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 $3,882 (2025).

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 2-car garage.

How long has this property been on the market?

This property has been listed for 161 days.

Listed at

$424,900

$170/sqft

West Oaks 3

4605 Echo Lane, Stacy, MN, 55079

4 Bedrooms3 Bathrooms2,494 Square Feet3.228 Acres

Days on market161

Year built1976

Garage spaces2

TypeResidential

Est. $9,747buyer credit when you buy with SODL

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About this home

Welcome to this impeccably maintained split-level home, perfectly situated on a sprawling 3-acre lot in a highly desirable Stacy neighborhood. Offering 2,494 finished square feet of living space, this residence combines peace and privacy with modern updates and "like-new" quality. Key Interior Highlights Spacious Layout: Featuring 4 comfortable bedrooms and multiple living areas, including a 30x16 lower-level family room. Primary Suite: The owner's bedroom serves as a true retreat, complete with a walk-in closet and a convenient 1/2 bath ensuite. Modern Touches: Enjoy fresh aesthetics throughout with new fixtures and a home that shows in excellent condition. Exceptional Infrastructure & Exterior. Mechanical Peace of Mind: Rest easy knowing the home features a brand-new boiler and a newer roof. Garage & Storage: The attached 2-car garage is fully insulated, supplemented by an additional storage shed for all your tools and toys. Outdoor Living: The massive 3-acre lot provides endless opportunities for gardening, recreation, or simply enjoying the serene Minnesota landscape.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1976

LevelsSplit Entry (Bi-Level)

Living area2,494 sqft

Above-grade finished1,494 sqft

Below-grade finished1,000 sqft

Lot size3.228 acres (474x204x252x211x107x126)

Days on market161

ListedApr 20, 2026

MLS #NST7057914

CountyChisago

SubdivisionWest Oaks 3

Parcel #050069400

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 1 full / 1 3/4 / 1 half
Heating: Baseboard, Boiler, Fireplace(s), Hot Water, Radiant
Cooling: Ductless Mini-Split
Appliances: Dishwasher, Dryer, Freezer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 2 spaces · 576 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener, Insulated Garage
Patio & porch: Deck
Exterior features: Wood
Fencing: Chain Link, Full

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 1,494 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1976

Utilities

Water: Drilled, Private
Sewer: Private Sewer, Tank with Drainage Field
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: West Oaks 3
HOA: No HOA
School district: 138 - North Branch
High school district: North Branch

Financial & listing details

Annual tax: $3,882 (2025)
Tax with assessments: 3930
Listed: Apr 20, 2026
Days on market: 161 · 20 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths1

Half baths1

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Finished, Full, Storage Space

HeatingBaseboard, Boiler, Fireplace(s), Hot Water, Radiant

CoolingDuctless Mini-Split

Fireplaces2

LaundryElectric Dryer Hookup, Lower Level, Laundry Room, Washer Hookup

AppliancesDishwasher, Dryer, Freezer, Microwave, Range, Refrigerator, Washer

DiningEat In Kitchen, Informal Dining Room, Living/Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Window

AccessibilityNone

Exterior & lot

ExteriorWood

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,494 sqft

Patio/porchDeck

Lot featuresIrregular Lot

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private

SewerPrivate Sewer, Tank with Drainage Field

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener, Insulated Garage

Garage spaces2

Garage size576 sqft

Financial details

Annual taxes$3,882

Tax year2025

Taxes w/ assessments3930

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

$9,747Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,747

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

$2,698/mo

Principal & interest$2,233

Property taxes$324

Home insurance (est.)$142

Down payment

$84,980

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.