Saint Cloud Homes with Three Level Split Stories

Welcome to Saint Cloud, Minnesota—a vibrant city that beautifully blends small-town charm with urban conveniences. Nestled along the banks of the Mississippi River, Saint Cloud is known for its picturesque parks, bustling downtown, and a strong sense of community. With a rich history and a diverse population, this city offers a variety of cultural experiences, recreational activities, and educational opportunities, making it an ideal place for families, professionals, and retirees alike.

One of the standout features of Saint Cloud’s real estate market is the availability of three-level split story homes. These unique properties are designed to maximize space and functionality, providing ample room for both living and entertaining. Typically featuring a main level with a spacious living room, dining area, and kitchen, these homes often have two additional levels that can accommodate bedrooms and recreational spaces. The split-level design allows for privacy and separation, making it perfect for families or those who enjoy hosting guests.

The three-level split story homes in Saint Cloud often come with modern amenities and spacious yards, ideal for outdoor gatherings or simply enjoying the serene Minnesota landscape. With easy access to local parks, schools, and shopping centers, residents can enjoy the best of both worlds—peaceful suburban living with the excitement of city life just a stone's throw away.

Whether you’re looking for a cozy family home or a place to settle down, Saint Cloud’s three-level split stories offer an inviting and practical solution. Discover your dream home in this charming city today!

Newest Saint Cloud Homes with Three Level Split Stories

$799,900

3 Beds ⋅ 4 Baths ⋅ 7118864 MLS

Exceptional executive-style home nestled on a quiet dead-end road with the Sauk River as your backyard backdrop. This prime location offers the perfect blend of privacy and convenience, with CentraCare Plaza just a short walk or bike ride away. Step inside to discover quality craftsmanship and elegant finishes throughout, including rare imported hand-carved wood fireplaces, beautiful tile flooring, sparkling glass chandeliers, and a stunning double-sided fireplace that creates a warm, inviting focal point for multiple living spaces. The spacious primary suite offers a private deck overlooking the peaceful river setting—an ideal place to enjoy your morning coffee or unwind at the end of the day. Whether you're entertaining guests or enjoying a quiet evening at home, this property offers a unique combination of luxury, character, and natural beauty. If you've been searching for an executive home with distinctive architectural details, a picturesque riverfront setting, and an unbeatable location close to work, shopping, dining, and everyday amenities, this is a must-see opportunity. approximately 301ft of river frontage.

4218 White Drive, Saint Cloud

Listing courtesy of Century 21 First Realty, Inc..

$344,900

3 Beds ⋅ 2 Baths ⋅ 7115138 MLS

Showcasing like a newly completed construction home. The Walkout Redwood model features open-concept home living. This home features a high vaulted ceiling living-room and a large kitchen. A spacious walk-in pantry offers ample storage. The kitchen boasts rustic maple cabinetry, stainless steel appliances, a newer water softener, a washer and dryer, newer seamless gutters, and a sump pump. Three main-level bedrooms include a private master suite with a large walk-in closet and a full master bathroom. A craftsman-style exterior and three-car garage with remote, seamless gutters throughout the house. With peace of mind, a 10 Year warranty of the home structure by Progressive Builders Inc. is transferable to the next homeowner. A beautiful and large backyard with sprinklers installed. Don't miss this beauty.

303 29th Avenue SE, Saint Cloud

Listing courtesy of Eagan Realty LLC.

$274,900

2 Beds ⋅ 1 Baths ⋅ 7107759 MLS

Welcome home to this stunning townhome built by local builder Heartland Homes, located in the highly sought after Water’s Edge neighborhood of St Cloud. Step inside to a spacious foyer with a coat closet! Upstairs enjoy a vaulted great room that flows seamlessly into the kitchen and informal vaulted dining room. The kitchen offers ample cabinet & laminate counter space, a center island, rustic maple dark walnut cabinetry, black hardware, and modern appliances including a range, refrigerator, microwave and dishwasher. Upstairs, you’ll find 2 nicely sized bedrooms and a full bath featuring a dual sink vanity with cultured marble countertops. Throughout the home, you’ll find Sherwin Williams Drift of Mist paint, White Dove millwork, and quality finishes that give a timeless, modern look. Additional highlights include a concrete driveway and the peace of mind that comes with brand new construction! Room for expansion by finishing the lower level! Enjoy the neighborhood’s miles of walking trails, and the community park! Located less than 3 miles from Territory Golf Course! Quick access to downtown St. Cloud! Sauk Rapids school district!

1104 45th Avenue NE, Saint Cloud

Listing courtesy of eXp Realty.

$289,900

3 Beds ⋅ 2 Baths ⋅ 7107750 MLS

Welcome home to this stunning end-unit townhome built by local builder Heartland Homes, located in the highly sought after Water’s Edge neighborhood of St Cloud. This thoughtfully designed home features three sides of windows, a deck, and 3 beds on one level! Step inside to a spacious foyer with an entry closet, leading upstairs to a vaulted great room that flows seamlessly into the kitchen and informal vaulted dining room. The kitchen offers ample cabinet & counter space, a center island, Sherwin Williams Felted Wool cabinets with black hardware, and modern appliances including a range, refrigerator, microwave and dishwasher. Upstairs, you’ll find three bedrooms on one level, including a spacious primary suite with a private full bath featuring a dual sink vanity with cultured marble countertops. Another full bath serves the additional bedrooms. Throughout the home, you’ll find Sherwin Williams Drift of Mist paint, White Dove millwork, and quality finishes that give a timeless, modern look. Additional highlights include a concrete driveway and the peace of mind that comes with brand new construction! Room for expansion by finishing the lower level! Enjoy the neighborhood’s miles of walking trails, and the community park! Located less than 3 miles from Territory Golf Course! Quick access to downtown St. Cloud! Sauk Rapids school district!

1102 45th Avenue NE, Saint Cloud

Listing courtesy of eXp Realty.

$274,900

2 Beds ⋅ 1 Baths ⋅ 7107743 MLS

Welcome home to this stunning townhome built by local builder Heartland Homes, located in the highly sought after Water’s Edge neighborhood of St Cloud. SStep inside to a spacious foyer with a coat closet! Upstairs enjoy a vaulted great room that flows seamlessly into the kitchen and informal vaulted dining room. The kitchen offers ample cabinet & laminate counter space, a center island, Sherwin Williams Felted Wool cabinets with black hardware, and appliances including a range, refrigerator, microwave and dishwasher. Upstairs, you’ll find 2 nicely sized bedrooms and a full bath featuring a dual sink vanity with cultured marble countertops. Throughout the home, you’ll find Sherwin Williams Drift of Mist paint, White Dove millwork, and quality finishes that give a timeless, modern look. Additional highlights include a concrete driveway and the peace of mind that comes with brand new construction! Enjoy the neighborhood’s miles of walking trails, and the community park! Located less than 3 miles from Territory Golf Course! Quick access to downtown St. Cloud! Sauk Rapids school district!

1106 45th Avenue NE, Saint Cloud

Listing courtesy of eXp Realty.

$289,900

3 Beds ⋅ 2 Baths ⋅ 7107715 MLS

1108 45th Avenue NE, Saint Cloud

Listing courtesy of eXp Realty.

$319,900

3 Beds ⋅ 2 Baths ⋅ 7096168 MLS

Welcome to 2021 17th St. S in St. Cloud, Minnesota! Situated just south of the city, this home is tucked away in a highly desirable, secluded neighborhood surrounded by parks and recreational opportunities. Step inside and you'll immediately notice the vaulted ceilings that span the living room and kitchen, creating an inviting atmosphere. This well-designed 4-level home utilizes the space perfectly, giving you bedrooms and bathrooms on the upper and lower levels, while also including a family room on the lower level with a gas fireplace. Convenience is built into the layout with a laundry and mudroom located just off the entryway, and the attached garage includes an electric vehicle charging station, a great perk for eco-conscious buyers. From the dining area, a sliding glass door leads out to a large wooden deck overlooking the beautiful backyard, making it easy to enjoy outdoor gatherings or peaceful evenings at home. Additional notes about the property: it has also seen several important updates, including a new refrigerator in 2021, a new range in 2023, a new washer and dryer in 2025, and a new roof in 2024, offering added value and peace of mind for years to come. On the outside, the home offers an in-ground sprinkler system and a gas hookup for a grill.

2021 17th Street S, Saint Cloud

Listing courtesy of Weichert REALTORS Tower Properties.

$309,900

4 Beds ⋅ 2 Baths ⋅ 7095719 MLS

Wonderful 4 bed 2 bath home with Westwood area. Updated kitchen with custom raised oak cabinets, nice appliances and countertops. 3 season porch facing nice back yard. Steel siding, gas fire place on lower level, private patio, storage shed, and large corner lot.

801 Maywood Drive, Saint Cloud

Listing courtesy of Century 21 First Realty, Inc..

$339,900

3 Beds ⋅ 3 Baths ⋅ 7075128 MLS

4634 9th Street NE, Saint Cloud

Listing courtesy of Legacy Home Group MN LLC.

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