Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $2,800 (2026).

What school district is this property in?

This property is in the 2144 - Chisago Lakes school district.

How long has this property been on the market?

This property has been listed for 0 days.

Listed at

$525,000

$267/sqft

Center City

140 N Main Street, Center City, MN, 55012

4 Bedrooms2 Bathrooms1,964 Square Feet0.233 Acres

Days on market0

Year built1928

ParkingOn-Street Parking Only

TypeResidential

Est. $12,750buyer credit when you buy with SODL

Interested?

Pick a date to request a showing

Cancel anytime, free.

About this home

Welcome to your lakeside retreat on Pioneer Lake! This charming 4-bedroom, 2-bathroom home combines classic comfort with fresh, modern updates. Great location - walk to restaurants and shops! Enjoy panoramic lake views from the kitchen's breakfast bar, step out onto the generous deck overlooking the water or relax in the cozy 3-season porch just off the dining room. 4 bedrooms (2 upstairs and 2 on the main level), 1 full bathroom on the main level, and a convenient upper-level half bath. Newly refinished hardwood floors on the main floor, large living room, formal dining room, and two comfortable bedrooms with lake views. Upper level features 2 private bedrooms, equipped with walk-in closets, and a half bath. Brand new refinished hardwood floors in the bedrooms and hallway. New carpet on the stairs. Lower level has a newly updated family room, new carpet, a newer washer and dryer, ample storage space, and a walkout leading straight to the yard/patio area. Many updates! Brand new roof installed in 2026. Freshly painted exterior in 2026, paired with fresh paint throughout the interior. Brand-new maintenance-free deck and a dock featuring a sturdy steel frame with new panels (designed to stay in year-round). New storage shed built 2024. Breakfast bar addition in the kitchen, new custom cabinets surrounding refrigerator, new tile backsplash, newer range/hood and newer flooring. A newly completed basement family room renovation featuring pine tongue and groove ceiling with recessed lighting. New carpet on the stairs and in the family room, fresh paint. New light fixtures throughout! Move-in ready and built for year-round enjoyment by the water.

Contact us

Write a message

Home facts

Property typeResidential

Property subtypeSingle Family

Year built1928

LevelsTwo

Living area1,964 sqft

Above-grade finished1,684 sqft

Below-grade finished280 sqft

Lot size0.233 acres (125x84)

Days on market0

ListedOct 7, 2026

MLS #NST7156377

CountyChisago

SubdivisionCenter City

Parcel #120004700

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: Two
Parking features: On-Street Parking Only
Exterior features: Stucco
View: Lake
Waterfront: Lake Front
Lot size: 0.233 acres

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Poured Concrete · 1,171 sqft
Roof: Asphalt
Year built: 1928

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

Subdivision: Center City
HOA: No HOA
School district: 2144 - Chisago Lakes
High school district: Chisago Lakes

Financial & listing details

Annual tax: $2,800 (2026)
Listed: Oct 7, 2026
Days on market: 0
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths0

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Full, Partially Finished, Storage Space, Walkout

HeatingForced Air

CoolingCentral Air

AppliancesDishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer

DiningBreakfast Bar, Eat In Kitchen, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Dock, Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio, Paneled Doors, Porch, Tile Floors, Walk-In Closet

AccessibilityNone

Special featuresMain Floor Bedroom

Exterior & lot

ExteriorStucco

RoofAsphalt

FoundationPoured Concrete

Foundation area1,171 sqft

Road frontageCity Street

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingOn-Street Parking Only

Garage spaces0

Financial details

Annual taxes$2,800

Tax year2026

Taxes w/ assessments2800

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

$12,750Estimated buyer credit

SODL platform fee $3,000Your buyer credit $12,750

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

$3,167/mo

Principal & interest$2,759

Property taxes$233

Home insurance (est.)$175

Down payment

$105,000

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.