Saint Cloud Homes with (MF) Duplex Up and Down Style

Welcome to Saint Cloud, Minnesota – a vibrant city that beautifully blends small-town charm with urban conveniences. Nestled along the banks of the Mississippi River, Saint Cloud is known for its rich history, bustling arts scene, and a plethora of outdoor activities. With its friendly community, excellent schools, and diverse dining options, Saint Cloud is an ideal place for families, young professionals, and retirees alike.

One of the standout features of Saint Cloud’s real estate market is its array of duplex homes, particularly the up-and-down style (MF) duplexes. These properties offer a unique opportunity for homeowners and investors alike. Imagine living in one unit while renting out the other, providing a steady income stream or the perfect solution for multi-generational living. The up-and-down duplexes in Saint Cloud are designed for comfort and convenience, often featuring separate entrances, spacious layouts, and modern amenities.

The charm of these duplex homes is complemented by the surrounding community. Residents enjoy easy access to local parks, walking trails, and the picturesque Mississippi River, making it a great place for outdoor enthusiasts. Additionally, Saint Cloud boasts a strong economy, with a growing job market and a variety of educational institutions, including the esteemed St. Cloud State University.

Whether you’re looking for a cozy home or an investment opportunity, Saint Cloud’s duplexes offer a perfect blend of practicality and charm. Come explore the possibilities in this delightful Minnesota city, where your dream home awaits!

Newest Saint Cloud 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.

$269,000

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.

$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.

$219,000

5 Beds ⋅ 2 Baths ⋅ 6826001 MLS

Very nice duplex with character , quality and in great shape. Each unit includes a 1 car garage stall. The top unit has 3 bedrooms. The lower unit is a 2 bedroom. Each unit has their own laundry. The home is in very good shape and has lots of character. The seller is focusing on downsizing on rental property within a certain distance of their core home area which makes this property a great opportunity and has 1 side open in case it's an owner occupant that would like to purchase and invest in this beautiful neighborhood and set up. Seller will consider a CD Contract For Deed with a reasonable down payment and terms.

312 3rd Avenue NE, Saint Cloud

Listing courtesy of Turpen Realty, Inc..

$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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