Listed at
$359,900
$138/sqft

Sterners Add

1020 2nd Avenue, Howard Lake, MN, 55349
5  Bedrooms4  Bathrooms2,605  Square Feet0.49  Acres
Days on market309
Year built1997
Garage spaces2
TypeResidential
Est. $7,797buyer credit when you buy with SODL
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About this home

Live the lake life right in town! This charming and wonderfully updated 5-bed, 4-bath rambler sits on a generous half-acre lot on Mallard Pass Lake, close to schools, parks, and everyday conveniences. The main floor features a relaxing primary bedroom suite, airy open-concept living spaces, and main-floor laundry. The large deck invites you to unwind, entertain, and take in the tranquil lake setting. Head to the lower level to enjoy a cozy family room with a fireplace, a perfect game-room hangout space, two additional bedrooms, and a walkout to the backyard and shoreline. With many interior and exterior updates including newer siding, soffit, gutters, and an upgraded attached garage with a 220 outlet, heat and AC - this home blends modern living with a peaceful lakeside lifestyle.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1997
LevelsTwo
Living area2,605 sqft
Above-grade finished1,375 sqft
Below-grade finished1,230 sqft
Lot size0.49 acres (90X223X72X26X238)
Days on market309
ListedNov 23, 2025
MLS #NST6821172
CountyWright
SubdivisionSterners Add
Parcel #109022003020

Facts & features

Interior

Bedrooms
5
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Dishwasher, Disposal, Dryer, Exhaust Fan, Range, Refrigerator, Washer

Property

Levels / stories
Two
Garage
2 spaces · 23X23 · 529 sqft
Parking features
Detached, Asphalt, Heated Garage, Insulated Garage, On-Street Parking Only
View
East
Waterfront
Lake Front
Lot size
0.49 acres

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
Vinyl Siding
Foundation
1,376 sqft
Year built
1997

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Electric
200+ Amp Service

Community & HOA

Subdivision
Sterners Add
HOA
No HOA
School district
Howard Lake-Waverly-Winsted

Financial & listing details

Annual tax
$4,420 (2025)
Tax with assessments
4420.0000
Listed
Nov 23, 2025
Days on market
309 · 1 cumulative

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Full, Walkout
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
AppliancesDishwasher, Disposal, Dryer, Exhaust Fan, Range, Refrigerator, Washer
AccessibilityOther

Exterior & lot

Foundation area1,376 sqft
Lot featuresAccessible Shoreline
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected

Parking & garage

ParkingDetached, Asphalt, Heated Garage, Insulated Garage, On-Street Parking Only
Garage spaces2
Garage size529 sqft

Financial details

Annual taxes$4,420
Tax year2025
Taxes w/ assessments4420.0000
Assessment pendingNo
Down payment resourceY
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2687
District phone320-543-3521
High schoolHoward Lake-Waverly-Winsted
SODL flat fee brokerage
$7,797Estimated buyer credit
SODL platform fee $3,000Your buyer credit $7,797

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

  • Tour homes with SODL’s flexible showing network
  • Submit offers and manage your transaction through the platform
  • Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,380/mo
Principal & interest$1,891
Property taxes$368
Home insurance (est.)$120
%
$71,980
0%50%
Credit score
Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.

Location

1020 2nd Avenue, Howard Lake, MN, 55349

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Listing information

MLS #NST6821172
StatusActive
Last updatedNov 24, 2025, 11:03 AM
Originally listedNov 24, 2025, 2:14 AM
Listing officeExit Realty Hometown Advantage

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.