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 $4,870 (2026).

What school district is this property in?

This property is in the 138 - North Branch 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 1 day.

Listed at

$439,900

$228/sqft

Ellenderry Hills 2

40818 Finley Road, North Branch, MN, 55056

3 Bedrooms2 Bathrooms1,931 Square Feet2.393 Acres

Days on market1

Year built1996

Garage spaces3

TypeResidential

Est. $10,197buyer credit when you buy with SODL

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About this home

Welcome to your own private lakeside retreat! Nestled on 2.5 acres with 160 feet of private lakeshore, this beautifully updated 3-level split offers the perfect setting to enjoy life on the water. Spend your days kayaking, paddleboarding, or simply taking in the peaceful lake views from your own backyard. Inside, the home feels fresh and inviting with new flooring, paint, lighting, and appliances throughout. Major updates including the roof, water softener, washer & dryer, water heater, and drainfield add even more to appreciate. Two bedrooms are located upstairs, with an additional bedroom in the lower level. A 3-stall attached garage provides plenty of space for vehicles, lake toys, and more. With acreage, private lakeshore, and beautiful updates, this is one you won’t want to miss!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1996

LevelsThree Level Split

Living area1,931 sqft

Above-grade finished1,183 sqft

Below-grade finished748 sqft

Lot size2.393 acres (178x160x695x614)

Days on market1

ListedOct 2, 2026

MLS #NST7153476

CountyChisago

SubdivisionEllenderry Hills 2

Parcel #110086189

Facts & features

Interior

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

Property

Levels / stories: Three Level Split
Garage: 3 spaces · 26x22 · 572 sqft
Parking features: Attached Garage
Patio & porch: Deck
Exterior features: Metal, Vinyl
Waterfront: Lake Front

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,183 sqft
Year built: 1996

Utilities

Water: Well
Sewer: Private Sewer
Fuel: Natural Gas

Community & HOA

Subdivision: Ellenderry Hills 2
HOA: No HOA
School district: 138 - North Branch
High school district: North Branch

Financial & listing details

Annual tax: $4,870 (2026)
Tax with assessments: 4920
Listed: Oct 2, 2026
Days on market: 1
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementFull, Walkout

HeatingForced Air

CoolingCentral Air

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

AccessibilityNone

Exterior & lot

ExteriorMetal, Vinyl

FoundationBlock

Foundation area1,183 sqft

Patio/porchDeck

Lot featuresTree Coverage - Medium

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerPrivate Sewer

FuelNatural Gas

Parking & garage

ParkingAttached Garage

Garage spaces3

Garage size572 sqft

Financial details

Annual taxes$4,870

Tax year2026

Taxes w/ assessments4920

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District138 - North Branch

District number138

District phone6516741000

High schoolNorth Branch

SODL flat fee brokerage

$10,197Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,197

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.

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

$2,864/mo

Principal & interest$2,312

Property taxes$406

Home insurance (est.)$147

Down payment

$87,980

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.