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 $4,636 (2025).

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 has been listed for 224 days.

Listed at

$244,900

$94/sqft

Citizens Add

820 3rd Street, Elbow Lake, MN, 56531

3 Bedrooms2 Bathrooms2,606 Square Feet1 Acres

Days on market224

Year built1990

Garage spaces2

TypeResidential

Est. $4,347buyer credit when you buy with SODL

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About this home

Spacious 3 bed, 2 bath home in a prime location right across from the athletic park! This property offers tons of living space with a large finished basement featuring an impressive 18-foot oak bar — perfect for entertaining. Garage doors are brand new! They were just installed in January 2026. The home includes durable steel siding, custom cabinetry, and updated vinyl flooring throughout. Whether you're looking for room to spread out or a great entertaining setup, this home delivers comfort, function, and convenience in one great package.

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1990

LevelsOne

Living area2,606 sqft

Above-grade finished1,600 sqft

Below-grade finished1,006 sqft

Lot size1 acres (1x1)

Days on market224

ListedFeb 16, 2026

MLS #NST7022150

CountyGrant

SubdivisionCitizens Add

Parcel #190460000

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Dishwasher, Dryer, Microwave, Refrigerator, Stainless Steel Appliances, Washer

Property

Levels / stories: One
Garage: 2 spaces · 30x26 · 672 sqft
Parking features: Attached Garage, Insulated Garage
Pool: Above Ground
Lot size: 1 acres
Lot dimensions: 1x1

Construction

Property type: Residential
Property subtype: Single Family Residence
Foundation: 2,272 sqft
Year built: 1990

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Electric, Propane

Community & HOA

Subdivision: Citizens Add
HOA: No HOA
School district: West Central Area

Financial & listing details

Annual tax: $4,636 (2025)
Listed: Feb 16, 2026
Days on market: 224 · 13 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementBlock

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesDishwasher, Dryer, Microwave, Refrigerator, Stainless Steel Appliances, Washer

AccessibilityNone

Exterior & lot

Foundation area2,272 sqft

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelElectric, Propane

Parking & garage

ParkingAttached Garage, Insulated Garage

Garage spaces2

Garage size672 sqft

Financial details

Annual taxes$4,636

Tax year2025

Taxes w/ assessments4636

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1123

District phone3205282650

High schoolWest Central Area

SODL flat fee brokerage

$4,347Estimated buyer credit

SODL platform fee $3,000Your buyer credit $4,347

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

$1,755/mo

Principal & interest$1,287

Property taxes$386

Home insurance (est.)$82

Down payment

$48,980

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.