Listed at
$724,900
$216/sqft

Smith Lake Wildlife Estates

981 239th Avenue, Saint Francis, MN, 55070
4  Bedrooms4  Bathrooms3,352  Square Feet2.22  Acres
Days on market21
Year built2005
Garage spaces3
TypeResidential
Est. $18,747buyer credit when you buy with SODL
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About this home

Prepare to fall in love! Tucked into a private 2.22 acre setting surrounded by wildlife, mature trees, beautiful gardens & gorgeous landscaping, this meticulously maintained, quality-built walk-out rambler is something special! From the moment you arrive, there is so much to appreciate! A charming maintenance-free covered front porch with T&G soffit, asphalt driveway with convenient turnaround, impressive landscaped retaining walls installed in 2024 & spectacular views in every direction. Inside, the inviting foyer opens to the great room, where 9' ceilings, a stone-faced fireplace, cherry custom built-ins & a huge picture window showcase the backyard & beyond. Expansive double-hung windows bring the outdoors in, while hickory hardwood floors, rich cherry cabinetry & millwork, solid-panel cherry doors & the switchback staircase add warmth & character throughout the main level. The impressive kitchen offers an abundance of cherry cabinetry, granite tops, a grand two-tier center island, updated stainless appliances, range hood & a Wolf commercial convection range. Just off the kitchen, the dining room opens to the cedar deck (2019) overlooking the beautiful grounds. A convenient mudroom/laundry with front-load washer & dryer, sink & half bath is tucked off the garage entrance. The primary bedroom suite features a tray-vault ceiling & incredible windows that make you feel like you’re sitting among the trees, plus a walk-in closet & private bath with tiled shower & jetted soaking tub. The walk-out lower level offers even more space to gather with a spacious family room, second fireplace, custom built-ins, new LVP flooring installed in 2024, wet bar/kitchenette/dining featuring Italian granite bar, an awesome amusement area & walkout to a huge paver patio (2021) complete with a pizza oven for gatherings & new memories. Two additional bedrooms & a wonderful bath with tile floors, double-sink vanity & the spacious tiled shower with glass-block detail complete the lower level. The generously sized utility room provides plenty of space for the home’s mechanicals, along with a workshop area for hobbies & projects. The oversized heated 3-car garage (34' wide, 26' deep main stall & 30' deep third stall) is impressive all on its own with floor drain, utility sink, workspace with cabinetry, attic storage & extra-tall ceilings. Hardie® siding & trim wrap the home, with the roof & siding new in 2022, along with gutters & gutter guard. A brand-new furnace, central air & air-filtration system were installed in August 2026. The security system offers glass-break protection & an additional control panel in the primary bedroom closet for added peace of mind. Surround sound, central vacuum & lawn irrigation system add even more to the list! Beautifully finished, incredibly private & thoughtfully maintained, this home is filled with spaces inside & out that you’ll truly want to use & enjoy! A truly special place to call your own! We look forward to your visit!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2005
LevelsOne
Living area3,352 sqft
Above-grade finished1,756 sqft
Below-grade finished1,596 sqft
Lot size2.22 acres (199x412x284x416)
Days on market21
ListedSep 4, 2026
MLS #NST7137706
CountyAnoka
SubdivisionSmith Lake Wildlife Estates
Parcel #263424410031

Facts & features

Interior

Bedrooms
4
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air, Zoned
Cooling
Central Air, Zoned
Appliances
Air-To-Air Exchanger, Central Vacuum, Dishwasher, Dryer, Electronic Air Filter, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Rented

Property

Levels / stories
One
Garage
3 spaces · 34x26 · 940 sqft
Parking features
Attached Garage, Asphalt, Concrete, Electric, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Other, Storage
Patio & porch
Composite Decking, Covered, Deck, Front Porch, Patio
Exterior features
Stone, Cedar, Engineered Wood, Other, Shakes
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 1,740 sqft
Roof
Age 8 Years or Less, Architectural Shingle, Pitched
Year built
2005

Utilities

Water
Drilled, Private, Well
Sewer
Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel
Natural Gas
Electric
Circuit Breakers, 200+ Amp Service, Other

Community & HOA

Subdivision
Smith Lake Wildlife Estates
HOA
No HOA
School district
15 - St. Francis
High school district
St. Francis

Financial & listing details

Annual tax
$6,345.52 (2026)
Tax with assessments
6369.54
Listed
Sep 4, 2026
Days on market
21
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Drain Tiled, Finished, Full, Other, Sump Basket, Tile Shower, Walkout
HeatingForced Air, Zoned
CoolingCentral Air, Zoned
Fireplaces2
LaundryGas Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup
AppliancesAir-To-Air Exchanger, Central Vacuum, Dishwasher, Dryer, Electronic Air Filter, ENERGY STAR Qualified Appliances, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Rented
DiningEat In Kitchen, Kitchen/Dining Room, Living/Dining Room
AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Other, Patio, Paneled Doors, Porch, Security System, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Wet Bar, Walk-In Closet
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Cedar, Engineered Wood, Other, Shakes
RoofAge 8 Years or Less, Architectural Shingle, Pitched
FoundationBlock
Foundation area1,740 sqft
Patio/porchComposite Decking, Covered, Deck, Front Porch, Patio
Lot featuresTree Coverage - Medium
Road frontagePaved Streets
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private, Well
SewerPrivate Sewer, Septic System Compliant - Yes, Tank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Concrete, Electric, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Other, Storage
Garage spaces3
Garage size940 sqft

Financial details

Annual taxes$6,345.52
Tax year2026
Taxes w/ assessments6369.54
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District15 - St. Francis
District number15
District phone7637537040
High schoolSt. Francis
SODL flat fee brokerage
$18,747Estimated buyer credit
SODL platform fee $3,000Your buyer credit $18,747

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

$4,580/mo
Principal & interest$3,810
Property taxes$529
Home insurance (est.)$242
%
$144,980
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

981 239th Avenue, Saint Francis, MN, 55070

Listing information

MLS #NST7137706
StatusActive
Last updatedSep 27, 2026, 11:07 AM
Originally listedSep 8, 2026, 12:00 AM
Listing officeRE/MAX Results

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.