Does this property have an HOA?

Yes. The HOA fee is $400 per month.

What are the annual property taxes?

Annual property taxes are $3,134 (2025).

What school district is this property in?

This property is in the 727 - Big Lake school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property was listed for 16 days.

No photos available

Sold / Closed

$267,500

Sold price · Closed Oct 22, 2025

$179/sqft

Lake Street Cottages

657 Lake Street N, Big Lake, MN, 55309

3 Bedrooms3 Bathrooms1,480 Square Feet0.05 Acres

Days on market16

Year built2004

Garage spaces2

HOA / month$400

TypeResidential

Est. $4,950buyer credit when you buy with SODL

About this home

Experience comfort and convenience in this beautiful 3 bed, 3 bath townhome just steps from lake access and secluded beach. City park and public access are less than a mile away. Fresh paint and professionally cleaned carpets make it move-in ready. The kitchen features a pantry closet, and the primary suite offers a private bath and walk-in closet. Build equity by finishing the large basement—ideal for adding a 4th bedroom, bathroom, and additional living space. Enjoy walking paths and lake views. Roof replaced in 2023, stove in 2022. Ramp in garage can be removed. Close to schools, restaurants, and churches!

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Home facts

Property typeResidential

Property subtype(TH) Side x Side

Year built2004

LevelsTwo

Living area1,480 sqft

Above-grade finished1,480 sqft

Below-grade finished0 sqft

Lot size0.05 acres (34 x 58)

Days on market16

ListedSep 7, 2025

MLS #NST6784144

CountySherburne

SubdivisionLake Street Cottages

Parcel #65005210405

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: Two
Garage: 2 spaces · 20 x 20 · 400 sqft
Parking features: Attached Garage, Asphalt
Patio & porch: Deck, Front Porch
Exterior features: Vinyl
Fencing: None

Construction

Property type: Residential
Property subtype: (TH) Side x Side
Foundation: Block · 870 sqft
Roof: Age 8 Years or Less, Architectural Shingle
Year built: 2004

Utilities

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

Community & HOA

Subdivision: Lake Street Cottages
HOA: $400/month
HOA name: RowCal
HOA phone: 6512331307
HOA includes: Building Exterior, Hazard Insurance, Lawn Care, Maintenance Grounds, Snow Removal
HOA amenities: In-Ground Sprinkler System

Financial & listing details

Annual tax: $3,134 (2025)
Listed: Sep 7, 2025
Days on market: 16 · 99 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementDrain Tiled, Egress Window(s), Full, Concrete, Unfinished

HeatingForced Air

CoolingCentral Air

LaundryIn Hall, Main Level

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningEat In Kitchen, Informal Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Window, Main Floor Primary Bedroom, Walk-In Closet

AccessibilityWheelchair Ramp(s)

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

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Architectural Shingle

FoundationBlock

Foundation area870 sqft

Patio/porchDeck, Front Porch

Road frontageCity Street

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt

Garage spaces2

Garage size400 sqft

Financial details

Annual taxes$3,134

Tax year2025

Taxes w/ assessments3134

Assessment pendingNo

HOA fee$400

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District727 - Big Lake

District number727

District phone7632625218

High schoolBig Lake

SODL flat fee brokerage

$4,950Estimated buyer credit

SODL platform fee $3,000Your buyer credit $4,950

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

$2,142/mo

Principal & interest$1,393

Property taxes$261

Home insurance (est.)$88

HOA fees$400

Down payment

$53,000

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.