Sold / Closed
$690,000

Sold price · Closed Aug 12, 2026

$265/sqft

Schwartz Martinco Add

11130 20th Street Court N, Lake Elmo, MN, 55042
3  Bedrooms3  Bathrooms2,512  Square Feet0.981  Acres
Days on market2
Year built1975
Garage spaces2.5
TypeResidential
Est. $16,950buyer credit when you buy with SODL

About this home

A rare opportunity to enjoy the best of Minnesota lake living, this exceptional property includes shared access to 50 feet of Lake Elmo shoreline with a dock and storage shed, perfect for boating, swimming, fishing, paddleboarding, and relaxing on the water. Experience the perfect blend of privacy, comfort, and casual living in this beautifully maintained 3-bedroom, 3-bath home, tucked away on nearly one acre of mature trees at the end of a quiet cul-de-sac. A welcoming front entrance sets the tone, inviting you inside to warm, light-filled living spaces. The front dining room showcases a large bay window and flows seamlessly into the thoughtfully designed kitchen featuring abundant cabinetry, generous counter space, a decorative tile backsplash, and peninsula. A window above the sink frames peaceful front yard views, making everyday tasks a little more enjoyable. The adjoining dining area opens to a spacious living room anchored by a dramatic floor-to-ceiling brick accent wall featuring a gas burning fireplace, creating a warm and inviting gathering space. Just beyond, the spectacular four-season porch is surrounded by walls of windows and enhanced by two skylights, filling the room with natural light throughout the day. Step outside to decks on both sides of the porch, with one leading down to the patio and firepit, ideal for entertaining, relaxing, or simply taking in the beauty of your private wooded surroundings. The serene primary suite offers a large closet and private bath complete with a walk-in shower and luxurious in-floor heat. Two additional bedrooms and a full bath provide comfortable accommodations for family, guests, or a dedicated home office. The inviting lower level features a gas burning fireplace set against a dramatic floor-to-ceiling brick accent wall, a spacious game room with a dry bar, and a convenient half bath. A versatile utility room includes a dedicated laundry area, a workshop with a built-in workbench, and direct access to the backyard, perfect for hobbies, DIY projects, or additional storage. Walkout to the beautifully landscaped backyard, where mature trees, lush green lawn, and exceptional privacy create your own peaceful retreat. An oversized 2.5-car garage provides ample space for vehicles, tools, and recreational gear, while the shared storage shed offers additional room for lake toys and outdoor equipment. Ideally located near parks, scenic trails, shopping, dining, and major commuter routes, this exceptional Lake Elmo property combines the serenity of a wooded setting with the convenience of everyday amenities. The home inspection has been completed for you. See supplements for photos, tour, Matterport Floorplan, and more. Properties offering this unique blend of privacy, shared lake access, functional living spaces, and outstanding storage opportunities are rarely available. Schedule your private showing today and experience everything this exceptional Lake Elmo home has to offer.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1975
LevelsOne
Living area2,512 sqft
Above-grade finished1,787 sqft
Below-grade finished725 sqft
Lot size0.981 acres (107x106x255x185x176)
Days on market2
ListedJun 29, 2026
MLS #NST7082986
CountyWashington
SubdivisionSchwartz Martinco Add
Parcel #2402921330010

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Baseboard, Forced Air, In-Floor Heating
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Humidifier, Gas Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
2.5 spaces · 28x28 · 796 sqft
Parking features
Attached Garage, Concrete, Garage Door Opener, Storage
Patio & porch
Deck, Patio
Exterior features
Stone, Metal
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Concrete, Frame
Foundation
Block · 1,382 sqft
Roof
Architectural Shingle, Asphalt, Pitched
Year built
1975

Utilities

Water
Well
Sewer
Private Sewer, Tank with Drainage Field
Fuel
Electric, Natural Gas
Electric
Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision
Schwartz Martinco Add
HOA
No HOA
School district
834 - Stillwater
High school district
Stillwater

Financial & listing details

Annual tax
$5,453 (2026)
Tax with assessments
5456
Listed
Jun 29, 2026
Days on market
2
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Drainage System, Finished, Full, Storage Space, Walkout
HeatingBaseboard, Forced Air, In-Floor Heating
CoolingCentral Air
Fireplaces2
LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup
AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Humidifier, Gas Water Heater, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningEat In Kitchen, Informal Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Paneled Doors, Skylight, Tile Floors, Washer/Dryer Hookup
AccessibilityNone
Special features3 BR on One Level, Main Floor Primary, Main Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorStone, Metal
RoofArchitectural Shingle, Asphalt, Pitched
FoundationBlock
Foundation area1,382 sqft
Patio/porchDeck, Patio
Lot featuresAccessible Shoreline, Irregular Lot, Tree Coverage - Heavy, Underground Utilities
Road frontageCul De Sac, Curbs, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceWell
SewerPrivate Sewer, Tank with Drainage Field
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Concrete, Garage Door Opener, Storage
Garage spaces2.5
Garage size796 sqft

Financial details

Annual taxes$5,453
Tax year2026
Taxes w/ assessments5456
Assessment pendingUnknown
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District834 - Stillwater
District number834
District phone6513518301
High schoolStillwater
SODL flat fee brokerage
$16,950Estimated buyer credit
SODL platform fee $3,000Your buyer credit $16,950

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

$4,171/mo
Principal & interest$3,495
Property taxes$454
Home insurance (est.)$222
%
$133,000
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

11130 20th Street Court N, Lake Elmo, MN, 55042

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Listing information

MLS #NST7082986
StatusClosed
Last updatedAug 12, 2026, 5:21 PM
Originally listedJul 11, 2026, 12:00 AM
Listing officeEdina 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.