Pending
$430,000
$297/sqft

Cic 227

620 Main Street #102, Stillwater, MN, 55082
2  Bedrooms2  Bathrooms1,447  Square Feet0.259  Acres
Days on market18
Year built2005
Garage spaces1
HOA / month$623
TypeResidential
Est. $9,900buyer credit when you buy with SODL

About this home

Enjoy the best of Stillwater living in sought-after Terra Springs, just a short walk from historic downtown, restaurants, shops, trails and the St. Croix River! This east-facing, first-floor condo offers the rare convenience of direct access from the spacious deck to the parking area, overnight parking allowed! Inside, the main level features newer LVP flooring, a generous kitchen with stainless steel appliances, quartz countertops and backsplash, informal dining, and a comfortable living room anchored by a custom electric fireplace. Step outside to the large, recently sealed and epoxied deck—perfect for relaxing or entertaining. The natural gas line to patio adds to the ease of grilling. A convenient half bath completes the main level. Upstairs you’ll find two spacious bedrooms, both with walk-in closets, an updated full bath with in-unit laundry, and a versatile bonus loft ideal for additional sleeping with included Murphy bed, home office, reading nook or additional living space. Additional highlights include newer siding and roof, secure building entry, heated underground parking, community garden space and nearby walking trails. Terra Springs is known for its beautiful setting and well-managed HOA, with dues covering many everyday expenses. A fantastic opportunity to enjoy low-maintenance living just minutes from everything downtown Stillwater has to offer!

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Home facts

Property typeResidential
Property subtype(CC) High Rise (4+ Levels)
Year built2005
LevelsTwo
Living area1,447 sqft
Above-grade finished1,447 sqft
Below-grade finished0 sqft
Lot size0.259 acres (Common)
Days on market18
ListedSep 11, 2026
MLS #NST7140515
CountyWashington
SubdivisionCic 227
Parcel #2803020120116

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 3/4 / 1 half
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Appliances
Dishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories
Two
Garage
1 space · 0
Parking features
Assigned, Floor Drain, Garage Door Opener, Heated Garage, Parking Garage, Underground
Patio & porch
Deck
Exterior features
Stone, Cement Board
Pool
None

Construction

Property type
Residential
Property subtype
(CC) High Rise (4+ Levels)
Foundation
None · 1,447 sqft
Roof
Age 8 Years or Less
Year built
2005

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Cic 227
HOA
$623/month
HOA name
Community Association Group
HOA phone
6518820400
HOA includes
Building Exterior, Cable TV, Controlled Access, Hazard Insurance, Internet, Lawn Care, Maintenance Grounds, Parking, Professional Mgmt, Sanitation, Sewer, Snow Removal, Water
HOA amenities
Elevator(s), Fire Sprinkler System, Lobby Entrance

Financial & listing details

Annual tax
$4,729 (2026)
Tax with assessments
4732
Listed
Sep 11, 2026
Days on market
18
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths0
3/4 baths1
Half baths1
1/4 baths0
BasementNone
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
LaundryUpper Level
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Stainless Steel Appliances
DiningInformal Dining Room
AmenitiesDeck, Intercom System, Indoor Sprinklers, Washer/Dryer Hookup
AccessibilityAccessible Elevator Installed

Exterior & lot

ExteriorStone, Cement Board
RoofAge 8 Years or Less
FoundationNone
Foundation area1,447 sqft
Patio/porchDeck
Road frontageCity Street, Paved Streets, Sidewalks
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAssigned, Floor Drain, Garage Door Opener, Heated Garage, Parking Garage, Underground
Garage spaces1
Garage size0 sqft

Financial details

Annual taxes$4,729
Tax year2026
Taxes w/ assessments4732
Assessment pendingUnknown
HOA fee$623
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District834 - Stillwater
District number834
District phone6513518301
High schoolStillwater
SODL flat fee brokerage
$9,900Estimated buyer credit
SODL platform fee $3,000Your buyer credit $9,900

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

$3,420/mo
Principal & interest$2,260
Property taxes$394
Home insurance (est.)$143
HOA fees$623
%
$86,000
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.

Location

620 Main Street #102, Stillwater, MN, 55082

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Listing information

MLS #NST7140515
StatusPending
Last updatedSep 29, 2026, 1:11 PM
Originally listedSep 11, 2026, 8:55 AM
Listing officeWelcome Home Productions, LLC
Co-listing officeWelcome Home Productions, 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.