Listed at
$379,900
$297/sqft

Cic 242

640 Main Street #42, Stillwater, MN, 55082
2  Bedrooms3  Bathrooms1,278  Square Feet0.19  Acres
Days on market40
Year built2005
Garage spaces2
HOA / month$835
TypeResidential
Est. $8,397buyer credit when you buy with SODL
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About this home

Experience downtown Stillwater living in this distinctive two-level condo offering the space and privacy of a townhome in a highly desirable, walkable location near the St. Croix River. The open main level features a spacious living area, well-appointed kitchen and plenty of room to entertain, plus a flexible bonus room ideal for a home office or overnight guest space. Upstairs, enjoy a spacious private primary suite with St. Croix River views. Located in the heart of historic downtown Stillwater, you can walk to restaurants, boutiques, coffee shops, riverfront parks, trails and the St. Croix River. A private entrance, attached garage and flexible two-level layout make this an ideal primary residence, weekend retreat or lock-and-leave home. HOA dues include heat, water, trash, cable, internet and building insurance, consolidating many typical homeowner expenses into one monthly payment. The association also maintains a healthy reserve fund for future repairs and improvements. A rare opportunity for low-maintenance condo living in Stillwater, MN, with river views and downtown amenities just outside your door.

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Home facts

Property typeResidential
Property subtype(CC) High Rise (4+ Levels)
Year built2005
LevelsTwo
Living area1,278 sqft
Above-grade finished1,278 sqft
Below-grade finished0 sqft
Lot size0.19 acres (8276)
Days on market40
ListedAug 13, 2026
MLS #NST7126087
CountyWashington
SubdivisionCic 242
Parcel #2803020120211

Facts & features

Interior

Bedrooms
2
Bathrooms
3
Bath breakdown
1 full / 1 3/4 / 1 half
Heating
Forced Air
Cooling
Central Air
Appliances
Chandelier, Cooktop, Dishwasher, Dryer, Humidifier, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories
Two
Garage
2 spaces · 400 sqft
Parking features
Assigned, Electric Vehicle Charging Station(s), Guest Parking, Heated Garage, Parking Lot, Paved Lot, Tuckunder Garage, Underground
Patio & porch
Covered, Deck
Exterior features
Stone
View
River

Construction

Property type
Residential
Property subtype
(CC) High Rise (4+ Levels)
Foundation
Block · 878 sqft
Roof
Asphalt
Year built
2005

Utilities

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

Community & HOA

Subdivision
Cic 242
HOA
$835/month
HOA name
COMMUNITY ASSOCIATION GROUP
HOA phone
6513518301
HOA includes
Hazard Insurance, Heating, Lawn Care, Parking, Professional Mgmt, Sanitation, Security System, Snow Removal
HOA amenities
Car Wash, Common Garden, Elevator(s), Lobby Entrance

Financial & listing details

Annual tax
$5,133 (2026)
Tax with assessments
5136
Listed
Aug 13, 2026
Days on market
40 · 331 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths1
3/4 baths1
Half baths1
1/4 baths0
BasementNone
HeatingForced Air
CoolingCentral Air
Fireplaces1
LaundryLaundry Closet, Main Level
AppliancesChandelier, Cooktop, Dishwasher, Dryer, Humidifier, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer
DiningInformal Dining Room
AccessibilityNone
Special featuresMain Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone
RoofAsphalt
FoundationBlock
Foundation area878 sqft
Patio/porchCovered, Deck
Road frontageCity Street, Cul De Sac, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAssigned, Electric Vehicle Charging Station(s), Guest Parking, Heated Garage, Parking Lot, Paved Lot, Tuckunder Garage, Underground
Garage spaces2
Garage size400 sqft

Financial details

Annual taxes$5,133
Tax year2026
Taxes w/ assessments5136
Assessment pendingNo
HOA fee$835
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District834 - Stillwater
District number834
District phone6513518301
High schoolStillwater
SODL flat fee brokerage
$8,397Estimated buyer credit
SODL platform fee $3,000Your buyer credit $8,397

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

$3,386/mo
Principal & interest$1,997
Property taxes$428
Home insurance (est.)$127
HOA fees$835
%
$75,980
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

640 Main Street #42, Stillwater, MN, 55082

Listing information

MLS #NST7126087
StatusActive
Last updatedAug 27, 2026, 10:52 AM
Originally listedAug 20, 2026, 12:00 AM
Listing officeReal Broker, 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.