Saint Cloud Homes with Four or More Level Split Stories

Welcome to Saint Cloud, Minnesota, a vibrant city nestled in the heart of Benton County. Known for its rich history, stunning natural beauty, and a strong sense of community, Saint Cloud offers a unique blend of urban amenities and small-town charm. With its picturesque parks, bustling downtown, and a variety of cultural attractions, residents enjoy a high quality of life in this thriving city.

One of the most appealing aspects of Saint Cloud is its diverse array of housing options, particularly the homes featuring four or more level split stories. These architectural gems provide ample space for families and individuals alike, allowing for a flexible living arrangement that can adapt to your lifestyle. With multiple levels, these homes often boast spacious living areas, cozy nooks, and plenty of room for entertaining guests or enjoying quiet family time.

Imagine waking up in a beautifully designed split-level home, where each level offers its own unique atmosphere. The lower levels can serve as a perfect retreat for a home office or a playroom for the kids, while the upper levels provide serene bedrooms with stunning views of the surrounding landscape.

Saint Cloud's strong sense of community is further enhanced by its excellent schools, diverse dining options, and numerous recreational activities, making it an ideal place to call home. Whether you’re exploring the scenic trails along the Mississippi River or enjoying a local festival, you’ll find that life in Saint Cloud is both fulfilling and exciting. Discover your dream split-level home in this charming city today!

Newest Saint Cloud Homes with Four or More Level Split Stories

$275,000

4 Beds ⋅ 2 Baths ⋅ 7119357 MLS

Welcome home to this spacious 4-bedroom, 2-bath split-level in a desirable St. Cloud neighborhood! This home offers nearly 2,000 finished square feet with a layout that's perfect for everyday living. Enjoy a bright main living area, generously sized bedrooms, central air, and an attached 2-car garage. Situated on a large lot with easy access to schools, parks, shopping, and dining, this home combines comfort, convenience, and value. Don't miss the opportunity to make this wonderful property your next home—schedule your showing today!

1204 Whitney Drive, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$439,900

4 Beds ⋅ 4 Baths ⋅ 7113932 MLS

Welcome to this beautifully updated 4-level split, offering spacious living, thoughtful upgrades, and an incredible backyard retreat! Step inside to find all-new flooring, including carpet and luxury vinyl plank, along with dimmable lighting to create the perfect ambiance. The spacious kitchen is designed for those who love to cook and entertain, featuring a double oven and gas cooktop with plenty of room to gather. With 3 bedrooms on the upper level, an additional bedroom on the lower level, and 4 bathrooms, this home offers flexibility for a variety of living needs. The lower level features a cozy fireplace and family room for relaxing, while the basement has a large recreational room for entertaining. You'll appreciate the abundance of storage throughout the home. The backyard is a true standout! Enjoy your own private oasis featuring a radiant-heated inground pool up to 6 feet deep, expansive cement patio, outdoor carpet for ease around pool area, 3-season screened porch, and 6-foot sandstone vinyl privacy fence—perfect for summer & fall entertaining. Additional highlights include new central air, updated gutters, and a large 3-stall garage with direct access to the basement. With major updates already completed and exceptional indoor and outdoor spaces, this home is move-in ready!

1920 Linda Lane, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$340,000

4 Beds ⋅ 3 Baths ⋅ 7118397 MLS

Welcome home to this spacious and inviting four-level residence, perfectly situated on a generously sized city lot that offers plenty of room to relax, entertain, and enjoy outdoor living. Featuring four bedrooms and three full bathrooms, this thoughtfully designed home provides the ideal blend of comfort, functionality, and style. The spacious primary suite serves as a private retreat, complete with its own full bath for added comfort and convenience. Beautiful hardwood floors flow throughout much of the home, adding warmth, character, and timeless appeal. Multiple living spaces across four levels offer exceptional flexibility for everyday living, entertaining guests, working from home, or creating a recreation area. Outside, the expansive city lot provides endless possibilities for gardening, play, outdoor gatherings, or future enhancements. With its generous layout, desirable features, and abundant living space, this home is ready to accommodate a variety of lifestyles. Don't miss the opportunity to make this exceptional property your next home!

6022 Prairie Rose Drive, Saint Cloud

Listing courtesy of Premier Real Estate Services.

$319,900

5 Beds ⋅ 2 Baths ⋅ 7114372 MLS

Nestled on a quiet cul-de-sac in a highly desirable neighborhood, this beautifully maintained four-level home offers the perfect balance of comfort, space, and tranquility. Thoughtfully updated and move-in ready, improvements include renovated main level for open concepts, freshly painted interior and exterior, new luxury vinyl plank flooring throughout the main level, and updated carpeting in the lower-level bedrooms and hallway. The main level is designed for both everyday living and effortless entertaining, featuring an open-concept living room, dining area, and kitchen. The spacious kitchen is complete with a large center island, pantry, and abundant workspace. Just beyond, the light-filled four-season sunroom invites you to unwind with vaulted ceilings, a cozy gas fireplace, and direct access to the private backyard patio. Upstairs, you'll find three comfortable bedrooms, including a spacious primary suite, along with a full bathroom. The lower levels provide exceptional flexibility with two additional bedrooms—one of which could easily serve as a family room, home office, fitness space, or playroom—plus a convenient three-quarter bathroom. The basement offers a generous storage room and workshop, utility area, and convenient access to the attached garage complete the home's functional layout. Step outside to your own private retreat. The beautifully landscaped private backyard features a 32' x 24' peaceful patio, retaining wall, garden area, mature trees and professional landscaping that create a serene setting for morning coffee, evening gatherings, or simply enjoying the outdoors. The location is equally impressive. Just minutes from Munsinger and Clemens Gardens, Riverside Park, and the Mississippi River, you'll enjoy year-round recreation and natural beauty. Take in scenic river and dam views, stroll through vibrant botanical gardens, cool off at the splash pad, play a round of disc golf, or embrace Minnesota's seasons with winter sledding and skiing and endless opportunities to explore. This exceptional home offers not only flexible living spaces and thoughtful updates, but also a lifestyle surrounded by some of the area's most cherished parks and attractions.

944 Longview Drive, Saint Cloud

Listing courtesy of RE/MAX Results.

$550,000

5 Beds ⋅ 5 Baths ⋅ 7113377 MLS

Some homes are simply houses. This one is a lifestyle. Perfectly positioned on .66 acres across three combined parcels and overlooking the breathtaking Clemens Gardens, this is a one-of-a-kind opportunity that rarely comes to the Saint Cloud market. Featuring 5 bedrooms, 5 bathrooms, and four expansive levels, this extraordinary residence offers space, versatility, and luxury at every turn. Enjoy the convenience of a private elevator, a 6-stall heated garage, and a fully equipped lower-level mother-in-law suite with its own private entrance—perfect for multigenerational living, guests, or an income-producing opportunity. Need even more space? A dedicated workout room with its own private entrance offers the potential to become a 6th bedroom, home office, or private guest suite. The stunning four-season gazebo seamlessly blends indoor and outdoor living and even presents the opportunity to expand your finished living space. Outside, your own private retreat awaits with mature fruit trees and berry bushes, creating a backyard that's as beautiful as it is functional. This home has been thoughtfully updated for peace of mind and modern living, featuring a new roof, new water heaters, new air conditioning, radiant heat, full ADA accessibility, an EV charging station, and beautifully renovated lower-level living completed in 2022. Best of all, there's no HOA. Properties like this don't come along often. If you've been searching for a home that offers exceptional craftsmanship, unmatched flexibility, and a truly unique lifestyle—this is the one you've been waiting for.

1300 Kilian Boulevard SE, Saint Cloud

Listing courtesy of Bridge Realty, LLC.

$384,900

4 Beds ⋅ 3 Baths ⋅ 7111539 MLS

Quality built, one-owner, 4-level home in the popular and convenient Goettens Addition in South St. Cloud. The main level features an impressive kitchen with stainless steel appliances, laminate flooring in the kitchen & dining room, and a cozy main level living room. The upper level highlights include 3 bedrooms, a primary suite with a 3/4 bath and WIC, plus an additional full bath. Down one level you'll find a huge family room with a gas fireplace & bright lookout windows. The 4th level offers a 4th bedroom, a great workshop & a flex-room that could be an office, a sitting room or even a 2nd family room. And don't miss the redwood siding, the lower level entrance to the 3 stall garage that is insulated & rocked, the 14x16 deck off the dining room & the in-ground sprinkler system resulting in an absolutely gorgeous yard!! Sale contingent upon Sellers finding suitable housing.

2105 Prairie Hill Road, Saint Cloud

Listing courtesy of Premier Real Estate Services.

$479,900

5 Beds ⋅ 2 Baths ⋅ 7111825 MLS

Freshly updated w/new carpet & vinyl flooring (2026), this unique multi-level home sits on nearly 4 acres just off Cooper Ave, perfectly blending city convenience with peaceful country living. Step inside to vaulted ceilings and rich hardwood floors. The main level features an open concept LR, Kit, & DR area that flows seamlessly out to a maintenance free deck. Upstairs, the primary BR incl a walk-through BA, alongside 2 add'l BR's. The LL offers a cozy sitting area w/sliding door access to the patio, 2 more BR's (no built in closets), a 3/4 BA, & a dedicated laundry rm w/ a built-in folding counter. Just a 1/2 flight of stairs down, you'll find the home's hidden gem: a fam room complete w/a built-in bar that's made for entertaining. Outside, the property incl a spacious 3-stall gar w/an unfinished bonus room above, offering excellent potential for a home office, gym, or studio. Don't miss this rare opp to have nature right at your back door.

4334 Cooper Avenue S, Saint Cloud

Listing courtesy of Bridge Realty, LLC.

$475,000

6 Beds ⋅ 3 Baths ⋅ 7110244 MLS

Rare find: a 52'x32' indoor heated gym with 18.5' ceilings and full sport court steals the show. Updated 6BR/3BA home on .46 acres in a convenient location. The Kitchen features a large center island, updated stainless steel appliances, built-in storage & granite counters. Impressive, vaulted A-frame living room with in-floor heat, ceiling fan & abundant natural light. Fenced backyard, deck, patio & firepit. City water & sewer; outdoor-only well for irrigation, 2-stall attached garage. Exceptional hosting property — schedule your showing today.

5708 Nightingale Court, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$365,000

3 Beds ⋅ 2 Baths ⋅ 7105227 MLS

Welcome to this beautifully maintained four-level home, lovingly cared for! From the moment you step inside, you'll feel the pride of ownership throughout-bright, inviting living spaces, thoughtfully designed levels for comfortable living, and a layout that offers both openness and privacy. This home shows beautiful and is ready for its next chapter! Home is located in a sought out area on the west side of St Cloud. Four level home is on .42 Acre lot with mature trees, fenced in backyard and close to a private park. 2024 new roof and steel siding, private well for watering your lush lawn. Kitchen offers oak cabinets, lazy susan, center island w/pull out drawers, updated appliances and lots of storage. Good size dinning room w/patio door leading to 18x16 patio. Nicely landscaped flowers and a metal chain-link fence. 2 nice size bedrooms and full bathroom on the upper level. Lower level has good size family room, laundry room with sink and access to the garage. 3rd bedroom w/egress window and walk in closet. Over 2000 sq ft finished, 3 bedrooms, 2 bath, 6 panel doors, LVP flooring, 2024 new roof and metal siding, CA, 200 Amp, insulated 3rd stall, sprinklers, walk in closets. What A Great Place To Call Home!

1542 Mulberry Road, Saint Cloud

Listing courtesy of RE/MAX Results.

$699,900

4 Beds ⋅ 3 Baths ⋅ 7079015 MLS

4 BR 3 Bath 4 Level Custom Built Home on 16.6 Acre Country Lot (approx. 12 acres wooded) with Heated Shop & Shed. Spacious home with over 3200 square feet of living space. Steel siding & vinyl windows. New shingles and rain gutters in 2022. New on demand water heater 2024. Oak cabinets, trim and raised panel doors. Built ins including oak dresser, bookshelf & desk. Wrap around deck. 26' x 26' heated garage with (2) 10' x 8' carriage house design doors. 200 amp underground power from Co. Rd. 2. Underground sprinkler system with 6 zones. Large, paved area to house & shop. 44' x 90' steel building. 44' x 44' area insulated, sheeted and heated with gas radiant heater, water hydrant, work bench, shelving and (2) 12' x 12' overhead doors. 44' x 46' cold storage with 16' x 12' & 24' x 12' overhead doors. Both open to a total of 40' x 12' opening. 2 drilled wells approximately 42' & 61'. Peaceful setting with wooded backdrop, southern exposure with panoramic view overlooking the prairie.

25705 County Road 2, Saint Cloud

Listing courtesy of JP Meagher Realty.

$392,500

3 Beds ⋅ 3 Baths ⋅ 7046975 MLS

Want a frisbee golf course, pickleball court or sledding hill all within walking distance of your home? If so, this is the house for you. Master bedroom has an ensuite bathroom, large walk-in closet as well as a shared fireplace with a sauna tub room. There are two other bedrooms located on the same level. There is ample storage throughout bedrooms and bathrooms. Main level floorplan offers large entertaining space with an abundance of natural light and another fireplace. Makes a great sun or game room. Lower level offers another fire place and large living room area. The basement has a large office space. There is a large storage area that can be used for storage and would make a great cinema room. Lots of opportunities for a creative person. There have been many upgrades done throughout out house both inside from some new flooring, paint, plumbing fixtures, range & range hood as well as dishwasher. Outside there were some trees removed and the land leveled. A large chain link fence was installed around entire backyard. There are 2 decks and patio area, as well as fire pit for entertaining. Property has also been professionally surveyed. Sellers are looking to down size. If there is anything buyer is interested in, from furniture, sports collection or games in game room, please make an offer.

1515 Calvary Hill Lane, Saint Cloud

Listing courtesy of RE/MAX Results.

$359,900

4 Beds ⋅ 3 Baths ⋅ 7042237 MLS

A beautiful covered front porch warmly welcomes you into this bright and inviting home. Step inside to an open-concept main floor filled with natural light, highlighted by vaulted ceilings and a stunning sunken living room featuring a large picture window. The main level flows seamlessly from the living room into the dining area, which offers direct access to a cozy and sun-filled sunroom. The kitchen is both functional and welcoming, complete with an abundance of cabinetry, a window over the sink, full stainless steel appliances, and a large peninsula with breakfast bar seating—perfect for casual meals or entertaining. Just off the dining area, the sunroom provides a warm and relaxing retreat, surrounded by windows and filled with natural light, with direct access to the patio—ideal for enjoying indoor-outdoor living. The home offers a thoughtful layout with three generously sized bedrooms on the upper level, along with a full bathroom featuring a convenient walk-through design connected to the primary bedroom. The lower level features a spacious and bright family room with ample windows, a ¾ bathroom, and an additional fourth bedroom—perfect for guests or extended living space. You’ll also find a versatile game room/flex space, along with a utility room and plenty of storage. Additional highlights include a main floor half bath, steel siding for durability, and an in-ground sprinkler system to keep the yard looking its best. Outside, the property continues to impress with an attached two-stall garage and an impressive detached 28x28 shop, offering abundant space for vehicles, hobbies, or storage. The patio and outdoor areas provide the perfect setting for relaxing or entertaining, all while enjoying the natural light and open feel this home has to offer.

2407 Tranquility Drive, Saint Cloud

Listing courtesy of RE/MAX Results.

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