Listed at
$400,000
$160/sqft

School Lake Shores

10464 Spruce Street, Chisago City, MN, 55013
4  Bedrooms3  Bathrooms2,499  Square Feet0.5  Acres
Days on market39
Year built2006
Garage spaces3
TypeResidential
Est. $9,000buyer credit when you buy with SODL
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About this home

This thoughtfully updated 4-bedroom, 3-bathroom rambler in a kid-friendly neighborhood is an absolute must-see. Enjoy an open floor plan with soaring ceilings, a main-floor primary bedroom, and main floor laundry. Major recent investments include a brand-new roof and gutters (8/2026), all new windows throughout (5/2024), new main-level carpet, and fresh lower-level paint. The kitchen shines with a new stove (8/2026) and a recently updated refrigerator (7-2024). The spacious lower-level family room features a wet bar with a brand-new refrigerator and microwave (7/2026). Car enthusiasts will appreciate the 3-car garage with a new third-stall door and motor. Step outside to enjoy your half-acre lot backing up to a pond, complete with a sidewalk around the neighborhood. Located near the Chisago Lakes Chain and Carlos Avery Wildlife Area, this home is the perfect blend of outdoor recreation and an easy commute to the Twin Cities. Garage is ready for workshop with 240 volt outlet and separate 100 amp breaker panel.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2006
LevelsOne
Living area2,499 sqft
Above-grade finished1,358 sqft
Below-grade finished1,141 sqft
Lot size0.5 acres (170x187x74x150)
Days on market39
ListedAug 20, 2026
MLS #NST7130665
CountyChisago
SubdivisionSchool Lake Shores
Parcel #130004723

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
3 full
Heating
Forced Air
Cooling
Central Air
Appliances
Chandelier, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
3 spaces · 32x26 · 832 sqft
Parking features
Attached Garage, Gravel, Asphalt, Garage Door Opener, Insulated Garage
Exterior features
Stone, Vinyl
Fencing
None
View
North

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame, Stone
Foundation
Block · 1,358 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
2006

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Electric, Natural Gas
Electric
Circuit Breakers, 100 Amp Service, 200+ Amp Service

Community & HOA

Subdivision
School Lake Shores
HOA
No HOA
School district
2144 - Chisago Lakes
High school district
Chisago Lakes

Financial & listing details

Annual tax
$4,071 (2025)
Tax with assessments
4088
Listed
Aug 20, 2026
Days on market
39 · 12 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths3
3/4 baths0
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Drain Tiled, Drainage System, Egress Window(s), Finished, Full, Kitchenette, Sump Basket, Sump Pump
HeatingForced Air
CoolingCentral Air
LaundryElectric Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup
AppliancesChandelier, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningLiving/Dining Room
AmenitiesCable, Ceiling Fan(s), Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Vaulted Ceiling(s), Washer/Dryer Hookup, Wet Bar, Walk-In Closet
AccessibilityNone
Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Vinyl
RoofAge 8 Years or Less, Asphalt
FoundationBlock
Foundation area1,358 sqft
Lot featuresIrregular Lot, Tree Coverage - Medium, Underground Utilities, Wetlands
Road frontageCity Street, Curbs, Paved Streets, Sidewalks, Storm Sewer
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Gravel, Asphalt, Garage Door Opener, Insulated Garage
Garage spaces3
Garage size832 sqft

Financial details

Annual taxes$4,071
Tax year2025
Taxes w/ assessments4088
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District2144 - Chisago Lakes
District number2144
District phone6512132096
High schoolChisago Lakes
SODL flat fee brokerage
$9,000Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,000

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

$2,575/mo
Principal & interest$2,102
Property taxes$339
Home insurance (est.)$133
%
$80,000
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

10464 Spruce Street, Chisago City, MN, 55013

Listing information

MLS #NST7130665
StatusActive
Last updatedSep 21, 2026, 3:04 AM
Originally listedAug 20, 2026, 12:24 PM
Listing officeCounselor Realty, Inc
Co-listing officeCounselor Realty, Inc

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.