Listed at
$219,000
$109/sqft

Tyler & Schutz 2nd Add

220 Front Street, Cottonwood, MN, 56229
3  Bedrooms3  Bathrooms2,006  Square Feet0.123  Acres
Days on market382
Year built1910
Garage spaces2
TypeResidential
Est. $3,570buyer credit when you buy with SODL
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About this home

Dreaming of lake life? This Cottonwood Lake property is a rare opportunity to take a head start on a full interior remodel and finish it your way—creating a custom lakefront retreat that’s truly yours. The main floor features an open layout designed for relaxation. Imagine cooking and entertaining in a kitchen framed by four large windows showcasing breathtaking lake views, with multiple access points to the backyard that make everyday routines and gatherings even more enjoyable. A generous dining area, comfortable living room, a full bathroom, and a versatile bonus room perfect for an office or hobby space complete this level. Upstairs offers three bedrooms plus an unfinished room ready for your creativity—ideal for a fourth bedroom, office, or craft space with its own lake view window. You’ll also appreciate the remodeled full bathroom, blending convenience with modern updates. The lower level holds endless potential with a brick wood-burning fireplace, half bathroom, and plenty of room for a family or entertainment space. A storage area with walkout access to the backyard makes it easy to keep all your lake toys on hand. Outside, the stunning lakefront yard steals the show—featuring custom brick stairways, retaining walls, lush greenery, and vibrant flowers for a private retreat that feels like paradise. With so much potential, updates already in place, and unbeatable views, this property is ready for your vision to come to life.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1910
LevelsTwo
Living area2,006 sqft
Above-grade finished2,006 sqft
Below-grade finished0 sqft
Lot size0.123 acres (60x125x60x130)
Days on market382
ListedSep 11, 2025
MLS #NST6785567
CountyLyon
SubdivisionTyler & Schutz 2nd Add
Parcel #221040150

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Refrigerator

Property

Levels / stories
Two
Garage
2 spaces · 42x16 · 672 sqft
Parking features
Attached Garage, Concrete
View
Lake, North
Waterfront
Lake Front, Lake View
Lot size
0.123 acres

Construction

Property type
Residential
Property subtype
Single Family Residence
Foundation
1,308 sqft
Roof
Asphalt
Year built
1910

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Electric, Natural Gas
Electric
Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision
Tyler & Schutz 2nd Add
HOA
No HOA
School district
Lakeview

Financial & listing details

Annual tax
$2,506 (2025)
Tax with assessments
2556
Listed
Sep 11, 2025
Days on market
382 · 60 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths0
Half baths1
1/4 baths0
BasementFull, Unfinished, Walkout
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryMain Level
AppliancesRefrigerator
DiningEat In Kitchen, Separate/Formal Dining Room
AmenitiesKitchen Center Island, Kitchen Window
AccessibilityNone
Special features4 BR on One Level, Main Floor Laundry

Exterior & lot

RoofAsphalt
Foundation area1,308 sqft
Lot featuresAccessible Shoreline
Road frontageCity Street, Curbs, Paved Streets, Sidewalks
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelElectric, Natural Gas

Parking & garage

ParkingAttached Garage, Concrete
Garage spaces2
Garage size672 sqft

Financial details

Annual taxes$2,506
Tax year2025
Taxes w/ assessments2556
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number1057
District phone5074235164
High schoolLakeview
SODL flat fee brokerage
$3,570Estimated buyer credit
SODL platform fee $3,000Your buyer credit $3,570

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

$1,433/mo
Principal & interest$1,151
Property taxes$209
Home insurance (est.)$73
%
$43,800
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

220 Front Street, Cottonwood, MN, 56229

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Listing information

MLS #NST6785567
StatusPending
Last updatedFeb 3, 2026, 2:47 PM
Originally listedSep 11, 2025, 4:30 PM
Listing officeEdina Realty, Inc.
Co-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.