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 $3,098 (2026).

What school district is this property in?

This property is in the 2859 - Glencoe-Silver Lake 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 49 days.

Listed at

$235,000

$194/sqft

Ruzickas Add

522 Railroad Street, Silver Lake, MN, 55381

2 Bedrooms2 Bathrooms1,214 Square Feet0.4 Acres

Days on market49

Year built1978

Garage spaces2

TypeResidential

Est. $4,050buyer credit when you buy with SODL

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About this home

Don't miss this fantastic opportunity to own a 2-bedroom, 2-bath rambler situated on a large lot in Silver Lake with unfinished basement! This home features low-maintenance steel siding and offers peace of mind with major mechanical updates already completed, including a brand-new furnace, central air conditioner, and water heater in 2025. The spacious 24' x 22' attached insulated and heated garage with knotty pine walls currently features a single overhead door while providing ample space for parking, storage, or a workshop. The full unfinished basement provides endless possibilities to expand your living space—create the family room, additional bedrooms, home office, or recreation area you've always wanted. Located in close proximity to the Luce Line Trail, you'll have easy access for walking or biking to the Crow River Winery and other nearby attractions. Whether you're a first-time homebuyer, looking to downsize, or searching for a home with room to grow, this property offers incredible potential to build equity while making it your own. Garden shed in backyard for all your gardening tools or storage as well. Schedule your showing today!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1978

LevelsOne

Living area1,214 sqft

Above-grade finished1,159 sqft

Below-grade finished55 sqft

Lot size0.4 acres (190x91)

Days on market49

ListedJul 23, 2026

MLS #NST7098390

CountyMcLeod

SubdivisionRuzickas Add

Parcel #190860080

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: None

Property

Levels / stories: One
Garage: 2 spaces · 24x22 · 528 sqft
Parking features: Attached Garage, Electric, Garage Door Opener, Insulated Garage
Patio & porch: Deck
Exterior features: Steel Siding
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block
Foundation: Block · 1,159 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1978

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: Ruzickas Add
HOA: No HOA
School district: 2859 - Glencoe-Silver Lake
High school district: Glencoe-Silver Lake

Financial & listing details

Annual tax: $3,098 (2026)
Listed: Jul 23, 2026
Days on market: 49 · 25 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Full, Storage Space, Sump Basket, Sump Pump, Unfinished

HeatingForced Air

CoolingCentral Air

LaundryIn Basement, Electric Dryer Hookup, Lower Level, Laundry Room, Sink, Washer Hookup

AppliancesNone

DiningKitchen/Dining Room, Living/Dining Room

AmenitiesDeck, Kitchen Window, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special featuresMain Floor Bedroom

Exterior & lot

ExteriorSteel Siding

RoofAge Over 8 Years, Asphalt

FoundationBlock

Foundation area1,159 sqft

Patio/porchDeck

Lot featuresTree Coverage - Medium

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Electric, Garage Door Opener, Insulated Garage

Garage spaces2

Garage size528 sqft

Financial details

Annual taxes$3,098

Tax year2026

Taxes w/ assessments3098

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2859 - Glencoe-Silver Lake

District number2859

District phone3208642498

High schoolGlencoe-Silver Lake

SODL flat fee brokerage

$4,050Estimated buyer credit

SODL platform fee $3,000Your buyer credit $4,050

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

$1,572/mo

Principal & interest$1,235

Property taxes$258

Home insurance (est.)$78

Down payment

$47,000

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.