Listed at
$229,900
$191/sqft

Chladek Homesites 2nd Add

681 Elm Street, Paynesville, MN, 56362
2  Bedrooms2  Bathrooms1,202  Square Feet0.35  Acres
Days on market30
Year built1983
Garage spaces2
TypeResidential
Est. $3,897buyer credit when you buy with SODL
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About this home

Welcome to 681 Elm Street in Paynesville! This well-maintained 2-bedroom, 2-bath home sits on a corner lot right next to the Paynesville baseball field, offering a great location and plenty of outdoor space. The fully fenced backyard features a newer pergola and a backyard firepit. The garage was recently fully finished with pine walls, insulation, drywall, and a new $8,000 mini-split system providing both heat and A/C year-round. The home also includes an unfinished basement with a bonus room and additional space, giving you plenty of potential to finish it off to make it your own! Numerous updates have been completed over the years, including a new roof, deck, furnace, garage windows, siding improvements, shutters, appliances, doors, and more. With its convenient location, thoughtful updates, finished garage, and basement potential, this is a great opportunity in Paynesville!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1983
LevelsOne
Living area1,202 sqft
Above-grade finished1,202 sqft
Below-grade finished0 sqft
Lot size0.35 acres (108x140)
Days on market30
ListedAug 29, 2026
MLS #NST7134187
CountyStearns
SubdivisionChladek Homesites 2nd Add
Parcel #70387390000

Facts & features

Interior

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

Property

Levels / stories
One
Garage
2 spaces · 576 sqft
Parking features
Attached Garage, Covered, Asphalt, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Parking Garage
Patio & porch
Deck, Patio
Exterior features
Fiber Board
Fencing
Chain Link, Full

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block
Foundation
Block · 1,234 sqft
Year built
1983

Utilities

Water
City Water/Connected
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
100 Amp Service

Community & HOA

Subdivision
Chladek Homesites 2nd Add
HOA
No HOA
School district
741 - Paynesville
High school district
Paynesville

Financial & listing details

Annual tax
$1,916 (2026)
Listed
Aug 29, 2026
Days on market
30 · 8 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Storage Space, Sump Pump, Unfinished
HeatingForced Air
CoolingCentral Air
LaundryIn Basement, Gas Dryer Hookup, Lower Level, Laundry Room, Washer Hookup
AppliancesCooktop, Dryer, Gas Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned
DiningKitchen/Dining Room
AmenitiesMain Floor Primary Bedroom, Natural Woodwork
AccessibilityOther
Special featuresMain Floor Primary, Main Floor Bedroom

Exterior & lot

ExteriorFiber Board
FoundationBlock
Foundation area1,234 sqft
Patio/porchDeck, Patio
Lot featuresCorner Lot, Tree Coverage - Light
Road frontageCity Street, Paved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Covered, Asphalt, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Parking Garage
Garage spaces2
Garage size576 sqft

Financial details

Annual taxes$1,916
Tax year2026
Taxes w/ assessments1916
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District741 - Paynesville
District number741
District phone3202433410
High schoolPaynesville
SODL flat fee brokerage
$3,897Estimated buyer credit
SODL platform fee $3,000Your buyer credit $3,897

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

$1,445/mo
Principal & interest$1,208
Property taxes$160
Home insurance (est.)$77
%
$45,980
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

681 Elm Street, Paynesville, MN, 56362

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Listing information

MLS #NST7134187
StatusPending
Last updatedSep 7, 2026, 1:39 AM
Originally listedAug 29, 2026, 9:58 AM
Listing officeCentral MN Realty 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.