0.71×
Break-even
- Price that breaks even
- $133,920
- Rent that breaks even
- $2,270/mo
Long run
- Year 30: property vs stocks
- $563K vs $324K
- Cash flow turns positive
- year 11
The deal
- Price
- $189,900
- Cash to close
- $24,687
- Price per unit
- $94,950
- GRM
- 8.8
Each month
- Cash flow
- −$519/mo
- Cash-on-cash
- −25.2%
- Cap rate
- 4.6%
- DSCR
- 0.58×
Break-even
- Price that breaks even
- $110,672
- Rent that breaks even
- $2,546/mo
Long run
- Year 30: property vs stocks
- $469K vs $466K
- Cash flow turns positive
- year 19
The deal
- Price
- $179,900
- Cash to close
- $23,387
- Price per unit
- $89,950
- GRM
- 8.3
Each month
- Cash flow
- −$301/mo
- Cash-on-cash
- −15.5%
- Cap rate
- 5.9%
- DSCR
- 0.74×
Break-even
- Price that breaks even
- $133,920
- Rent that breaks even
- $2,186/mo
Long run
- Year 30: property vs stocks
- $572K vs $276K
- Cash flow turns positive
- year 9
The deal
- Price
- $179,900
- Cash to close
- $23,387
- Price per unit
- $89,950
- GRM
- 8.3
Each month
- Cash flow
- −$453/mo
- Cash-on-cash
- −23.3%
- Cap rate
- 4.8%
- DSCR
- 0.62×
Break-even
- Price that breaks even
- $110,672
- Rent that breaks even
- $2,452/mo
Long run
- Year 30: property vs stocks
- $461K vs $401K
- Cash flow turns positive
- year 17
The deal
- Price
- $189,900
- Cash to close
- $43,677
- Price per unit
- $94,950
- GRM
- 8.8
Each month
- Cash flow
- −$134/mo
- Cash-on-cash
- −3.7%
- Cap rate
- 5.5%
- DSCR
- 0.87×
Break-even
- Price that breaks even
- $164,814
- Rent that breaks even
- $1,971/mo
Long run
- Year 30: property vs stocks
- $637K vs $366K
- Cash flow turns positive
- year 7
The deal
- Price
- $189,900
- Cash to close
- $43,677
- Price per unit
- $94,950
- GRM
- 8.8
Each month
- Cash flow
- −$286/mo
- Cash-on-cash
- −7.9%
- Cap rate
- 4.6%
- DSCR
- 0.72×
Break-even
- Price that breaks even
- $136,203
- Rent that breaks even
- $2,211/mo
Long run
- Year 30: property vs stocks
- $504K vs $470K
- Cash flow turns positive
- year 14
The deal
- Price
- $179,900
- Cash to close
- $41,377
- Price per unit
- $89,950
- GRM
- 8.3
Each month
- Cash flow
- −$80/mo
- Cash-on-cash
- −2.3%
- Cap rate
- 5.9%
- DSCR
- 0.92×
Break-even
- Price that breaks even
- $164,814
- Rent that breaks even
- $1,903/mo
Long run
- Year 30: property vs stocks
- $655K vs $329K
- Cash flow turns positive
- year 5
The deal
- Price
- $179,900
- Cash to close
- $41,377
- Price per unit
- $89,950
- GRM
- 8.3
Each month
- Cash flow
- −$233/mo
- Cash-on-cash
- −6.7%
- Cap rate
- 4.8%
- DSCR
- 0.76×
Break-even
- Price that breaks even
- $136,203
- Rent that breaks even
- $2,134/mo
Long run
- Year 30: property vs stocks
- $503K vs $413K
- Cash flow turns positive
- year 12
The deal
- Price
- $189,900
- Cash to close
- $53,172
- Price per unit
- $94,950
- GRM
- 8.8
Each month
- Cash flow
- −$70/mo
- Cash-on-cash
- −1.6%
- Cap rate
- 5.5%
- DSCR
- 0.93×
Break-even
- Price that breaks even
- $175,801
- Rent that breaks even
- $1,890/mo
Long run
- Year 30: property vs stocks
- $687K vs $416K
- Cash flow turns positive
- year 4
The deal
- Price
- $189,900
- Cash to close
- $53,172
- Price per unit
- $94,950
- GRM
- 8.8
Each month
- Cash flow
- −$223/mo
- Cash-on-cash
- −5.0%
- Cap rate
- 4.6%
- DSCR
- 0.77×
Break-even
- Price that breaks even
- $145,283
- Rent that breaks even
- $2,120/mo
Long run
- Year 30: property vs stocks
- $530K vs $496K
- Cash flow turns positive
- year 12
The deal
- Price
- $179,900
- Cash to close
- $50,372
- Price per unit
- $89,950
- GRM
- 8.3
Each month
- Cash flow
- −$20/mo
- Cash-on-cash
- −0.5%
- Cap rate
- 5.9%
- DSCR
- 0.98×
Break-even
- Price that breaks even
- $175,801
- Rent that breaks even
- $1,826/mo
Long run
- Year 30: property vs stocks
- $711K vs $385K
- Cash flow turns positive
- year 2
The deal
- Price
- $179,900
- Cash to close
- $50,372
- Price per unit
- $89,950
- GRM
- 8.3
Each month
- Cash flow
- −$173/mo
- Cash-on-cash
- −4.1%
- Cap rate
- 4.8%
- DSCR
- 0.81×
Break-even
- Price that breaks even
- $145,283
- Rent that breaks even
- $2,048/mo
Long run
- Year 30: property vs stocks
- $532K vs $444K
- Cash flow turns positive
- year 10
Monthly
Monthly breakdown
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Net operating income | $877 |
| Mortgage (principal + interest) | −$1,137 |
| PMI | −$107 |
| Cash flow | −$367 |
| Principal paid down (equity, not cash) | $145 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Property management | −$152 |
| Net operating income | $725 |
| Mortgage (principal + interest) | −$1,137 |
| PMI | −$107 |
| Cash flow | −$519 |
| Principal paid down (equity, not cash) | $145 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Net operating income | $877 |
| Mortgage (principal + interest) | −$1,077 |
| PMI | −$101 |
| Cash flow | −$301 |
| Principal paid down (equity, not cash) | $137 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Property management | −$152 |
| Net operating income | $725 |
| Mortgage (principal + interest) | −$1,077 |
| PMI | −$101 |
| Cash flow | −$453 |
| Principal paid down (equity, not cash) | $137 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Net operating income | $877 |
| Mortgage (principal + interest) | −$1,011 |
| Cash flow | −$134 |
| Principal paid down (equity, not cash) | $129 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Property management | −$152 |
| Net operating income | $725 |
| Mortgage (principal + interest) | −$1,011 |
| Cash flow | −$286 |
| Principal paid down (equity, not cash) | $129 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Net operating income | $877 |
| Mortgage (principal + interest) | −$958 |
| Cash flow | −$80 |
| Principal paid down (equity, not cash) | $122 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Property management | −$152 |
| Net operating income | $725 |
| Mortgage (principal + interest) | −$958 |
| Cash flow | −$233 |
| Principal paid down (equity, not cash) | $122 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Net operating income | $877 |
| Mortgage (principal + interest) | −$948 |
| Cash flow | −$70 |
| Principal paid down (equity, not cash) | $121 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Property management | −$152 |
| Net operating income | $725 |
| Mortgage (principal + interest) | −$948 |
| Cash flow | −$223 |
| Principal paid down (equity, not cash) | $121 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Net operating income | $877 |
| Mortgage (principal + interest) | −$898 |
| Cash flow | −$20 |
| Principal paid down (equity, not cash) | $114 |
| Rent | $1,800 |
| Vacancy (6%) | −$108 |
| Collected | $1,692 |
| Property tax Listing | −$126 |
| Insurance Estimate | −$171 |
| Water, sewer, trash Estimate | −$170 |
| Lawn care ($120 × 6 mo ÷ 12) | −$60 |
| Repairs (8% of rent) | −$144 |
| Capital reserve (8% of rent) | −$144 |
| Property management | −$152 |
| Net operating income | $725 |
| Mortgage (principal + interest) | −$898 |
| Cash flow | −$173 |
| Principal paid down (equity, not cash) | $114 |
Cash flow each year
Rents +3%/yr, costs +3.5%/yr. Red bars are months you'd cover out of pocket.
30 years
How those totals add up
- Your equity when you sell
- $433,281
- Rental profits, invested at 7%
- $129,776
Sells for $460,937 (value up 3% a year), minus 6% selling cost ($27,656). Rent paid down $170,910 of loan.
$83,338 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $187,924
- Monthly shortfalls, invested
- $135,744
$24,687 put into an index fund instead of the down payment and closing costs.
$22,592 you'd have paid in while the building lost money, invested instead.
The building comes out $239,390 ahead after 30 years.
- Your equity when you sell
- $433,281
- Rental profits, invested at 7%
- $35,606
Sells for $460,937 (value up 3% a year), minus 6% selling cost ($27,656). Rent paid down $170,910 of loan.
$27,718 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $187,924
- Monthly shortfalls, invested
- $278,445
$24,687 put into an index fund instead of the down payment and closing costs.
$53,909 you'd have paid in while the building lost money, invested instead.
The building comes out $2,518 ahead after 30 years.
- Your equity when you sell
- $410,465
- Rental profits, invested at 7%
- $161,320
Sells for $436,665 (value up 3% a year), minus 6% selling cost ($26,200). Rent paid down $161,910 of loan.
$98,242 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $178,028
- Monthly shortfalls, invested
- $97,675
$23,387 put into an index fund instead of the down payment and closing costs.
$15,670 you'd have paid in while the building lost money, invested instead.
The building comes out $296,083 ahead after 30 years.
- Your equity when you sell
- $410,465
- Rental profits, invested at 7%
- $50,231
Sells for $436,665 (value up 3% a year), minus 6% selling cost ($26,200). Rent paid down $161,910 of loan.
$37,111 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $178,028
- Monthly shortfalls, invested
- $223,457
$23,387 put into an index fund instead of the down payment and closing costs.
$41,477 you'd have paid in while the building lost money, invested instead.
The building comes out $59,211 ahead after 30 years.
- Your equity when you sell
- $433,281
- Rental profits, invested at 7%
- $203,873
Sells for $460,937 (value up 3% a year), minus 6% selling cost ($27,656). Rent paid down $151,920 of loan.
$116,555 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $332,480
- Monthly shortfalls, invested
- $33,578
$43,677 put into an index fund instead of the down payment and closing costs.
$5,199 you'd have paid in while the building lost money, invested instead.
The building comes out $271,094 ahead after 30 years.
- Your equity when you sell
- $433,281
- Rental profits, invested at 7%
- $71,093
Sells for $460,937 (value up 3% a year), minus 6% selling cost ($27,656). Rent paid down $151,920 of loan.
$49,361 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $332,480
- Monthly shortfalls, invested
- $137,669
$43,677 put into an index fund instead of the down payment and closing costs.
$24,943 you'd have paid in while the building lost money, invested instead.
The building comes out $34,224 ahead after 30 years.
- Your equity when you sell
- $410,465
- Rental profits, invested at 7%
- $244,921
Sells for $436,665 (value up 3% a year), minus 6% selling cost ($26,200). Rent paid down $143,920 of loan.
$132,636 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $314,972
- Monthly shortfalls, invested
- $14,295
$41,377 put into an index fund instead of the down payment and closing costs.
$2,119 you'd have paid in while the building lost money, invested instead.
The building comes out $326,118 ahead after 30 years.
- Your equity when you sell
- $410,465
- Rental profits, invested at 7%
- $92,216
Sells for $436,665 (value up 3% a year), minus 6% selling cost ($26,200). Rent paid down $143,920 of loan.
$60,665 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $314,972
- Monthly shortfalls, invested
- $98,462
$41,377 put into an index fund instead of the down payment and closing costs.
$17,086 you'd have paid in while the building lost money, invested instead.
The building comes out $89,247 ahead after 30 years.
- Your equity when you sell
- $433,281
- Rental profits, invested at 7%
- $253,297
Sells for $460,937 (value up 3% a year), minus 6% selling cost ($27,656). Rent paid down $142,425 of loan.
$135,770 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $404,759
- Monthly shortfalls, invested
- $11,397
$53,172 put into an index fund instead of the down payment and closing costs.
$1,673 you'd have paid in while the building lost money, invested instead.
The building comes out $270,422 ahead after 30 years.
- Your equity when you sell
- $433,281
- Rental profits, invested at 7%
- $96,678
Sells for $460,937 (value up 3% a year), minus 6% selling cost ($27,656). Rent paid down $142,425 of loan.
$62,933 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $404,759
- Monthly shortfalls, invested
- $91,649
$53,172 put into an index fund instead of the down payment and closing costs.
$15,773 you'd have paid in while the building lost money, invested instead.
The building comes out $33,551 ahead after 30 years.
- Your equity when you sell
- $410,465
- Rental profits, invested at 7%
- $300,206
Sells for $436,665 (value up 3% a year), minus 6% selling cost ($26,200). Rent paid down $134,925 of loan.
$152,306 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $383,445
- Monthly shortfalls, invested
- $1,746
$50,372 put into an index fund instead of the down payment and closing costs.
$245 you'd have paid in while the building lost money, invested instead.
The building comes out $325,481 ahead after 30 years.
- Your equity when you sell
- $410,465
- Rental profits, invested at 7%
- $121,675
Sells for $436,665 (value up 3% a year), minus 6% selling cost ($26,200). Rent paid down $134,925 of loan.
$75,018 of cash flow over 30 years, plus what it earned invested.
- Cash to close, invested at 7%
- $383,445
- Monthly shortfalls, invested
- $60,086
$50,372 put into an index fund instead of the down payment and closing costs.
$9,895 you'd have paid in while the building lost money, invested instead.
The building comes out $88,610 ahead after 30 years.
Future dollars. At 3% inflation, divide year-30 figures by about 2.4 for today's buying power. Rental profits are assumed invested, not spent.
30 years: this property vs. the same money in stocks
Year 30 (loan paid off): property $563K, stocks $324K. The property wins.
Year 30 (loan paid off): property $469K, stocks $466K. The property wins.
Year 30 (loan paid off): property $572K, stocks $276K. The property wins.
Year 30 (loan paid off): property $461K, stocks $401K. The property wins.
Year 30 (loan paid off): property $637K, stocks $366K. The property wins.
Year 30 (loan paid off): property $504K, stocks $470K. The property wins.
Year 30 (loan paid off): property $655K, stocks $329K. The property wins.
Year 30 (loan paid off): property $503K, stocks $413K. The property wins.
Year 30 (loan paid off): property $687K, stocks $416K. The property wins.
Year 30 (loan paid off): property $530K, stocks $496K. The property wins.
Year 30 (loan paid off): property $711K, stocks $385K. The property wins.
Year 30 (loan paid off): property $532K, stocks $444K. The property wins.
Comparable rentals
The closest rental listings with each unit's bedroom count, as of 2026-10-06. The estimate is the median asking rent of every rental we found nearby (the count is shown for each); houses are left out. Asking rents from Realtor.com rental listings, not signed leases.
1 bed estimate $825/mo · range $675–$925 · 16 rentals within 1.5 mi
| Address | Rent | Bd / Ba | Distance |
|---|---|---|---|
| 1921 7th St N, Saint Cloud | $800 | 1 / 1 | 0.9 mi |
| 825 9th Ave S, Saint Cloud | $845 | 1 / 1 | 1.0 mi |
| 3346 W Saint Germain St, Saint Cloud | $815 | 1 / 1 | 1.0 mi |
| 1710 11th Ave S Apt 1, Saint Cloud | $890 | 1 / 1 | 1.1 mi |
| 830 13th St S, Saint Cloud | $1,040 | 1 / 1.5 | 1.1 mi |
| 1910 10th Ave S Apt 5, Saint Cloud | $800 | 1 / 1 | 1.2 mi |
| 3600 W Saint Germain St, Saint Cloud | $1,270 | 1 / 1 | 1.3 mi |
| 1920 10th Ave S Apt 3, Saint Cloud | $800 | 1 / 1 | 1.3 mi |
| 828 9th Ave N, Saint Cloud | $795 | 1 / 1 | 1.3 mi |
| A 575 7th St S Unit 103, Saint Cloud | $340 | 1 / 1 | 1.3 mi |
2 bed estimate $975/mo · range $925–$1,175 · 17 rentals within 1.5 mi
| Address | Rent | Bd / Ba | Distance |
|---|---|---|---|
| 2611 Goettens Way Apt 202, Saint Cloud | $1,175 | 2 / 1 | 0.7 mi |
| 1423 6th St N, Saint Cloud | $950 | 2 / 1 | 0.9 mi |
| 344 33rd Ave N, Saint Cloud | $950 | 2 / 1 | 1.0 mi |
| 625 12th Ave N Apt 212, Saint Cloud | $1,175 | 2 / 1 | 1.0 mi |
| 825 9th Ave S, Saint Cloud | $1,000 | 2 / 1 | 1.0 mi |
| 410 33rd Ave N, Saint Cloud | $900 | 2 / 1 | 1.0 mi |
| 3346 W Saint Germain St, Saint Cloud | $995 | 2 / 1 | 1.0 mi |
| 3457 3rd St N Apt 305, Saint Cloud | $950 | 2 / 1 | 1.1 mi |
| 616 10th Ave N, Saint Cloud | $795 | 2 / 1 | 1.1 mi |
| 830 13th St S, Saint Cloud | $1,110 | 2 / 1.5 | 1.1 mi |
On the maps, this property and comparable rentals. Comparable rentals and rent estimate: Realtor.com rental listings. Rents are asking rents from listings; check them against the actual leases.
Red flags and opportunities
Watch for
- mediumCouldn't match this address to a county parcel record, so taxes and unit count are unverified. Public record: County parcels: no match for 53 20TH AVE S
- mediumSize looks small for a legal 1-bed plus 2-bed duplex; confirm unit count and licensing. Based on: data: listing.sqft · AI review
- mediumListing gives no rents, lease status or expenses, so income is unverified. Based on: data: rent_estimate · AI review
- lowBoth baths show clawfoot tubs and worn flooring; the upper bath has a sloped ceiling and a tub with no visible shower setup. Based on: photo 9 · AI review
Opportunities
- No rent cap, so rents can follow the market after a refresh of the dated kitchens and baths. Based on: data: underwriting.rent_rule · AI review
- Detached garage adds parking and possible garage income or storage value. Based on: photo 2 · AI review
Questions for the agent
- What are the current rents, lease types and lease end dates for each unit?
- Who pays heat, water and electric, and are there separate meters and furnaces?
- What were the roof and siding dates, who did the work, and were permits pulled?
- Is this a licensed two-unit rental with a city rental license?
- What are the annual property taxes, and is there any special assessment?
- Why has it sat 45 days, and is the seller flexible on price?
Bottom line
Cheap-looking duplex with a new roof and siding claimed, but at $189,900 it loses money, so it only works nearer $165K after you verify the units and taxes. AI-assisted summary
What the records say
Where each number comes from
| Property tax / yr Listinglisting, tax year 2026. The tax the listing states. If the seller lives there it may be at the lower homestead rate; an investor owner pays the non-homestead rate, often 20–40% more on the owner's unit. | $1,508 |
| Insurance / yr Estimateestimate. from units, square feet and age; get a quote | $2,054 |
| Water, sewer, trash / mo Estimateestimate. $85/unit/mo, owner-paid | $170 |
| Heat / mo Assumptionassumption. tenants pay heat; confirm with the agent | $0 |
| Lawn care / mo Assumptionassumption. $120/mo for 6 months, spread over 12; no snow removal | $60 |
| Repairs / capital reserve Rulerule. base rate | 8% / 8% |
Price history Realtor.com
On the market since 2026-08-21 (45 days); last sold for $149,900 on 2023-03-20.
| Date | Event | Price |
|---|---|---|
| Listed | $189,900 | |
| Sold public record | $149,900 | |
| Sold | $149,900 | |
| Sold | $107,000 | |
| Listed | $109,900 | |
| Sold | $47,500 | |
| Price changed | $52,900 | |
| Price changed | $56,900 | |
| Listed | $59,900 |
From the listing Listing
| Listed as | duplex up and down |
| Property tax, 2026 | $1,508 |
| County | Stearns |
| Parcel number | 82514420000 |
As the listing states it (NorthstarMLS, via Realtor.com). We don't have county records here yet; check the tax, homestead status and special assessments with the county.
Crime, rental-license and vacant-building records are only available for St. Paul and Minneapolis so far. Check with Saint Cloud on rental licensing before you buy.