I can't speak to the St. Cloud market specifically. I can tell you that in Chicago, for example, 90 days is no longer "a lot" -- 4-6 months is the average (and I stress average. Of course there are exceptions).
Even then, not everybody is willing to take deep discounts. Every situation is different and every seller has a different motivation for selling, which will impact what they are willing to accept.
Without specific information, it is too difficult to tell you what you should offer. Who knows if the home is overpriced, underpriced, priced just right, being sold in distress, being sold by owners who "don't have to sell"... the list goes on and on.
Take a look at the most recently (and I mean: recently) sold comps -- as in 2-3 months -- and see what similar homes have sold for. Study the ratios of list vs. ask to get an idea of what people are accepting. Weigh that against what you are willing to pay - and why.
An informed consumer will mean a smart offer. You can try throwing darts in the dark and praying for a deep discount, but in my opinion, an educated offer is much more likely to land you the house if you really want it.