Stearns Homes with (MF) Duplex Up and Down Style

Stearns County, located in the state of Minnesota, is a vibrant and picturesque region known for its natural beauty, friendly communities, and thriving real estate market. Situated in the heart of the state, Stearns County offers a perfect blend of small-town charm and urban conveniences, making it an ideal place to call home.

One of the popular housing styles in Stearns County is the duplex up and down style, also known as an MF (multi-family) duplex. These homes are designed to accommodate two separate living units, with one unit on the upper floor and another on the lower floor. This style of housing provides a unique opportunity for homeowners to live in one unit and rent out the other, making it an attractive option for those looking to generate additional income.

Duplexes in Stearns County are highly sought after due to their versatility and investment potential. Whether you're a first-time homebuyer, an investor, or someone looking to downsize, a duplex offers the flexibility to meet your specific needs. With separate entrances and living spaces, duplexes provide privacy and independence for each unit, creating a sense of individuality within a shared property.

Stearns County's real estate market offers a variety of duplex options, ranging from modern and newly constructed units to charming historic properties. With a range of prices and locations to choose from, finding the perfect duplex in Stearns County is an exciting and rewarding experience.

If you're considering purchasing a home in Stearns County, exploring the duplex up and down style could be a wise decision. Not only does it offer a comfortable and flexible living arrangement, but it also presents an opportunity for financial growth. With its thriving real estate market and desirable location, Stearns County is a place where you can find your dream home and make a sound investment.

Newest Stearns Homes with (MF) Duplex Up and Down Style

$225,000

4 Beds ⋅ 2 Baths ⋅ 7112660 MLS

Welcome to 1521 Garfield Court, St. Cloud—a charming, legal duplex in an outstanding location just minutes from Lake George, St. Cloud State University, and downtown St. Cloud. Whether you're looking to expand your investment portfolio or owner-occupy while generating rental income, this well-maintained property is a fantastic opportunity. The spacious main-level unit features 3 bedrooms, 1 full bathroom, beautiful hardwood floors, original oak trim, a generous kitchen with a dinette area, and a large bonus family room/seasonal porch offering additional living space. This unit is clean, move-in ready, and was previously rented for $1,250 per month. The upper-level unit offers 1 bedroom and 1 full bathroom with charming views of the surrounding neighborhood. It is currently rented for $800 per month, providing immediate rental income. The shared basement includes laundry facilities and ample storage for both units. Outside you'll find a 1-car detached garage, a private backyard, and attractive curb appeal. The property is well maintained inside and out, has a current rental license, and features reasonable 2026 property taxes of just $3,144. A turnkey duplex in a desirable location with strong rental history and excellent owner-occupant or investment potential.

1521 Garfield Court, Saint Cloud

Listing courtesy of Core Realty LLC.

$290,000

4 Beds ⋅ 3 Baths ⋅ 7106870 MLS

Great income-generating rental property with long-term tenants! Two houses, three total units, all on one parcel (427 16th Ave N is the larger home and 1608 5th St N is the smaller home). Many updates have been done throughout the property, making this a must-see investment opportunity!

427 16th Avenue N, Saint Cloud

Listing courtesy of Edina Realty, Inc.

$259,000

7 Beds ⋅ 3 Baths ⋅ 7102225 MLS

Excellent opportunity for both investors or owner-occupants with immediate income potential! This spacious duplex, with almost 3,500 finished square feet, features a 3-bedroom upper unit and a 4-bedroom lower unit, offering an attractive layout for tenants and strong rental demand. Brand-new carpet on the main and lower levels provides a fresh update, making it easy to lease and minimizing upfront maintenance costs. Whether you're an experienced investor or looking to house hack your way into real estate, this property as a lot of upside. Live in one unit while renting the other to significantly offset your mortgage, or lease both units to maximize cash flow. Located on a desirable corner lot in a convenient St. Cloud neighborhood, the property also offers a large off-street parking pad, a valuable amenity for tenants. With the opportunity to place new tenants at current market rents, this huge duplex offers immediate upside and long-term wealth-building potential.

1324 1st Street N, Saint Cloud

Listing courtesy of eXp Realty.

$209,900

5 Beds ⋅ 2 Baths ⋅ 7074655 MLS

Excellent opportunity to expand your investment portfolio with this up/down duplex in the heart of Waite Park! Each unit offers comfortable living spaces with strong rental appeal, making this a great option for both seasoned investors and owner-occupants looking to offset their mortgage. Convenient location near shopping, dining, parks, and major roadways provides easy access for tenants. Property features separate living spaces, off-street parking, natural gas heat, and in-unit laundry. Tenants pay most utilities, helping maximize cash flow potential. Garage stalls can be rented for additional income opportunity. Whether you're looking for steady rental income or future value-add potential, this duplex is packed with possibilities!

157 10th Avenue N, Waite Park

Listing courtesy of RE/MAX Results.

$174,900

5 Beds ⋅ 2 Baths ⋅ 7032007 MLS

Great up and down duplex. Fully rented.

629 9th Avenue S, Saint Cloud

Listing courtesy of Trilogy Properties of MN, LLC.

$222,500

5 Beds ⋅ 2 Baths ⋅ 6762394 MLS

DUPLEX – Offset Your Mortgage in a Prime Location! Just a short walk from downtown St. Cloud and directly across from scenic Lake George, this well-maintained up/down duplex is a smart investment with long-term potential. Main level unit offers 3 spacious bedrooms and 1 bathroom, providing comfortable and functional living space that appeals to a wide range of tenants. Upper unit has 2 bedrooms with a quaint kitchen and family room. Both units are currently rented, making this a true turnkey opportunity for investors or future owner-occupants looking to offset their mortgage with rental income. The location is unbeatable—residents enjoy year-round access to walking and biking paths, community events, and beautiful lake views right outside their front door. Whether you're looking to grow your rental portfolio or secure a property with built-in income, this duplex delivers on location, value, and versatility. Plus, the neighboring duplex at 308 9th Ave S is also available and can be purchased together to maximize your investment potential.

306 9th Avenue S, Saint Cloud

Listing courtesy of Kerber Castle Realty Group.

$204,900

9 Beds ⋅ 3 Baths ⋅ 6691590 MLS

Now here's a charmer with exceptional curb appeal! Great investment property near SCSU with off-street paved parking & low-maintenance stucco exterior! Main and upper floor is a 7 BR "lodging" style rental and the lower level is 2 BR Unit ~ an ideal set up for an owner/occupied or student housing. Easy proximity to downtown amenities, Lake George, SCSU & within blocks of public transport. Updated kitchen & bath! Nice curb-appeal & income potential!

707 6th Avenue S, Saint Cloud

Listing courtesy of Coldwell Banker Realty.

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