Does this property have an HOA?

Yes. The HOA fee is $43 per month.

What are the annual property taxes?

Annual property taxes are $8,819 (2025).

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property was listed for 49 days.

Pending

$849,900

$361/sqft

Legacy/North Star 4th Add

10748 40th Street N, Lake Elmo, MN, 55042

4 Bedrooms4 Bathrooms2,352 Square Feet9360 Acres

Days on market49

Year built2022

Garage spaces3

HOA / month$43

TypeResidential

Est. $22,497buyer credit when you buy with SODL

About this home

Welcome to 10748 40th Street North! Looking for style, design, are found in one of Lake Elmo’s fastest-growing communities. Built in 2022 by Creative Homes, this highly sought-after floor plan delivers the features today’s buyers demand: flexible living space, modern finishes, and room to grow. The open-concept layout checks every box with a spacious great room and fireplace, a designer kitchen with Quartz countertops, stainless steel appliances, walk-in pantry, and an oversized mudroom with custom storage that keeps everyday life organized. Upstairs, four generous bedrooms plus a versatile loft provide the separation and flexibility buyers are looking for. The primary suite offers a private retreat, while the upper-level laundry adds everyday convenience. A three-car garage, professional landscaping, and energy-efficient construction enhance long-term value. Located in the award-winning Stillwater School District and minutes from Lake Elmo Park Reserve. Legacy at North Star amenities—including a private clubhouse, pool, basketball court, playground, fire pit, and scenic trails—create a true community experience that continues to attract buyers. Homes with this layout, location, and flexibility don’t last. Schedule your private tour today.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2022

LevelsTwo

Living area2,352 sqft

Above-grade finished1,276 sqft

Below-grade finished1,076 sqft

Lot size9360 acres (71.5 x 130)

Days on market49

ListedFeb 19, 2026

MLS #NST7023894

CountyWashington

SubdivisionLegacy/North Star 4th Add

Parcel #1102921430070

Facts & features

Interior

Bedrooms: 4
Bathrooms: 4
Bath breakdown: 3 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 3 spaces · 33x24 10x11 · 892 sqft
Parking features: Attached Garage, Asphalt, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Composite Decking, Covered, Deck, Patio, Porch, Rear Porch, Screened
Pool: None
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Concrete, Frame
Foundation: 1,276 sqft
Roof: Age 8 Years or Less
Year built: 2022

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers

Community & HOA

Subdivision: Legacy/North Star 4th Add
HOA: $43/month
HOA name: Omega Property Management
HOA phone: 7634499100
HOA includes: Professional Mgmt, Recreation Facility, Shared Amenities
School district: Stillwater

Financial & listing details

Annual tax: $8,819 (2025)
Tax with assessments: 8822
Listed: Feb 19, 2026
Days on market: 49
Manufactured home: Yes

Interior details

Total bathrooms4

Full baths3

3/4 baths0

Half baths1

1/4 baths0

BasementDrain Tiled, Egress Window(s), Finished, Full, Concrete, Sump Basket, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryGas Dryer Hookup, Laundry Room, Sink, Upper Level, Washer Hookup

AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

DiningBreakfast Bar, Breakfast Area, Eat In Kitchen, Kitchen/Dining Room, Living/Dining Room

AmenitiesCable, Deck, Exercise Room, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Patio, Paneled Doors, Porch, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special features2nd Floor Laundry, 4 BR on One Level, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less

Foundation area1,276 sqft

Patio/porchComposite Decking, Covered, Deck, Patio, Porch, Rear Porch, Screened

Lot featuresTree Coverage - Light

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces3

Garage size892 sqft

Financial details

Annual taxes$8,819

Tax year2025

Taxes w/ assessments8822

Assessment pendingNo

HOA fee$43

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2291

District phone6513518301

High schoolStillwater

SODL flat fee brokerage

$22,497Estimated buyer credit

SODL platform fee $3,000Your buyer credit $22,497

Buyer-side commission

3.0%

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

$5,528/mo

Principal & interest$4,467

Property taxes$735

Home insurance (est.)$283

HOA fees$43

Down payment

$169,980

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.