Looking for more space without giving up a convenient location? This charming 1.5-story home sits on an almost half-acre lot and offers a rare combination of outdoor space, future potential, and a large detached 3-stall garage. Whether you need room for vehicles, recreational equipment, or additional storage, this garage delivers the flexibility that is hard to find. Inside, the home features 2 bedrooms, 2 bathrooms, beautiful hardwood floors, and low-maintenance vinyl windows. Step outside onto the expansive deck, offering plenty of room to grill, entertain, or simply relax and enjoy the outdoors. The home was moved onto the property, at which time the electrical and plumbing systems throughout the home were updated. The unfinished lower level already includes egress windows and provides excellent storage along with exciting possibilities for additional finished living space. Conveniently located in Clearwater with quick access to I-94 and Highway 24, the property offers an easy connection to St. Cloud, Monticello, and surrounding communities. With nearly half an acre, a huge deck, large 3-stall garage, and room to add value, this property is packed with potential and ready for its next owner!
Active
Price cut: $30K (10/6)
$290,000
435 Bluff St, Clearwater, MN 55320
2beds
1,437sqft
Single Family
Built in 1947
0.44 Acres Lot
$290,400 Zestimate®
$202/sqft
$-- HOA
What's special
- 39 days
- 423
- 20
Zillow last checked:
Listing updated:
Listed by:
Joseph Weinzetl 763-772-7898,
SODL
Source: NorthstarMLS as distributed by MLS GRID,MLS#: 7141823
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 1
- 3/4 bathrooms: 1
Bedroom
- Level: Upper
- Area: 154 Square Feet
- Dimensions: 11 X 14
Bedroom 2
- Level: Upper
- Area: 154 Square Feet
- Dimensions: 11 X 14
Dining room
- Level: Main
- Area: 150 Square Feet
- Dimensions: 15 X 10
Kitchen
- Level: Main
- Area: 130 Square Feet
- Dimensions: 13 X 10
Living room
- Level: Main
- Area: 176 Square Feet
- Dimensions: 11 X 16
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
- Laundry: In Basement
Features
- Basement: Block,Daylight,Egress Window(s),Unfinished
- Has fireplace: No
Interior area
- Total structure area: 2,219
- Total interior livable area: 1,437 sqft
- Finished area above ground: 1,437
- Finished area below ground: 0
Property
Parking
- Total spaces: 3
- Parking features: Detached Garage, Concrete
- Garage spaces: 3
- Details: Garage Dimensions (36 X 24), Garage Door Height (7), Garage Door Width (8)
Accessibility
- Accessibility features: None
Features
- Levels: One and One Half
- Stories: 1.5
- Patio & porch: Deck
Lot
- Size: 0.44 Acres
- Dimensions: 120 x 160
Details
- Foundation area: 782
- Parcel number: 104010029020
- Zoning description: Residential-Single Family
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family
Materials
- Roof: Age 8 Years or Less,Asphalt,Pitched
Condition
- New construction: No
- Year built: 1947
Utilities & green energy
- Gas: Natural Gas
- Sewer: City Sewer/Connected
- Water: City Water/Connected
Community & HOA
Community
- Subdivision: Original Clearwater
HOA
- Has HOA: No
Location
- Region: Clearwater
Financial & listing details
- Price per square foot: $202/sqft
- Tax assessed value: $283,800
- Annual tax amount: $3,384
- Date on market: 9/10/2026
- Road surface type: Paved
Estimated market value
$290,400
$276,000 - $305,000
$1,947/mo
Price history
| Date | Event | Price |
|---|---|---|
| 10/6/2026 | Price change | $290,000-9.4%$202/sqft |
Source:  NorthstarMLS as distributed by MLS GRID #7141823 Report a problem | ||
| 9/25/2026 | Price change | $320,000-3%$223/sqft |
Source: NorthstarMLS as distributed by MLS GRID #7141823 Report a problem | ||
| 9/10/2026 | Listed for sale | $330,000+175%$230/sqft |
Source: NorthstarMLS as distributed by MLS GRID #7141823 Report a problem | ||
| 5/23/2022 | Sold | $120,000-19.9%$84/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6132032 Report a problem | ||
| 4/19/2022 | Pending sale | $149,900$104/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6132032 Report a problem | ||
| 12/3/2021 | Listed for sale | $149,900+42.8%$104/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6132032 Report a problem | ||
| 6/6/2001 | Sold | $105,000$73/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $3,246 +4% | $283,800 +2.7% |
| 2024 | $3,120 +219% | $276,400 +2.9% |
| 2023 | $978 +4% | $268,500 +352% |
| 2022 | $940 +0.9% | $59,400 +16.2% |
| 2021 | $932 +2.4% | $51,100 +4.9% |
| 2020 | $910 -88.4% | $48,700 |
| 2019 | $7,860 +763.7% | $48,700 +2.3% |
| 2018 | $910 +43.1% | $47,600 -85.6% |
| 2017 | $636 -89.5% | $329,500 |
| 2016 | $6,066 | -- |
| 2015 | $6,066 +17.1% | -- |
| 2014 | $5,178 -6.8% | -- |
| 2013 | $5,558 -2.1% | -- |
| 2012 | $5,680 +9% | -- |
| 2011 | $5,213 -4.6% | -- |
| 2010 | $5,464 +5.8% | -- |
| 2009 | $5,166 -5% | -- |
| 2008 | $5,440 -7.4% | -- |
| 2007 | $5,874 +19.6% | -- |
| 2006 | $4,910 +2.8% | -- |
| 2005 | $4,778 +14.7% | -- |
| 2004 | $4,166 -4% | -- |
| 2003 | $4,338 -12.1% | -- |
| 2002 | $4,934 -23.5% | -- |
| 2001 | $6,449 | -- |
Find assessor info on the county website
Monthly payment
Est. payment
Payment breakdown
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Neighborhood: 55320
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