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 $610 (2025).

What school district is this property in?

This property is in the 2899 - Plainview-Elgin-Millville 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 has been listed for 77 days.

Listed at

$449,900

$191/sqft

655 1st Street

655 1st Street, Elgin, MN, 55932

4 Bedrooms3 Bathrooms2,358 Square Feet0.52 Acres

Days on market77

Year built2025

Garage spaces3

TypeResidential

Est. $10,497buyer credit when you buy with SODL

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About this home

Stunning new construction on a spacious half-acre lot! This beautifully crafted home will feature 4 bedrooms and 3 bathrooms with a finished basement that adds 2 bedrooms, a full bath, and a spacious family room. The open main-level floor plan is ideal for everyday living and entertaining, with premium finishes including custom Amish-built cabinetry, quartz countertops, and stainless steel appliances. The primary suite offers a tiled shower and private retreat feel. Additional highlights include a large 3-car garage, oversized driveway, patio area behind the garage with service door access, and generous outdoor space. Quality craftsmanship, modern amenities, and a move-in ready feel make this home a must-see!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2025

LevelsSplit Entry (Bi-Level)

Living area2,358 sqft

Above-grade finished1,228 sqft

Below-grade finished1,130 sqft

Lot size0.52 acres (75x304)

Days on market77

ListedJul 9, 2026

New constructionYes

MLS #NST7108446

CountyWabasha

Parcel #R190048200

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 3 spaces · 825 sqft
Parking features: Attached Garage, Concrete
Patio & porch: Patio
Exterior features: Other, Vinyl
Lot size: 0.52 acres

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Block · 1,214 sqft
Roof: Age 8 Years or Less, Asphalt
Builder: DALE JECH CONSTRUCTION LLC

Utilities

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

Community & HOA

HOA: No HOA
School district: 2899 - Plainview-Elgin-Millville
High school district: Plainview-Elgin-Millville

Financial & listing details

Annual tax: $610 (2025)
Listed: Jul 9, 2026
Days on market: 77 · 252 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Drain Tiled, Egress Window(s), Finished, Full, Sump Basket

HeatingForced Air

CoolingCentral Air

LaundryIn Basement, Lower Level

AppliancesDishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer

DiningKitchen/Dining Room

AmenitiesKitchen Center Island, Kitchen Window, Main Floor Primary Bedroom, Natural Woodwork, Patio

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom, Primary Bdr Suite

Exterior & lot

ExteriorOther, Vinyl

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,214 sqft

Patio/porchPatio

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete

Garage spaces3

Garage size825 sqft

Financial details

Annual taxes$610

Tax year2025

Taxes w/ assessments610

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District2899 - Plainview-Elgin-Millville

District number2899

District phone5075343651

High schoolPlainview-Elgin-Millville

SODL flat fee brokerage

$10,497Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,497

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

$2,565/mo

Principal & interest$2,364

Property taxes$51

Home insurance (est.)$150

Down payment

$89,980

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.