Pending
$184,900
$126/sqft

Gilberts Add

523 W Mill Street, Paynesville, MN, 56362
2  Bedrooms2  Bathrooms1,462  Square Feet0.18  Acres
Days on market51
Year built1959
Garage spaces3
TypeResidential
Est. $2,547buyer credit when you buy with SODL

About this home

Welcome to 523 Mill St, Paynesville MN!! This charming residence offers classic curb appeal with durable brick siding and newer windows that enhance both energy efficiency and natural light throughout the home. Inside, the layout is warm and functional, providing comfortable living spaces ideal for everyday living. The partially finished basement presents a valuable opportunity for additional living space, with excellent potential to build equity through future customization or expansion. A rare highlight of the property is the inclusion of two garages, offering ample storage, workspace, or protection for multiple vehicles. Well-suited for homeowners or investors seeking long-term value, this property blends comfort, character, and potential in a desirable package.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1959
LevelsOne
Living area1,462 sqft
Above-grade finished1,177 sqft
Below-grade finished285 sqft
Lot size0.18 acres (55x140)
Days on market51
ListedOct 24, 2025
MLS #NST6809100
CountyStearns
SubdivisionGilberts Add
Parcel #70387770000

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 half
Heating
Boiler
Cooling
Wall Unit(s), Window Unit(s)
Appliances
Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer

Property

Levels / stories
One
Garage
3 spaces · 786 sqft
Parking features
Attached Garage, Detached Garage, Asphalt, Multiple Garages
Lot size
0.18 acres
Lot dimensions
55x140
Accessibility
None

Construction

Property type
Residential
Property subtype
Single Family Residence
Foundation
980 sqft
Year built
1959

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas

Community & HOA

Subdivision
Gilberts Add
HOA
No HOA
School district
Paynesville

Financial & listing details

Annual tax
$1,512 (2025)
Listed
Oct 24, 2025
Days on market
51 · 98 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths0
Half baths1
1/4 baths0
BasementBlock, Partially Finished
HeatingBoiler
CoolingWall Unit(s), Window Unit(s)
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer
AccessibilityNone

Exterior & lot

Foundation area980 sqft
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Detached Garage, Asphalt, Multiple Garages
Garage spaces3
Garage size786 sqft

Financial details

Annual taxes$1,512
Tax year2025
Taxes w/ assessments1512
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2248
District phone3202433410
High schoolPaynesville
SODL flat fee brokerage
$2,547Estimated buyer credit
SODL platform fee $3,000Your buyer credit $2,547

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

$1,159/mo
Principal & interest$972
Property taxes$126
Home insurance (est.)$62
%
$36,980
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.

Location

523 W Mill Street, Paynesville, MN, 56362

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Listing information

MLS #NST6809100
StatusPending
Last updatedJan 16, 2026, 3:27 PM
Originally listedOct 30, 2025, 12:00 AM
Listing officeBridge Realty, LLC
Co-listing officeBridge 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.