Does this property have an HOA?

Yes. The HOA fee is $400 per month.

What are the annual property taxes?

Annual property taxes are $6,506 (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 has been listed for 229 days.

Listed at

$499,900

$190/sqft

Whitetail Ridge Cic #16

20270 Polk Street, Elk River, MN, 55330

3 Bedrooms3 Bathrooms2,628 Square Feet0.89 Acres

Days on market229

Year built2001

Garage spaces3

HOA / month$400

TypeResidential

Est. $11,997buyer credit when you buy with SODL

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About this home

This well-maintained 3-bedroom, 3-bath Elk River home offers a comfortable layout with thoughtful updates and inviting indoor and outdoor spaces. The kitchen features granite countertops and hardwood flooring that extends into the dining area, creating a warm and functional gathering space. Recent mechanical updates include a new furnace and dishwasher in 2023, along with a new washer and dryer added in 2025. The home offers multiple living areas, including a lower-level family room and bar area, making it ideal for entertaining or relaxing. Step outside to enjoy the back patio with a built-in fireplace—perfect for cozy evenings and outdoor gatherings. With a practical floor plan, quality finishes, and a great Elk River location near parks, schools, and shopping, this home is a wonderful opportunity for comfortable everyday living.

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built2001

LevelsOne

Living area2,628 sqft

Above-grade finished1,517 sqft

Below-grade finished1,111 sqft

Lot size0.89 acres (133x370x100x332)

Days on market229

ListedFeb 10, 2026

MLS #NST7014591

CountySherburne

SubdivisionWhitetail Ridge Cic #16

Parcel #75006620410

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 679 sqft
Parking features: Attached Garage
Patio & porch: Composite Decking, Deck
Fencing: None
Lot size: 0.89 acres

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Concrete
Foundation: 1,523 sqft
Roof: Asphalt
Year built: 2001

Utilities

Water: Well
Sewer: Shared Septic
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Whitetail Ridge Cic #16
HOA: $400/annual
HOA name: Whitetail Ridge
HOA phone: 6122470241
HOA includes: Other, Professional Mgmt, Shared Amenities
HOA amenities: Trail(s)

Financial & listing details

Annual tax: $6,506 (2025)
Listed: Feb 10, 2026
Days on market: 229 · 7 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementFinished

HeatingForced Air

CoolingCentral Air

Fireplaces2

LaundryLaundry Room, Main Level

AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningBreakfast Area, Informal Dining Room, Living/Dining Room

AmenitiesDeck, Hardwood Floors, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio, Paneled Doors, In-Ground Sprinkler, Washer/Dryer Hookup, Wet Bar, Walk-In Closet

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

RoofAsphalt

Foundation area1,523 sqft

Patio/porchComposite Decking, Deck

Road frontagePaved Streets, Street Lights

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerShared Septic

FuelNatural Gas

Parking & garage

ParkingAttached Garage

Garage spaces3

Garage size679 sqft

Financial details

Annual taxes$6,506

Tax year2025

Taxes w/ assessments6506

Assessment pendingNo

HOA fee$400

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2241

District phone7632413400

High schoolElk River

SODL flat fee brokerage

$11,997Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,997

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.

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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

$3,736/mo

Principal & interest$2,627

Property taxes$542

Home insurance (est.)$167

HOA fees$400

Down payment

$99,980

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.