Stearns County Homes with Three Level Split Stories

Welcome to Stearns County, Minnesota, a hidden gem that beautifully blends natural beauty with vibrant community living. Nestled in the heart of central Minnesota, Stearns County is known for its picturesque landscapes, rich history, and a warm, welcoming atmosphere. With a diverse range of recreational activities, from hiking and fishing in the stunning lakes and parks to exploring charming local shops and eateries, there’s something for everyone in this delightful county.

One of the most appealing home styles found in Stearns County is the three-level split story. These homes are designed to maximize space and functionality, making them perfect for families or anyone looking for a little extra room to breathe. The three-level split story features distinct living areas, providing a seamless flow between the kitchen, dining, and living spaces while maintaining privacy in the sleeping quarters.

Imagine stepping into a welcoming foyer that leads you to a spacious living room, perfect for family gatherings or entertaining friends. The well-appointed kitchen often boasts modern appliances and ample counter space, ideal for culinary adventures. The upper level typically features cozy bedrooms, while the lower level can serve as a versatile space—think home office, playroom, or an inviting entertainment area.

Living in a three-level split story in Stearns County means enjoying the tranquility of suburban life while being just a short drive from the bustling cities of St. Cloud and beyond. With a strong sense of community, excellent schools, and a plethora of outdoor activities, it’s no wonder that Stearns County is an attractive place to call home. Discover the charm and comfort of three-level split story homes in this beautiful county today!

Newest Stearns County Homes with Three Level Split Stories

$299,900

3 Beds ⋅ 3 Baths ⋅ 7166295 MLS

Situated on a quiet cul-de-sac in a highly desirable St. Cloud neighborhood, this beautifully maintained 3-bedroom, 3-bathroom home combines comfort, style, and total functionality. Major updates—including a new roof (2021) and sleek aluminum siding (2022)—make it completely move-in ready. Inside, the light-filled main level features a spacious layout, while the upper level hosts two bedrooms, including a private primary suite with a walk-in closet and full bath. The lower-level third bedroom offers excellent privacy for guests or a dedicated home office. At the center of the home is a modern kitchen equipped with stainless steel appliances and ample cabinetry. A convenient lower-level laundry room and a heated 3-stall garage provide extraordinary storage and workspace year-round. Outside, the corner lot delivers excellent curb appeal and expanded yard space in a peaceful neighborhood setting.

5520 Hawk Court, Saint Cloud

Listing courtesy of Coldwell Banker Realty.

$299,900

4 Beds ⋅ 2 Baths ⋅ 7167177 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..

$329,900

3 Beds ⋅ 2 Baths ⋅ 7165215 MLS

Beautiful 3-bedroom, 2-bath home situated on an oversized lot on the south side of St. Cloud. Inside, you’ll find vaulted ceilings, stylish finishes, and a spacious layout that offers both comfort and functionality. A patio and large deck just off the main level provides the perfect spot to relax or entertain, while the mature trees and generous yard create a welcoming outdoor setting. Recent updates include a new roof and garage doors in 2023, along with a new furnace and A/C in 2025. Tons of storage inside with walk-in closets. The oversized 3-stall garage offers plenty of room for vehicles, storage, and hobbies. With its inviting interior, modern touches, and desirable lot, this home is one you won’t want to miss!

1814 37th Street S, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$308,000

3 Beds ⋅ 2 Baths ⋅ 7165979 MLS

Welcome to 6429 Savanna Ct in St. Cloud, MN! This beautifully maintained home offers a bright, inviting layout with numerous recent updates, including newer flooring, fresh paint, and updated lighting throughout. The spacious living room provides plenty of room to relax or entertain, while the open kitchen and dining area offer great functionality with ample cabinet and counter space. Enjoy additional living space in the finished lower level, complete with a cozy fireplace, perfect for movie nights or gatherings. Step outside to a spacious backyard featuring a privacy fence, storage sheds, and a deck ideal for outdoor entertaining. Complete with an attached two-car garage and a convenient location near shopping, restaurants, parks, and everyday amenities. This move-in-ready home has so much to offer. Schedule your showing today!

6429 Savanna Court, Saint Cloud

Listing courtesy of RE/MAX Results.

$399,000

4 Beds ⋅ 3 Baths ⋅ 7163629 MLS

Surrounded by nature and ideally located near Rice Lake, this property offers a wonderful blend of peaceful surroundings and convenient access to Paynesville, Richmond, Cold Spring, and St. Cloud. This four-bedroom, three-bathroom, four-level home has plenty to offer! The sun-filled kitchen features granite countertops and stainless steel appliances and opens to the raised living room. A hallway leads to two additional bedrooms and a 3/4 bath, as well as an expansive primary suite featuring a private 3/4 bath with a tiled shower and glass surround, double vanity with manufactured stone countertop, two walk-in closets, and a deck overlooking the backyard. The lower level offers another bedroom, a full bathroom, and laundry. An attached insulated two-stall garage and a detached insulated two-stall garage provide ample storage and workspace options. With spacious living areas, a desirable location, and abundant garage space, this property is one you won't want to miss! Call today to schedule your private tour!

16834 254th Avenue, Paynesville

Listing courtesy of Your Next Place Real Estate.

$289,900

3 Beds ⋅ 2 Baths ⋅ 7159264 MLS

Welcome to 6724 Black Spruce Street, a well-kept tri-level home in the sought-after Westwood Parkway neighborhood! It has a spacious kitchen with newer trendy appliances, vaulted ceilings, 3 bedrooms and 2 full baths, with two bedrooms and a full bath on the upper level and a third bedroom, second full bath, and family room on the finished lower level. Step out onto the deck and enjoy the quiet: the backyard backs up to a wetland, so you get privacy, wildlife views, and no neighbors directly behind you. Built in 2006 and in good condition throughout, the home also has a newer central AC unit (2025), water heater, flooring, paint, and in-ground sprinkler system to keep the lawn green, and plenty of storage in the crawl space. A 2-stall garage finishes it off. It's close to shopping, dining, and parks, with easy access to Hwy 15 and I-94. Schedule your showing today!

6724 Black Spruce Street, Saint Cloud

Listing courtesy of Central MN Realty LLC.

$784,900

4 Beds ⋅ 3 Baths ⋅ 7158230 MLS

Sauk Lake living just minutes from town and featuring views of Greystone Golf Club and sunrises over the lake. This 4-bedroom, 3-bath walkout home sits on a gently sloping lot with level lakeshore, a sand beach, and a paver patio with a fire pit at the water’s edge. The dock and boat lift stay, so you can be on the water the day you move in. On the lake level, the kitchen, dining area, and family room share a three-sided fireplace and a wall of windows facing the water. The kitchen stands out with teal cabinetry, stainless appliances, a gas range, and a lit tray ceiling. There are two bedrooms on this level and a remodeled bath features a cozy electric fireplace, walk-in shower with a bench and body sprays. The lake level has direct access to the garage and there is a partial basement where the finished laundry room is complete with built in storage and sink. There is also a workshop space with built in storage and access to the lakeside. (previously a boathouse) A covered paver patio sits just outside for shaded afternoons by the lake. Upstairs, a vaulted great room with skylights, a brick gas fireplace, and a wet bar opens to the lakeside deck. The primary suite has its own fireplace and a remodeled bath with a jetted tub and tiled walk-in shower. The three-stall heated garage is finished with an epoxy floor and built-in cabinets. The third stall has a second overhead door for easy access to the backyard/ lakeside. Outside, the sprinkler system and landscaped waterfall are both fed from the lake, keeping the lawn and gardens green at minimal cost. A playhouse, fenced raised-bed garden, metal roof, solar panels and mature trees complete the property.

44538 Saukview Drive, Sauk Centre

Listing courtesy of Central MN Realty LLC.

$379,900

3 Beds ⋅ 3 Baths ⋅ 7153008 MLS

Welcome to a home where meticulous maintenance meets thoughtful design. This impressive 3-level split sits on a generous 0.35-acre lot, offering a move-in-ready aesthetic and custom features that are evident the moment you step inside. The open floor plan creates a seamless flow through the main living areas, anchored by a kitchen that is as functional as it is beautiful. You’ll love the granite countertops, the high-end 5-burner gas range, and a pantry equipped with custom pull-out drawers that make organization a breeze. The layout is designed for comfort and versatility, featuring three bedrooms and two and a half bathrooms. The primary bedroom serves as a true retreat, offering generous proportions and a large walk-in closet that provides ample space for any wardrobe. A dedicated office offers the perfect workspace, though it could easily be converted into a fourth bedroom by removing the built-ins and adding a closet. For relaxation, head to the lower level where a cozy fireplace serves as the centerpiece of the family room, creating an inviting atmosphere for chilly evenings. One of the standout custom elements of this home is the sheer amount of storage; from clever cabinetry to abundant closet space, there truly is a place for everything. The transition to outdoor living is effortless via the maintenance-free deck, which serves as a fantastic space for enjoying the fresh air. The three-stall garage is a dream—fully insulated, heated, and ready for year-round use—and is perfectly complemented by a dedicated storage shed for lawn equipment and extra tools. Located in a fantastic Sartell area close to schools, this property is perfectly situated for those who love the outdoors, with lush woods and scenic walking paths just across the road. Every inch of this property has been cared for with pride, offering a polished, custom living experience in a location that puts everything you need within easy reach.

424 7th Avenue N, Sartell

Listing courtesy of Coldwell Banker Realty.

$309,900

3 Beds ⋅ 2 Baths ⋅ 7146947 MLS

Set at the end of a cul-de-sac on a generous lot, this 3-bedroom, 2-bath home pairs an open, light-filled interior with meaningful recent updates. Vaulted ceilings enhance the main living area, while the kitchen connects seamlessly to the dining space and features stainless steel appliances, a breakfast bar, and a refrigerator, sink, and dishwasher updated in 2023. From the dining area, step onto the spacious deck for added room to relax or entertain outdoors. Upstairs, both bedrooms include walk-in closets, and the updated bathroom adds a refreshed feel. Exterior improvements include new steel siding in 2023 and triple-pane windows throughout the entire home in 2025. An attached, insulated 3-car garage adds excellent space for vehicles, storage, and more.

704 Watab Court, Sartell

Listing courtesy of Kris Lindahl Real Estate.

$349,900

3 Beds ⋅ 3 Baths ⋅ 7147120 MLS

Welcome to 200 Victory Ave in Sartell! This well-maintained 3-bedroom, 3-bath tri-level home offers a great mix of updates and functional living space, plus a great outdoor setup. It's freshly painted throughout and features Andersen windows and an in-ground sprinkler system. The main level includes a cozy fireplace and a convenient half bath, while the lower level offers extra living space that works great as a family room, rec area, or home office. Outside, you'll find a large pie-shaped cul-de-sac lot with plenty of room to enjoy the outdoors. The finished off insulated 3-stall garage gives you excellent space for vehicles, storage, hobbies, and Minnesota winters. Located in Sartell within the Sartell-St. Stephen School District, this home is close to schools, parks, shopping, restaurants, and everything Sartell has to offer. Schedule a time to take a look!

200 Victory Avenue, Sartell

Listing courtesy of Central MN Realty LLC.

$579,900

3 Beds ⋅ 3 Baths ⋅ 7148914 MLS

Welcome to this well-maintained newer-built, three-level home situated on a private 4.8 acre lot with an incredible amount of space, storage, and versatility! Recently renovated and thoughfully designed, this property offers a spacious layout with room for everyday living, entertaining, hobbies, and all the toys. The home features a large kitchen with plenty of workspace and a convenient to provide additional living space. Enjoy the comfort of in-floor heat throughout the home, along with a welcoming front patio area that's perfect for relaxing, grilling and enjoying the peaceful surroundings. Adding even more value, a new 3-car detached garage was added to the property in 2026, providing excellent additional parking, storage, or warkshopt space. The real showstopper for hobbyists and outdoor enthusiasts is the 30' x 48' fully insulated and heated pole shed, complete with its own dedicated propane tank. With loads of room for vehicles, equipment, recreational toys, tools, and projects, you'll have the storage space you've been looking for. Set on a private acreage with plenty of room to enjoy the outdoors, this property offers the ideal combination of comfortable living space, extensive storage, garages, and versatile outbuildings. A unique opportunity for anyone looking for acreage with room to live, work, and play!

27441 160th Street, Paynesville

Listing courtesy of Edina Realty, Inc..

$269,900

2 Beds ⋅ 1 Baths ⋅ 7145477 MLS

Welcome to this beautifully maintained, low-maintenance home situated on a generous corner lot! Step inside to an inviting open layout where the heart of the home features a spacious kitchen complete with stunning oak cabinets, stainless steel appliances, an expansive center island, and an abundance of cupboard and counter space. The adjacent large dining room is perfect for hosting meals. Both the kitchen and dining areas feature artistic tile flooring. The elevated living room feels bright and airy, flooded with beautiful natural light. Both bedrooms are spacious, providing plenty of personal space. Move-in ready convenience is guaranteed with the inclusion of a washer and dryer and new paint throughout the interior. Designed for modern efficiency and peace of mind, the property features low-maintenance vinyl siding, a high-efficiency furnace, and an air exchanger to keep utility costs low year-round. Build equity with the lower level that is ready for finishing a future family room, bedroom and bathroom. Complete with a three-stall attached garage providing storage or workshop potential, this standout property truly checks every box. Convenient South St Cloud location!

4005 21st Avenue S, Saint Cloud

Listing courtesy of Coldwell Banker Realty.

Start Your Search

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity Program of the Regional Multiple Listing Service of Minnesota. Real estate listings held by brokerage firms other this firm are marked with the Broker Reciprocity logo. Information Deemed Reliable But Not Guaranteed. Property locations as displayed on any map are best approximations only and exact locations should be independently verified.

Listing data © 2026 Regional Multiple Listing Service of Minnesota. All rights reserved. By searching, you agree to the EULA.

Stearns County Homes with Three Level Split Stories

Newest Stearns County Homes with Three Level Split Stories

How much is your home worth?

How much is your home worth?