Find Your Dream Home: Search 10,000+ Homes for Sale

640 Main Street N, 42, Stillwater, MN 55082

$379,900

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 1,278 Lot Size (sq. ft.): 8,276 Status: Active

Current Price: $379,900 List Date: 3/12/2026 Last Modified: 7/08/2026

Overview

Description

“Welcome to 640 Main Street North, right in the heart of Stillwater, known for its historic charm, boutique shopping, incredible dining, riverfront trails, and year-round events that make this town feel alive in every season. This is a two-story condo with soaring ceilings and an open-concept layout that feels light, bright, and expansive the moment you walk in. Natural light pours through the space, and those river views? Absolutely stunning, whether it’s summer boats on the water or winter’s quiet beauty. The main level is ideal for entertaining with seamless flow between kitchen, dining, and living, plus a private deck to enjoy your morning coffee overlooking the St. Croix. Upstairs, you’ll find a spacious primary suite, double vanity, separate tub and shower, and flexible space for your primary bedroom, along with space for a home office. The main flex room can be used for an office, guest suite. With two indoor heated parking spots, EV hookup, and an HOA that covers heat, ... (Read more)

Listing Details MLS# 7026075

General Property Information

Assoc Mgmt Co. Phone #: 651-351-8301
Association Fee Frequency: Monthly
Association Mgmt Co. Name: COMMUNITY ASSOCIATION GROUP
Common Wall: Yes
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: Yes
Waterfront YN: No
Year Built: 2005
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: Yes
Bath Three Quarters: Yes
Main Floor Total SqFt: 878
Above Grd Total SqFt: 1278
Total SqFt: 1278
Total Finished Sqft: 1278.00
FireplaceYN: Yes
Lake/Waterfront Name: Unnamed Lake
Style: (CC) High Rise (4+ Levels)
Foundation Size: 878
Association Fee: 835
Garage Stalls: 2
Lot Dimensions: Common
Acres: 0.19
Assessment Pending: No
Bath Half: 0
Bath Quarter: 0
Below Grd Total SqFt: 0

Property Features

Accessible: None Air Conditioning: Central Air Amenities Shared: Car Wash; Elevator(s); Lobby; Security Building Amenities Unit: Balcony; Indoor Sprinklers; Panoramic View; Primary Bedroom Walk-In Closet; Washer/Dryer Hookup Appliances: Dishwasher; Dryer; Microwave; Range; Refrigerator; Washer Association Fee Includes: Building Exterior; Hazard Insurance; Outside Maintenance; Professional Mgmt; Sanitation; Security System Assumable Loan: Not Assumable Basement: None Bath Description: Main Floor 3/4 Bath; Upper Level Full Bath Construction Status: Previously Owned Dining Room Description: Informal Dining Room Exterior: Brick/Stone; Fiber Board; Shakes Fireplace Characteristics: Gas Burning; Living Room Foundation: Concrete Block Fuel: Natural Gas Heating: Forced Air Laundry: Laundry Closet; Main Level Parking Characteristics: Assigned; Heated Garage; Tuckunder Garage Road Frontage: City Street; Cul De Sac; Paved Streets Road Responsibility: Public Maintained Road Roof: Asphalt Shingles Sellers Terms: Cash; Conventional Sewer: City Sewer/Connected Special Search: Main Floor Laundry Stories: Two Water: City Water/Connected

Contract Information

Contingency: None
Original List Price: 439000
ListPrice: 379900
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 640
Street Name: Main
Street Suffix: Street
Street Direction Suffix: N
Unit Number: 42
Postal City: Stillwater
County: Washington
State: MN
Zip Code: 55082

Assessments

Tax With Assessments: 5092
Assessment Balance: 0

Building Information

Finished SqFt Above Ground: 1278

More Information

Insurance Fee

Insurance Fee: 835
Insurance Fee Frequency: Monthly

Lease Details

Land Leased: Not Applicable

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Office/Member Info

Association: SPAAR

Location, Tax and Other Information

AssocFeeYN: Yes
Legal Description: SUBDIVISIONNAME CIC 242 Units 1-44LOT 42 SUBDIVISIONCD 01475
Listing City: Stillwater
Map Page: 97
Municipality: Stillwater Twp
School District: Stillwater
School District Phone: 651-351-8301
County Abbreviation: 42
Property ID Number: 2803020120211
Tax Year: 2025
Tax Amount: 5092
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: “Welcome to 640 Main Street North, right in the heart of Stillwater, known for its historic charm, boutique shopping, incredible dining, riverfront trails, and year-round events that make this town feel alive in every season. This is a two-story condo with soaring ceilings and an open-concept layout that feels light, bright, and expansive the moment you walk in. Natural light pours through the space, and those river views? Absolutely stunning, whether it’s summer boats on the water or winter’s quiet beauty. The main level is ideal for entertaining with seamless flow between kitchen, dining, and living, plus a private deck to enjoy your morning coffee overlooking the St. Croix. Upstairs, you’ll find a spacious primary suite, double vanity, separate tub and shower, and flexible space for your primary bedroom, along with space for a home office. The main flex room can be used for an office, guest suite. With two indoor heated parking spots, EV hookup, and an HOA that covers heat, Wi-Fi, and cable, this truly is lock-and-leave living — right in one of the most walkable, lifestyle-driven communities in the Twin Cities.”
Directions: Main street to Terra Springs

Accessible

None: Yes

Air Conditioning

Central Air: Yes

Amenities Shared

Car Wash: Yes
Elevator(s): Yes
Lobby: Yes
Security Building: Yes

Amenities Unit

Balcony: Yes
Indoor Sprinklers: Yes
Panoramic View: Yes
Primary Bedroom Walk-In Closet: Yes
Washer/Dryer Hookup: Yes

Appliances

Dishwasher: Yes
Dryer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes

Association Fee Includes

Building Exterior: Yes
Hazard Insurance: Yes
Heating: Yes
Outside Maintenance: Yes
Professional Mgmt: Yes
Sanitation: Yes
Security System: Yes

Assumable Loan

Not Assumable: Yes

Basement

None: Yes

Bath Description

Main Floor 3/4 Bath: Yes
Upper Level Full Bath: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Informal Dining Room: Yes

Exterior

Brick/Stone: Yes
Fiber Board: Yes
Shakes: Yes

Fireplace Characteristics

Gas Burning: Yes
Living Room: Yes

Foundation

Concrete Block: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Lake Details

Lake Depth: No

Laundry

Laundry Closet: Yes
Main Level: Yes

Parking Characteristics

Assigned: Yes
Heated Garage: Yes
Tuckunder Garage: Yes

Patio, Porch and Deck Features

Covered: Yes
Deck: Yes

Restriction/Covenants

Pets - Cats Allowed: Yes
Pets - Dogs Allowed: Yes

Road Frontage

City Street: Yes
Cul De Sac: Yes
Paved Streets: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes

Sewer

City Sewer/Connected: Yes

Special Search

Main Floor Laundry: Yes

Stories

Two: Yes

Water

City Water/Connected: Yes

Room Information

Room Name	Dimensions	Level
Dining Room	11x6	Main
Kitchen	8x10	Main
Living Room	15x13	Main
First (1st) Bedroom	16x24	Upper
Second (2nd) Bedroom	10x10	Main

Listing Office: Real Broker, LLC

Last Updated: July - 08 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.