600–660 W Saint Germain Street is a 168,768 square foot, three-story freestanding retail property located in the heart of Downtown Saint Cloud, Minnesota. Currently 33% occupied and generating positive cash flow, Capital One has a lease through 8/31/2028 with a strong subtenant in place. Positioned on a 1.33-acre corner parcel with frontage along West Saint Germain Street and 7th Avenue South, the asset sits within the city’s primary retail, office, and civic corridor. The property was constructed in 1985 and features flexible large floor plates, masonry construction, a multi-level layout, and direct access to an adjacent public parking garage, in addition to on-site surface parking. The property is situated within the Minneapolis–St. Paul MSA’s broader regional influence and serves as a dominant commercial presence within the Saint Cloud submarket. The surrounding area benefits from strong walkability, proximity to St. Cloud State University, and a consistent daytime population driven by nearby government offices, healthcare facilities, and regional employers. With substantial square footage and flexible floor plates, the asset is well-positioned for a variety of retail, entertainment, mixed-use, or adaptive reuse strategies in a supply-constrained downtown environment.