Listed at
$320,000
$98/sqft

Orchard Terrace

295 Orchard Court, Howard Lake, MN, 55349
4  Bedrooms3  Bathrooms3,268  Square Feet0.156  Acres
Days on market4
Year built2001
Garage spaces2
HOA / month$400
TypeResidential
Est. $6,600buyer credit when you buy with SODL
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About this home

Peaceful views, spacious living, and a fantastic outdoor space! This Howard Lake home features a large kitchen with abundant cabinetry and center island, an open living area, spacious bedrooms, and a bright room with a fireplace and expansive windows overlooking the surrounding landscape. The finished lower level offers a large recreation room, stone fireplace, and built-in cabinetry. Outside, enjoy an expansive deck with beautiful pond and wetland views. The attached garage provides plenty of room for vehicles and storage. A great opportunity to enjoy comfortable living in a peaceful setting!

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Home facts

Property typeResidential
Property subtype(TH) Side x Side
Year built2001
LevelsOne
Living area3,268 sqft
Above-grade finished1,912 sqft
Below-grade finished1,356 sqft
Lot size0.156 acres (22x124x71x120)
Days on market4
ListedSep 24, 2026
MLS #NST7150053
CountyWright
SubdivisionOrchard Terrace
Parcel #109040001100

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
1 full / 2 3/4
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One
Garage
2 spaces · 24x21 · 534 sqft
Parking features
Attached Garage, Concrete, Electric, Finished Garage, Insulated Garage, Storage
Patio & porch
Deck, Enclosed, Front Porch, Patio, Rear Porch
Exterior features
Stone, Stucco
Fencing
None

Construction

Property type
Residential
Property subtype
(TH) Side x Side
Construction materials
Frame
Foundation
Block · 1,629 sqft
Year built
2001

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
150 Amp Service

Community & HOA

Subdivision
Orchard Terrace
HOA
$400/month
HOA name
Orchard Terrace HOA
HOA phone
6124834526
HOA includes
Building Exterior, Hazard Insurance, Lawn Care, Maintenance Grounds, Snow Removal
School district
2687 - Howard Lake-Waverly-Winsted

Financial & listing details

Annual tax
$4,738 (2025)
Listed
Sep 24, 2026
Days on market
4 · 6 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths2
Half baths0
1/4 baths0
BasementDaylight/Lookout Windows, Finished, Full, Storage Space, Sump Pump, Walkout
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces3
LaundryMain Level
AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningBreakfast Bar, Informal Dining Room, Kitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Security System, Sun Room, Vaulted Ceiling(s), Walk-In Closet
AccessibilityGrab Bars In Bathroom
Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Stucco
FoundationBlock
Foundation area1,629 sqft
Patio/porchDeck, Enclosed, Front Porch, Patio, Rear Porch
Road frontageCul De Sac, No Outlet/Dead End
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Electric, Finished Garage, Insulated Garage, Storage
Garage spaces2
Garage size534 sqft

Financial details

Annual taxes$4,738
Tax year2025
Taxes w/ assessments4738
Assessment pendingUnknown
HOA fee$400
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District2687 - Howard Lake-Waverly-Winsted
District number2687
District phone3205433521
High schoolHoward Lake-Waverly-Winsted
SODL flat fee brokerage
$6,600Estimated buyer credit
SODL platform fee $3,000Your buyer credit $6,600

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

$2,583/mo
Principal & interest$1,682
Property taxes$395
Home insurance (est.)$107
HOA fees$400
%
$64,000
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

295 Orchard Court, Howard Lake, MN, 55349

Listing information

MLS #NST7150053
StatusActive
Last updatedSep 25, 2026, 10:12 AM
Originally listedSep 24, 2026, 2:33 PM
Listing officeKris Lindahl Real Estate

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.