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

$559,500

4 Beds ⋅ 2 Baths ⋅ 7143274 MLS

Beautiful Country Home on 13.72 acres!! Gorgeous woods and a private setting with wildlife and privacy! Hard to find property...so close to the City! Huge 30x45 shed with concrete floor and electric! Store all your extra toys here!!! 3 spacious upstairs bedrooms and 6 panel doors! Nice bright kitchen with lots of cabinets! Enjoy a deck and a patio for gatherings! 3rd level is a walk out and offers another bedroom, bath and laundry area! Septic was done in 2023. 2 wells....1 is for watering/sprinkling system. 4th level is great for storage and future expansion. Pride of ownership certainly shows here! Come and see how much your $$ can buy! Welcome Home!

25461 County Road 74, Saint Cloud

Listing courtesy of RE/MAX Results.

$210,000

3 Beds ⋅ 2 Baths ⋅ 7142627 MLS

4-level with maintenance free siding. Quiet street and nicely treed lot. 3 bedrooms plus den and 2 baths. Great 4th level has room for future living space. Large double garage. Great location is close to golf course and Beaver Island Walking Trail along the Mississippi River

831 Cumming Lane, Saint Cloud

Listing courtesy of Coldwell Banker Realty.

$345,000

3 Beds ⋅ 3 Baths ⋅ 7142518 MLS

With multiple living areas, a half-acre lot, and an impressive 1,208 sq. ft. attached garage, this four-level split gives you space where it matters most. Set on a cul-de-sac, the home welcomes you with a bright, open main level featuring vaulted ceilings and fresh paint throughout. The layout offers a main-floor living room, a comfortable lower-level family room, and an additional rec room in the basement, giving you flexibility for everyday living, entertaining, hobbies, or a home office. Each bedroom includes its own walk-in closet, while the primary bedroom features a private ensuite bath. Outside, a large concrete patio extends your living space into the fully fenced backyard, offering added privacy and plenty of space to enjoy the half-acre setting. Move-in ready and thoughtfully laid out, this home delivers the space, storage, and versatility you've been looking for.

2608 Edgewood Circle, Saint Cloud

Listing courtesy of Kris Lindahl Real Estate.

$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.

$335,000

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.

$459,900

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.

$460,000

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.

$669,900

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.

$995,000

5 Beds ⋅ 5 Baths ⋅ 7025855 MLS

Experience an unparalleled lifestyle in this masterfully crafted home, boasting over 7,000 finished square feet of versatile living space. The home sits on a remarkable lot that provides sweeping north and west views down the Sauk River, and it includes additional land across the street, plus a perpetual easement for river access through the private wooded property behind the home. This peaceful setting feels like a private sanctuary while remaining conveniently located near Whitney Park, featuring trails, soccer and softball fields, a dog park, and the nearby YMCA and aquatic center. The main floor showcases a massive open great room with an intricately vaulted ceiling, a kitchen loaded with granite countertops, dual wall ovens, and stunning river views, plus formal and informal dining spaces ideal for large gatherings. A gas fireplace anchors the living room, and a four-season room captures serene river views, while a spacious mudroom and convenient main-floor laundry add everyday functionality. Upstairs, three bedrooms include an expansive primary suite with a gas fireplace, a private sitting room overlooking the river, and a bath with dual vanities, jetted tub, and tile shower; the additional bedrooms share a Jack-and-Jill bath. The third level offers two large bedrooms, an office, and a family room with a third fireplace and wet bar, while the basement provides a large rec room and a dedicated hot tub room. Built to exceptional standards, the home features 500-amp service, spray foam insulation, extensive stone and brickwork, CertainTeed Presidential shingles, and in-floor heat in the lower levels. Complete with over 2,000 sq ft of heated and finished garage space for all your vehicles and hobbies, and a neighborhood pool for summer fun, this home is a rare find that combines luxury with active, convenient living.

2177 Mill Pond Drive, Saint Cloud

Listing courtesy of Agency North Real Estate, Inc.

$344,900

4 Beds ⋅ 3 Baths ⋅ 6819124 MLS

Sauk Rapids School District. This home is situated on .414 acres that backs up to woods. The foyer has a large closet and custom bench with coat hooks. The flooring throughout the main level is vinyl plank and is easy to keep clean. Walk up 3 steps and into the dining area and kitchen with tiled floors. Large center island offers additional seating for larger gatherings. Step out onto the maintenance free composite deck and enjoy the birds or the occasional deer. turkey, or pheasants that frequently cross. The upper level has 2 bedrooms with one being the primary bedroom. A king-size bed still provides plenty of additional room for options of seating. There is a large closet with a ensuite full bathroom. The laundry room is also up on the top level. 2nd bedroom and an additional full bathroom completes the upper-level. Enter into the 3rd level which offers a bedroom, and full bathroom. This level includes a walk-out entry to a relaxing concrete patio. The basement was recently finished in 2023 and has a media room, bedroom, and office/storage. The three stall garage is heated and is 37x24 and can fit most big vehicles.

4732 4th Street Loop NE, Saint Cloud

Listing courtesy of Kerber Castle Realty Group.

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