Lori Gustafson

640 Main Street N # 42

Stillwater, MN
$ 379,900 Beds 2 Baths 2.5 Sq 1,278
Monthly Estimate* How much can I afford?

Experience downtown Stillwater living in this distinctive two-level condo offering the space and privacy of a townhome in a highly desirable, walkable location near the St. Croix River. The open main level features a spacious living area, well-appointed kitchen and plenty of room to entertain, plus a flexible bonus room ideal for a home office or overnight guest space. Upstairs, enjoy a spacious private primary suite with St. Croix River views. Located in the heart of historic downtown Stillwater, you can walk to restaurants, boutiques, coffee shops, riverfront parks, trails and the St. Croix River. A private entrance, attached garage and flexible two-level layout make this an ideal primary residence, weekend retreat or lock-and-leave home. HOA dues include heat, water, trash, cable, internet and building insurance, consolidating many typical homeowner expenses into one monthly payment. The association also maintains a healthy reserve fund for future repairs and improvements. A rare opportunity for low-maintenance condo living in Stillwater, MN, with river views and downtown amenities just outside your door.

Single Family

  • Price
  • $ 379,900
  • City
  • Stillwater
  • Bedrooms
  • 2
  • Full Bathrooms
  • 2
  • County
  • WASHINGTON
  • Half Bathrooms
  • 1
  • Area
  • Cic 242
  • Lot Size
  • 0.19 Acres
  • Zip
  • 55082
  • Sqr Footage
  • 1,278
  • Year Built
  • 2005
  • Taxes
  • $ 5133
  • Style
  • (CC) High Rise (4+ Levels)
  • MLS#
  • 7126087
Listed By: Real Broker, LLC
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 1278
Sewer City Sewer/Connected
Heating Forced Air
Cooling Central Air
Roof Asphalt
Appliances Chandelier,Cooktop,Dishwasher,Dryer,Humidifier,Microwave,Range,Refrigerator,Stainless Steel Appliances,Washer
HOA Fee 835
Garage Spaces 2
Association Fee Includes Hazard Insurance,Heating,Lawn Care,Parking,Professional Mgmt,Sanitation,Security System,Snow Removal
Year Built 2005
View River
Levels Two
Unit Number 42
Property Subtype (CC) High Rise (4+ Levels)
Tax Year 2026
Waterfront Features River View
Accessibility None
Assoc Fee Paid Per Monthly
County Washington
New Construction No
Property Type Residential
Association Amenities Car Wash,Common Garden,Elevator(s),Lobby Entrance
HOA Yes
Contingency None
Subdivision Name Cic 242
Full Baths 1
Directions Main St to 640 #42
City Stillwater
Association Name COMMUNITY ASSOCIATION GROUP
High School District Stillwater
Zoning Description Residential-Single Family
Lot Size Units Acres
Property Attached Y/N Yes
Land Lease Y/N No
Tax Annual Amount 5133
Additional Parcels Y/N No
Standard Status Active
Lender Owned No
PostalCity Stillwater

Interior Features

Basement None
Total Fireplaces 1
Fireplace Features Gas
Basement (Y/N) No
Fireplace Y/N Yes
Above Grade Finished Area 1278
Half Baths 1
3/4 Baths 1
Laundry Features Laundry Closet,Main Level
Total Bedrooms 2
Total Baths 3
Bath Desc Double Sink,Bathroom Ensuite,Main Floor 3/4 Bath
Dining Room Description Informal Dining Room
Fuel Natural Gas
Garage Square Feet 400

Exterior Features

Parking Features Assigned,Electric Vehicle Charging Station(s),Guest Parking,Heated Garage,Parking Lot,Paved Lot,Tuckunder Garage,Underground
Water Source City Water/Connected
Lot Size Area 0.19
Building Area Total 1278
Lot Dimensions 8276
Waterfront Y/N No
Foundation Area 878
Road Frontage Type City Street,Cul De Sac,Paved Streets
Road Responsibility Public Maintained Road

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

8/13/2026 Listed $379,900

Property vs Zip Code Average in 55082

Price
AVG $920K
$380K
Taxes
AVG $6,527
$5,133
Year Built
AVG 1985
2005
Visits
AVG 82
11
Data Provided by Inside Real Estate®

Areas That We Cover

640 Main Street N # 42 Stillwater, MN is a Single Family Home for sale at $379900 with 1278 sqft and a lot size of 0.19 Acres Acre(s). 640 Main Street N # 42 Stillwater has 2 bedrooms, 2 baths and was built in 2005. The property's zip code is 55082 which is in Stillwater, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Lori Gustafson

Lori Gustafson

Broker Associate/Sales Agent

507-323-4348

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