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 $4,078 (2026).

What school district is this property in?

This property is in the 831 - Forest Lake school district.

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 67 days.

Listed at

$424,900

$204/sqft

Sterling Oaks

20742 Grafton Avenue, Forest Lake, MN, 55025

4 Bedrooms3 Bathrooms2,085 Square Feet0.455 Acres

Days on market67

Year built2003

Garage spaces3

TypeResidential

Est. $9,747buyer credit when you buy with SODL

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About this home

Welcome home to this beautifully maintained split-level gem in the heart of Forest Lake! Featuring 4 bedrooms, 3 bathrooms, and a heated 3-car garage. This home checks every box! Good room sizes throughout and you will definitely appreciate the primary bedroom space with large walk in closet and the updated bathroom adds a touch of luxury. All bathrooms have been tastefully refreshed. Roof, siding, and A/C all replaced in 2018. Driveway just replaced so you don't need to worry about that! Step out the walk-out basement to enjoy a serene backdrop with no rear neighbors. Enjoy two sitting areas, both front and back patios, perfect for entertaining or unwinding. Located in a top-rated school district just minutes from downtown Forest Lake. Move-in ready and meticulously cared for — this one won't last!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2003

LevelsSplit Entry (Bi-Level)

Living area2,085 sqft

Above-grade finished1,210 sqft

Below-grade finished875 sqft

Lot size0.455 acres (100x198)

Days on market67

ListedJun 15, 2026

MLS #NST7093596

CountyWashington

SubdivisionSterling Oaks

Parcel #2103221230034

Facts & features

Interior

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

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 3 spaces · 29x21 · 614 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Patio
Exterior features: Stone, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 1,183 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Pitched
Year built: 2003

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 100 Amp Service

Community & HOA

Subdivision: Sterling Oaks
HOA: No HOA
School district: 831 - Forest Lake
High school district: Forest Lake

Financial & listing details

Annual tax: $4,078 (2026)
Listed: Jun 15, 2026
Days on market: 67 · 26 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths2

Half baths0

1/4 baths0

BasementBlock, Drain Tiled, Egress Window(s), Finished, Full, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryGas Dryer Hookup, Lower Level, Washer Hookup

AppliancesDishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningKitchen/Dining Room

AmenitiesKitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Patio, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Exterior & lot

ExteriorStone, Vinyl

RoofAge 8 Years or Less, Architectural Shingle, Pitched

FoundationBlock

Foundation area1,183 sqft

Patio/porchPatio

Lot featuresSod Included in Price, Tree Coverage - Light

Road frontageCity Street, Curbs, Paved Streets, Storm Sewer

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces3

Garage size614 sqft

Financial details

Annual taxes$4,078

Tax year2026

Taxes w/ assessments4078

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District831 - Forest Lake

District number831

District phone6519828103

High schoolForest Lake

SODL flat fee brokerage

$9,747Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,747

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

$2,714/mo

Principal & interest$2,233

Property taxes$340

Home insurance (est.)$142

Down payment

$84,980

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.

Location

20742 Grafton Avenue, Forest Lake, MN, 55025

Street View

Listing information

MLS #NST7093596

StatusClosed

Last updatedSep 23, 2026, 10:13 PM

Originally listedJun 18, 2026, 12:00 AM

Listing officeRE/MAX Synergy

Co-listing officeRE/MAX Synergy

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.