Stearns 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 Homes with Three Level Split Stories

$345,000

4 Beds ⋅ 4 Baths ⋅ 7115457 MLS

INCOME POTENTIAL with Single Family Feel: Introducing 436 9th Street South in Waite Park. This 4 bedroom 4 bathroom home was built in 1965 and offers more than 3,000 square feet of finished living space sitting on an oversized .64 acre lot. This home provides a great opportunity for an income producing rental unit with an 850 sqft 1 bed 1 bath private addition. Outside is an oversized wooded lot with plenty of space to roam or plant that garden you've always wanted. The interior of the home boasts an upper level with a large family room, a separate living room, dining room, kitchen and a half bath. The lower level offers3 beds and 2 baths including a huge primary bedroom with a private bath and walk in closet. Upgrades include a new furnace and central air in the secondary residence. All of this is in a quiet, convenient location with easy access to parks, dining, retail, and all that the3 Saint Cloud metro has to offer.

436 9th Street S, Waite Park

Listing courtesy of Keller Williams Integrity NW.

$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 ⋅ 7114100 MLS

Why go thru the hassle of building when this home is like brand new! Great floor plan! Nicely appointed kitchen with walk-in pantry, granite countertops and stainless steel appliances. The center island offers a snack bar and the informal dining room has a sliding glass door to the future deck area. You'll find modern finishes and wall color throughout along with vaulted ceilings in the kitchen/dining/living room area. The large primary bedroom has a private full bath & walk-in closet and there are two more bedrooms and a full bath on the main floor. This is a very large floorplan with the ability to finish the basement pushing the finished square feet well over 2300 FSF. Triple attached garage, sprinkler system, and gutters!

23003 27th Avenue, Saint Augusta

Listing courtesy of Agency North Real Estate, Inc.

$695,000

4 Beds ⋅ 3 Baths ⋅ 7110758 MLS

Rare opportunity to own a beautifully updated multi-generational lake home with over 100 feet of shoreline on Middle Spunk Lake. This almost 2200 sq. foot 4-bedroom, 3-bath home allows for flexible living with two full kitchens, multiple gathering spaces, and exceptional lakeside access. West-facing with breathtaking sunset views set on a mostly-level 0.4 acres, this home will have you enjoying all of Middle Spunk Lake. The recently refinished deck has just one step before a level walk to the shoreline. The yard is easy to maintain with an in-ground sprinkler system fed by the lake. The spacious backyard is great for entertaining family and friends while enjoying afternoon shade from mature trees. The home was extensively renovated in 2022 with a new kitchen, updated bathroom, remodeled living room, two renovated bedrooms, and new flooring and carpet throughout much of the home. The walkout lower level comes with exceptional flexibility with a second full kitchen, spacious family room, oversized bedroom, sunroom, bathroom, and laundry...it is flexible for guests, extended family, etc. The lower-level addition, including the family room, sunroom, second kitchen, and bathroom, was completed in 1991. The roof was redone in 2018 with 50-year shingles and the cedar siding was re-stained in 2023. A neighborhood association ($50/year) provides access to a private beach and drive-in boat landing. Middle Spunk Lake also has an eco-harvester service that owners may choose to use for seasonal weed management. The lake reaches depths of 80 feet and is known as a great lake for fishing, boating and recreation. The neighborhood is looped and the road in front of the house receives very little traffic. The portable dock, featuring a newly refinished wood top (2025), is included with the home. Water depth at the end of the dock is approximately four feet, and the shoreline transitions from landscape rock and gravel to a sandy lake bottom. A spacious storage shed is attached to the extra-deep detached two-stall garage. The home has fiber internet available and is connected to city water/sewer. The home is move-in ready, does not require flood insurance, appliances are included, and a quick possession is available! Whether you're spending the afternoon on the water, hosting family on the deck, or ending the day with incredible sunsets over the lake, this property comes with the kind of lake lifestyle that's hard to find.

1037 Hamlet Drive N, Avon

Listing courtesy of Beycome Brokerage Realty LLC.

$525,000

3 Beds ⋅ 2 Baths ⋅ 7109445 MLS

Pack up the kids, fishing boat and floatables, as your affordable Lake Home Experience has arrived. A fabulous Lake View welcomes you from the living room and three season porch! This 2.2 acre treed walkout lot is ideal, with an easy slope to the 221 ft of sandy lake shore. This three bedroom, two bath, 3-level home has a convenient layout with a portable center island in the kitchen, cozy wood-burning fireplace, and spacious deck coming off the porch. The contractor or hobbyist will love the heated garage and 30 x 45 pole shed, as this property fronts on a County Road. Lynden Lake offers good fishing, is 19 feet deep with excellent water clarity, and provides a quieter, more serene Lake Experience!

1307 County Road 44, South Haven

Listing courtesy of Keller Williams Integrity NW.

$269,900

3 Beds ⋅ 2 Baths ⋅ 7106339 MLS

Welcome to this well-maintained 3-bedroom, 2-bathroom three-level split home tucked away at the end of a quiet cul-de-sac in Sartell. Designed for comfortable everyday living, the main level features a bright and functional layout with a spacious kitchen complete with a center island, offering plenty of prep space and room to gather. The finished lower level provides additional living space perfect for a family room, recreation area, or home office. The primary bedroom includes a walk-in closet, while the attached insulated two-car garage adds convenience and extra functionality. Step outside to enjoy the patio and peaceful backyard setting, ideal for relaxing or entertaining. Numerous recent updates provide added peace of mind, including a new roof (approximately three years ago), furnace, air conditioner, water heater, refrigerator, washer, and dryer. Conveniently located just two blocks from a neighborhood park and close to schools, shopping, dining, and everyday amenities, this move-in-ready home offers a fantastic combination of comfort, updates, and location.

224 Country Court, Sartell

Listing courtesy of Pemberton RE.

$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..

$479,900

4 Beds ⋅ 3 Baths ⋅ 7069647 MLS

**SPEC HOME*** A beautiful 5 bedroom 3 bath is a must see 3 level split. A full master suite resides above the garage with walk in closet and master bath. Walkout basement with option of 5 bedroom/or office. This development is across from Pleasant Lake and Lions Park. Children in this development attend Rocori schools as they are taking open enrollment. Development is designated St. Cloud school district, Rocori school district accepts open enrollment. At Thomas Allen Homes we build from home plans and allow your clients to select their own finishes, colors, options, etc. Building in this community is now here and awaiting your next buyer looking for a large city amenities with a small town feel. Be the first to select your premium lot. Now is the time to build your dreams and secure your spot for FALL 2026! New Build pricing starting at 300K. Move in ready models available now.

31136 Terra Vista Lane, Rockville

Listing courtesy of eXp Realty.

$825,000

4 Beds ⋅ 3 Baths ⋅ 6794228 MLS

This beautiful 10-acre hobby farm is ready for your dream of country living and yet only minutes from Sartell/St. Cloud. To help make your dream become even more affordable, the sellers are offering an incredible incentive: a 1% mortgage interest rate point buy-down through a $20,000 credit at closing! Just 2.5 miles from the Sartell High School, this 4-bedroom, 3-bath home features modern upgrades including leather-finish granite countertops and luxury plank flooring. The property offers the perfect blend of wooded and fenced pasture acres in a private setting. And the impressive 30' x 50' horse ready Morton building, includes a box stall, tack room and ample room for hay, equipment, and/or additional storage—ideal for equestrian use or hobby farming. An additional heated outbuilding adds even more flexibility for a workshop or year-round projects. Enjoy peaceful country living with this rare, turnkey opportunity offering space, privacy, a premier location and a great buyer incentive!

3330 30th Avenue N, Sartell

Listing courtesy of Real Broker, LLC.

$459,900

3 Beds ⋅ 2 Baths ⋅ 7036764 MLS

New Construction!! Quality built 3 level split level home by Noble Custom Homes. Prime location in the West Bridgeport development in the highly desirable Sartell school district with easy access to Highway 15 and Highway 10. Main floor and upper floor are finished, consisting of 3 bedrooms 2 bathrooms, kitchen, dining and living room. Spacious Owner's suite offers 3/4 bath with walk in shower and large walk in closet. Upper level over garage offers two more bedrooms. Kitchen has walk in pantry and large center island. Lower level will be unfinished, except for the laundry room that will be finished, but the floorplan offers flexibility on finishing it several different ways (with up to 3 additional bedrooms) Over-sized black frame windows for sleek, modern look! Home also offers insulated 3 car garage. Enjoy the ease of New Construction and the added piece of mind with the included builders warranty! Notes: Buyer and Buyers agent to confirm all measurements. Some images contain virtual enhancements. Lawn seeding is included in the price and will be completed soon.

313 10th Street S, Sartell

Listing courtesy of ORB Real Estate.

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