Overview
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New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- MONTAGUES VILLAGE UNIT 1
- Type
- Manufactured Home
True monthly carry
- HOA
- None / TBD
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
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11-month inspection
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Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
2003 Oak St is a 2026-built home in Montagues Village Unit 1, St Cloud. Inside you'll find 2 bedrooms, 2 bathrooms, and 750 square feet of living space. Listed at $215,000 (about $287/sqft), 283 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
No HOA, no CDD! This new 2026 mobile home offers 2 bedrooms and 2 bathrooms and is located within the city limits on a partially fenced lot. Enjoy a fresh, modern feel with all new appliances and an efficient, open layout with laminate flooring throughout. Conveniently located close to downtown St. Cloud, with easy access to shopping, dining, city buses and local amenities. A great opportunity for low-maintenance living with no extra community fees. O down and down payment assistance financing available to those who qualify. This home is a wind zone 3 (this area only requires a wind zone 2) which helps with insurance. Energy efficient mobile home with double pane windows. This can be purchased with a 0 downpayment with No PMI for those who qualify.
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The essentials
At a glance
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Details
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
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Sample: 157 closed home sales in 34769 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$215,000
$287 per sq ft
Beds and baths
2 beds, 2 baths
Size
750 sq ft
Time on market
283 days
Year built
2026
Monthly payment
About $1,285/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $680 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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