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301 3rd St S APT 301, Stillwater, MN, 55082

1beds
2baths
1,612sqft
$389,000
$241price/sqft
$2,738/moest. monthly cost
$109,520/yrincome needed

About This Home

Spacious Top-Floor Living with St. Croix River Views! Experience the perfect blend of size and convenience in this 1,600+ sq. ft. penthouse-level condo. This rare find offers a flexible floor plan that currently features 1 bedroom and 2 baths but can be easily converted into a 2 or 3-bedroom home. The interior boasts an open kitchen concept, a cozy living room fireplace, and a large laundry/office room—all on a single level with no interior stairs. Enjoy your morning coffee on the screened porch with views of the river before heading downtown. Accessibility is a breeze with easy elevator access that takes you directly to your space in the heated indoor garage. Located within easy walking distance to everything Stillwater has to offer—from historic Main Street shopping to world-class dining—this top-floor retreat offers the space of a house with the ultimate "lock-and-leave" lifestyle.

Getting Around

87
WalkingVery Walkable
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

9/10
8/10
Stillwater Middle SchoolGrades 6-80.8 mi
10/10

Construction

Condition

  • Year built: 1980

Type & Style

  • Home type: Condo
  • Property subType: (CC) Low Rise (3- Levels)

Interior

Appliances

  • Appliances included: Dishwasher,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Room,Sink,In Unit,Washer Hookup

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 450
  • Dimensions: 30x15

Bedrooms & Bathrooms

  • Bedrooms: 1
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 221
  • Dimensions: 17x13

Family Room

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Features

  • Number of fireplaces: 2
  • Fireplace features: Gas,Living Room,Primary Bedroom,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,612

Heating & Cooling

  • Heating features: Baseboard
  • Cooling features: Window Unit(s)

Interior Area

  • Total structure area: 1,612
  • Total interior livable area: 1,612 sqft

Kitchen

  • Level: Main
  • Area: 112
  • Dimensions: 14x8

Laundry

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Living Room

  • Level: Main
  • Area: 260
  • Dimensions: 20x13

Screened Porch

  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Property

Accessibility

  • Accessibility features: Doors 36"+,Accessible Elevator Installed,No Stairs Internal

Details

  • Parcel number: 2803020420039
  • Attached to another structure: Yes
  • Zoning description: Residential-Single Family
  • Foundation area: 1612

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Screened
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: River View

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: Common

Parking

  • Total spaces: 1
  • Parking features: Attached,Concrete,Heated Garage,Garage,Storage,Underground
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate
  • Hail
    HailModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Inland Flooding
Strong Wind
Tornado
Cold Wave
Hail
Lightning
Winter Weather

FEMA Declared Disasters in Washington County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,966$23,592
Home Insurance *$222$2,664
Property Taxes $380$4,560
Electricity $170$2,050
Total$2,738$32,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$93,874/yr
40% on housing$82,140/yr
45% on housing$73,013/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.6%
11.6%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$241This listing

vs Other Active Listings

Avg $/sqft

ZIP 55082$231
Washington County$199

vs Homes Sold Last Month

Median $/sqft

ZIP 55082$219
Washington County$201

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-10Listed for sale$389,000
2018-08-01Sold$300,000
2014-06-26Sold$260,000
2014-04-18Price change$249,900
2014-02-14Price change$259,000
2014-01-18Price change$269,000
2013-12-03Price change$299,000
2013-10-25Listing removed$1,699
2013-10-25Listed for sale$309,000
2013-10-17Price change$1,699
2013-09-26Price change$1,725
2013-09-13Listed for rent$1,799
2012-11-02Listing removed$1,800
2012-08-10Listed for rent$1,800
2005-02-07Sold$200,000
1994-05-05Sold$48,000

For Sale by Agent

AgentJoe Walsh
BrokeragePOP Realty MN

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