Listed at
$425,000
$313/sqft

3032 Saint Croix Trail

3032 Saint Croix Trail, Afton, MN, 55001
2  Bedrooms1  Bathroom1,360  Square Feet0.52  Acres
Days on market61
Year built1858
ParkingGravel
TypeResidential
Est. $9,750buyer credit when you buy with SODL
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About this home

**Seller is offering a $3,000 Closing Cost Credit (or Rate Buydown) and free appraisals through a preferred lender. The promotion is available for eligible loans locked by October 23, 2026.** Built in 1858, the same year Minnesota became a state, this historic farmhouse occupies one of the most storied addresses in Afton's Old Village — a rare opportunity to own a pre-statehood Minnesota house in a walkable, riverside historic district. The 1,281-square-foot residence offers 2 bedrooms and 1 bathroom across two levels, with tall original proportions, a layout that has flexed gracefully through nearly two centuries, plus a lower-level room with its own utility space for added flex use. A historically informed exterior color palette — warm beige siding, crisp alabaster trim, and a deep green door — restores the home's presence on the street while preserving its 19th-century character. The main-level family room is generously sized enough to offer single-level living potential: a buyer could convert this space into a main-floor primary suite, reducing the need for stairs while preserving the upstairs bedrooms for guests, family, or a home office. It's a layout option that pairs the home's historic charm with the practicality that today's buyers increasingly lo ok for. What sets this property apart from a typical antique farmhouse is what sits beside it: a 1,000-square-foot heated studio with its own half bath, a Conditional Use Permit (CUP) already on file with the City of Afton, and 5 dedicated parking stalls. This is a genuine live/work opportunity — the kind of home business setup most owners spend years and thousands of dollars pursuing through city approval before they can even begin. Here, it is already in place, well suited to an appointment-based or studio-scale use such as a wellness or massage studio, art studio or maker space, salon or private therapy practice, specialty retail with a workshop, photography or design studio, or professional office. Buyers should confirm directly with the City of Afton exactly what the CUP authorizes before committing it to a specific use. The setting is what makes the opportunity real. Step off the large front porch and you are a tenth of a mile from Afton's village center — coffee, dining, the marina, and the St. Croix River are all within an easy stroll along streets recently rebuilt as part of a multi-million-dollar infrastructure and flood-protection program that included a FEMA-certified levee. This is the same historic district where the 150-year-old Afton House Inn, Selma's Ice Cream Parlor, and a wave of new boutique businesses have chosen to invest in recent years, citing the same walkability and small-town character this property sits in the middle of. The property is served by Afton-Lakeland Elementary, Oak-Land Middle School, and Stillwater Area High School, part of a district whose assigned high school carries a 9-of-10 rating. For a buyer drawn to historic architecture, river towns, or

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1858
LevelsTwo
Living area1,360 sqft
Above-grade finished1,360 sqft
Below-grade finished0 sqft
Lot size0.52 acres (150x150)
Days on market61
ListedJul 28, 2026
MLS #NST7102060
CountyWashington
Parcel #2202820110019

Facts & features

Interior

Bedrooms
2
Bathrooms
1
Bath breakdown
1 full
Heating
Boiler
Cooling
Window Unit(s)
Appliances
Dishwasher, Disposal, Exhaust Fan, Microwave, Range, Refrigerator

Property

Levels / stories
Two
Parking features
Gravel, Parking Lot, Open
Patio & porch
Front Porch, Wrap Around
Exterior features
Wood
Fencing
None
Other structures
Hot Tub, Other, Workshop, Studio, Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Stone · 780 sqft
Roof
Age Over 8 Years
Year built
1858

Utilities

Water
Well
Sewer
Private Sewer
Fuel
Natural Gas
Electric
Circuit Breakers, 100 Amp Service

Community & HOA

HOA
No HOA
School district
834 - Stillwater
High school district
Stillwater

Financial & listing details

Annual tax
$3,158.8 (2026)
Tax with assessments
4002
Listed
Jul 28, 2026
Days on market
61
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths1
3/4 baths0
Half baths0
1/4 baths0
BasementCrawl Space, Partial, Storage Space, Unfinished
HeatingBoiler
CoolingWindow Unit(s)
LaundryMain Level
AppliancesDishwasher, Disposal, Exhaust Fan, Microwave, Range, Refrigerator
DiningLiving/Dining Room, Separate/Formal Dining Room
AmenitiesHardwood Floors, Hot Tub, Kitchen Window, Main Floor Primary Bedroom, Porch
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Laundry

Exterior & lot

ExteriorWood
RoofAge Over 8 Years
FoundationStone
Foundation area780 sqft
Patio/porchFront Porch, Wrap Around
Lot featuresTree Coverage - Heavy
Road frontageCity Street
ZoningBusiness/Commercial,Residential-Single Family

Utilities

Water sourceWell
SewerPrivate Sewer
FuelNatural Gas

Parking & garage

ParkingGravel, Parking Lot, Open
Garage spaces0
Garage size0 sqft

Financial details

Annual taxes$3,158.8
Tax year2026
Taxes w/ assessments4002
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District834 - Stillwater
District number834
District phone6513518301
High schoolStillwater
SODL flat fee brokerage
$9,750Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,750

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

$2,638/mo
Principal & interest$2,234
Property taxes$263
Home insurance (est.)$142
%
$85,000
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

3032 Saint Croix Trail, Afton, MN, 55001

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Listing information

MLS #NST7102060
StatusActive
Last updatedSep 23, 2026, 11:21 PM
Originally listedJul 30, 2026, 12:00 AM
Listing officeColdwell Banker Realty - Southwest Regional
Co-listing officeColdwell Banker Realty - Southwest Regional

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.