Listed at
$449,000
$343/sqft

Elmwood Beach

30602 440th Street, Melrose, MN, 56352
2  Bedrooms1  Bathroom1,308  Square Feet1.83  Acres
Days on market165
Year built1920
Garage spaces1
TypeResidential
Est. $10,470buyer credit when you buy with SODL
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About this home

Offered for the first time in over 30 years due to the sellers downsizing, this charming lake home presents a rare opportunity on Big Birch Lake. Set on nearly 2 acres of land with 80 feet of prime north-facing lakeshore, the property offers a peaceful setting and beautiful water views. The home features 2 bedrooms and 1 full bathroom, with an open kitchen and dining area designed to take full advantage of the scenic lakefront. Included with the property are the appliances, as well as the dock and pontoon lift—making it easy to start enjoying lake life right away. Conveniently located just 45 minutes from St. Cloud and Alexandria, and only 90 minutes from the Twin Cities metro area, this property is ideal as a weekend retreat or a full-time residence.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1920
LevelsOne
Living area1,308 sqft
Above-grade finished1,308 sqft
Below-grade finished0 sqft
Lot size1.83 acres (See Survey from 2026)
Days on market165
ListedApr 10, 2026
MLS #NST7047075
CountyStearns
SubdivisionElmwood Beach
Parcel #22132280000

Facts & features

Interior

Bedrooms
2
Bathrooms
1
Bath breakdown
1 full
Heating
Forced Air, Wood Stove
Cooling
None
Appliances
Dryer, Fuel Tank - Owned, Range, Refrigerator, Washer

Property

Levels / stories
One
Garage
1 space · 600 sqft
Parking features
Detached Garage, Asphalt
Patio & porch
Deck, Rear Porch
Exterior features
Vinyl
Other structures
Garage(s), Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block, Combination, Stone · 1,308 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
1920

Utilities

Water
Well
Sewer
Tank with Drainage Field
Fuel
Oil, Wood

Community & HOA

Subdivision
Elmwood Beach
HOA
No HOA
School district
740 - Melrose
High school district
Melrose

Financial & listing details

Annual tax
$3,192 (2025)
Listed
Apr 10, 2026
Days on market
165
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths1
3/4 baths0
Half baths0
1/4 baths0
BasementBlock, Partial
HeatingForced Air, Wood Stove
CoolingNone
Fireplaces1
LaundryMain Level
AppliancesDryer, Fuel Tank - Owned, Range, Refrigerator, Washer
DiningLiving/Dining Room
AccessibilityNo Stairs Internal
Special featuresMain Floor Bedroom

Exterior & lot

ExteriorVinyl
RoofAge 8 Years or Less, Asphalt
FoundationBlock, Combination, Stone
Foundation area1,308 sqft
Patio/porchDeck, Rear Porch
Lot featuresAccessible Shoreline, Tree Coverage - Medium
Road frontagePaved Streets, Township
Road responsibilityPublic Maintained Road
ZoningShoreline,Residential-Single Family

Utilities

Water sourceWell
SewerTank with Drainage Field
FuelOil, Wood

Parking & garage

ParkingDetached Garage, Asphalt
Garage spaces1
Garage size600 sqft

Financial details

Annual taxes$3,192
Tax year2025
Taxes w/ assessments3192
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District740 - Melrose
District number740
District phone3202564224
High schoolMelrose
SODL flat fee brokerage
$10,470Estimated buyer credit
SODL platform fee $3,000Your buyer credit $10,470

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

$2,775/mo
Principal & interest$2,360
Property taxes$266
Home insurance (est.)$150
%
$89,800
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

30602 440th Street, Melrose, MN, 56352

Listing information

MLS #NST7047075
StatusActive
Last updatedSep 3, 2026, 6:53 PM
Originally listedApr 17, 2026, 12:00 AM
Listing officeCentral MN Realty LLC
Co-listing officeCentral MN Realty LLC

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.