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 $6,960 (2025).

What school district is this property in?

This property is in the 911 - Cambridge-Isanti 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 was listed for 211 days.

No photos available

Sold / Closed

$600,000

Sold price · Closed Aug 7, 2026

$191/sqft

Bridgewater Third Add

563 Elins Lake Road SE, Cambridge, MN, 55008

4 Bedrooms3 Bathrooms3,135 Square Feet0.47 Acres

Days on market211

Year built2015

Garage spaces3

TypeResidential

Est. $14,970buyer credit when you buy with SODL

About this home

Welcome to your DREAM HOME on Elms Lake! This stunning one-level property offers the perfect blend of comfort, style, and true Minnesota lake living. Featuring 4 bedrooms, 3 bathrooms, and a 3-car garage, the home is thoughtfully designed for both functionality and beauty. Enjoy two spacious living areas, each with its own fireplace—ideal for relaxing or entertaining. The lower-level family room includes a large wet bar, perfect for gatherings and game nights. Recent updates include all new flooring throughout, providing a fresh, modern feel. The home also features a work-from-home office with lake views and a large mudroom for everyday convenience. Step outside to the screened-in porch and deck overlooking peaceful Elms Lake—perfect for enjoying your morning coffee or evening sunsets. Outdoor enthusiasts will appreciate the ability to duck hunt right out back, as well as the connection between Elms Lake and Florence Lake via a low-water channel. The property includes a garden area and a locked, secure storage space for tools, equipment, or outdoor gear. A private dock offers easy access for boating, fishing, or simply enjoying the serene water views. This well-maintained home combines quality updates, generous space, and the best of lakeside living.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2015

LevelsOne

Living area3,135 sqft

Above-grade finished1,780 sqft

Below-grade finished1,355 sqft

Lot size0.47 acres (120x120x100x100)

Days on market211

ListedOct 10, 2025

MLS #NST6802855

CountyIsanti

SubdivisionBridgewater Third Add

Parcel #151670380

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 1 full / 2 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Humidifier, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 752 sqft
Parking features: Attached Garage, Asphalt, Garage Door Opener, Insulated Garage
Patio & porch: Deck, Patio, Porch, Rear Porch, Screened
Exterior features: Stone, Metal, Shakes, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Concrete, Frame
Foundation: 8 ft+ Pour · 1,485 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 2015

Utilities

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

Community & HOA

Subdivision: Bridgewater Third Add
HOA: No HOA
School district: 911 - Cambridge-Isanti
High school district: Cambridge-Isanti

Financial & listing details

Annual tax: $6,960 (2025)
Listed: Oct 10, 2025
Days on market: 211
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths2

Half baths0

1/4 baths0

BasementDaylight/Lookout Windows, Drain Tiled, Finished, Concrete, Storage Space, Sump Basket, Sump Pump, Walkout

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces2

LaundryElectric Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup

AppliancesAir-To-Air Exchanger, Cooktop, Dishwasher, Disposal, Dryer, Exhaust Fan, Freezer, Humidifier, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

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

AmenitiesCable, Ceiling Fan(s), Deck, Dock, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Paneled Doors, Porch, Panoramic View, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Metal, Shakes, Vinyl

RoofAge Over 8 Years, Asphalt

Foundation8 ft+ Pour

Foundation area1,485 sqft

Patio/porchDeck, Patio, Porch, Rear Porch, Screened

Lot featuresAccessible Shoreline, Tree Coverage - Medium

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Garage Door Opener, Insulated Garage

Garage spaces3

Garage size752 sqft

Financial details

Annual taxes$6,960

Tax year2025

Taxes w/ assessments6960

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District911 - Cambridge-Isanti

District number911

District phone7636896188

High schoolCambridge-Isanti

SODL flat fee brokerage

$14,970Estimated buyer credit

SODL platform fee $3,000Your buyer credit $14,970

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

$3,928/mo

Principal & interest$3,148

Property taxes$580

Home insurance (est.)$200

Down payment

$119,800

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.