Listed at
$199,900
$95/sqft

John E Smiths 1st Add

645 W 3rd Street, Rush City, MN, 55069
4  Bedrooms2  Bathrooms2,114  Square Feet0.162  Acres
Days on market12
Year built1977
Garage spaces2
TypeResidential
Est. $2,997buyer credit when you buy with SODL
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About this home

Space, opportunity, and small-town charm come together in this spacious Rush City home! Offering 4 bedrooms, 2 bathrooms, and a finished lower level, this property delivers the flexibility you've been searching for. Step inside to discover a welcoming living room, generously sized bedrooms, and a kitchen featuring abundant cabinetry and a large pantry that makes storage a breeze. The adjoining dining area opens to a deck, creating the perfect setting for morning coffee, summer grilling, or simply enjoying the outdoors. Downstairs, a spacious family room offers endless possibilities for movie nights, a game room, home office, or additional entertaining space. With a bedroom on the lower level and plenty of storage throughout, there's room for everyone and everything! A detached two-car garage and additional storage shed provide even more convenience. Located near schools, parks, and the community pool, this home offers a wonderful opportunity to add your personal touches and build equity. Bring your vision and make this one your own!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1977
LevelsOne
Living area2,114 sqft
Above-grade finished1,214 sqft
Below-grade finished900 sqft
Lot size0.162 acres (50x150)
Days on market12
ListedSep 15, 2026
MLS #NST7144599
CountyChisago
SubdivisionJohn E Smiths 1st Add
Parcel #170051900

Facts & features

Interior

Bedrooms
4
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Baseboard, Boiler
Cooling
Wall Unit(s)
Laundry
Lower Level, Laundry Room

Property

Levels / stories
One
Garage
2 spaces · 592 sqft
Parking features
Detached Garage, Concrete
Patio & porch
Deck, Patio
Exterior features
Cement Board, Vinyl
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,214 sqft
Roof
Asphalt
Year built
1977

Utilities

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

Community & HOA

Subdivision
John E Smiths 1st Add
HOA
No HOA
School district
139 - Rush City
High school district
Rush City

Financial & listing details

Annual tax
$2,662 (2025)
Tax with assessments
2696
Listed
Sep 15, 2026
Days on market
12 · 50 cumulative
Lender owned
Yes
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementEgress Window(s), Finished, Full
HeatingBaseboard, Boiler
CoolingWall Unit(s)
LaundryLower Level, Laundry Room
DiningLiving/Dining Room
AccessibilityNone
Special features3 BR on One Level

Exterior & lot

ExteriorCement Board, Vinyl
RoofAsphalt
FoundationBlock
Foundation area1,214 sqft
Patio/porchDeck, Patio
Lot featuresTree Coverage - Medium
Road frontageCity Street, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Concrete
Garage spaces2
Garage size592 sqft

Financial details

Annual taxes$2,662
Tax year2025
Taxes w/ assessments2696
Assessment pendingNo
Down payment resourceYes
Lender ownedYes
Short saleNo
ForeclosureNo

Schools

District139 - Rush City
District number139
District phone3203584855
High schoolRush City
SODL flat fee brokerage
$2,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $2,997

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

$1,339/mo
Principal & interest$1,051
Property taxes$222
Home insurance (est.)$67
%
$39,980
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

645 W 3rd Street, Rush City, MN, 55069

Listing information

MLS #NST7144599
StatusActive
Last updatedSep 17, 2026, 10:09 AM
Originally listedSep 16, 2026, 9:19 AM
Listing officeRE/MAX Advantage Plus
Co-listing officeRE/MAX Advantage Plus

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.