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12545 Arcola Trl N, Stillwater, MN, 55082

6beds
5baths
6,613sqft
$2,250,000
$340price/sqft
$14,926/moest. monthly cost
$597,040/yrincome needed

About This Home

While each home has its own story to tell, and presents an opportunity for creating lifetime memories, rarely does a home offer the chance to transform the way one lives now and for future generations. Arcola does. Welcome to this stunning 2001 build that sits high on the St. Croix River Bluff while also offering a charming 1940’s era pied-a-terre right on the St. Croix River with two beds, bath, stone fireplace and amazing deck overhanging the river. 270 feet of shoreline round out this amazing estate that’s just minutes from Marine on St. Croix, Stillwater and Hudson. To only focus on beds and baths would do this property a disservice. The reality is there’s something for everyone. The main home sits on 4+ acres and offers stunning wildlife viewing, a fabulous outdoor pool with water features, large firepit and ample space for outdoor activities. Inside you’ll find the usual attributes like chefs kitchen with high-end Viking, Wolf and Subzero appliances. The amazing sunroom off the kitchen and overlooking the pool features a stacked stone fireplace and heated floors. The heated three car garage is oversize for all the cars and toys. The basement features daylight lookout windows, a great family room and full-size wet bar. Upstairs you’ll find a gracious primary suite and additional beds and baths plus a great bunk room over the garage. Two laundry spaces as well (upper and lower levels) round out the main house. Travel 100 yards down the road and head down the hill to your private cabin with boat slip and Soo Line Railroad bridge views. Perfect for seasonal use this spot offers unrivaled relaxation as you watch the river flow by and the seasons change. If you’re looking for a perfect retreat, on one of Minnesota’s most beautiful river settings, but don’t want to be away from all the metro has to offer look no further. This is it. Welcome home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
13
BikeSomewhat Bikeable

Schools

8/10
8/10
Stillwater Middle SchoolGrades 6-86.8 mi
10/10

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Age 8 Years or Less

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Exhaust Fan,Microwave,Range,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Laundry Room,Upper Level

Basement

  • Has basement: Yes
  • Basement: Daylight,Finished,Full,Storage Space

Bedroom

  • Level: Upper
  • Area: 154
  • Dimensions: 14x11

Bedroom2

  • Level: Upper
  • Area: 210
  • Dimensions: 15x14

Bedroom3

  • Level: Upper
  • Area: 156
  • Dimensions: 13x12

Bedroom4

  • Level: Upper
  • Area: 99
  • Dimensions: 11x09

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 5
  • Full bathrooms: 2
  • 3/4 bathrooms: 2
  • 1/2 bathrooms: 1

Deck

  • Level: Upper
  • Area: 580
  • Dimensions: 29x20

Dining Room

  • Level: Main
  • Area: 210
  • Dimensions: 15x14

Exercise Room

  • Level: Lower
  • Area: 154
  • Dimensions: 14x11

Family Room

  • Level: Main
  • Area: 693
  • Dimensions: 33x21

Family Room

  • Level: Lower
  • Area: 696
  • Dimensions: 29x24

Features

  • Number of fireplaces: 3
  • Fireplace features: Family Room,Living Room,Wood Burning
  • Fireplace: Yes
  • Finished area below ground: 1,720
  • Finished area above ground: 4,702

Foyer

  • Level: Main
  • Area: 140
  • Dimensions: 20x07

Game Room

  • Level: Lower
  • Area: 255
  • Dimensions: 17x15

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Informal Dining Room

  • Level: Main
  • Area: 196
  • Dimensions: 14x14

Interior Area

  • Total structure area: 6,613
  • Total interior livable area: 6,613 sqft

Kitchen

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

Laundry

  • Level: Upper
  • Area: 64
  • Dimensions: 08x08

Living Room

  • Level: Main
  • Area: 375
  • Dimensions: 25x15

Loft

  • Level: Upper
  • Area: 625
  • Dimensions: 25x25

Mud Room

  • Level: Main
  • Area: 88
  • Dimensions: 11x08

Office

  • Level: Main
  • Area: 195
  • Dimensions: 15x13

Other

  • Level: Lower
  • Area: 504
  • Dimensions: 24x21

Walk In Closet

  • Level: Upper
  • Area: 81
  • Dimensions: 09x09

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 3203119230011
  • Zoning description: Residential-Single Family
  • Foundation area: 1911

Features

  • Levels: Two
  • Stories: 2
  • Private pool: Yes
  • Pool features: In Ground,Outdoor Pool
  • Patio & porch: Patio,Porch
  • Has view: Yes
  • View description: East
  • On waterfront: Yes
  • Waterfront features: River Front
  • Frontage length: Water Frontage: 275

Lot

  • Lot size: 4.42 Acres
  • Features: Accessible Shoreline,Tree Coverage - Medium
  • Lot size dimensions: 125 x 768 x 270 x 843

Parking

  • Total spaces: 3
  • Parking features: Attached
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

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

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

How This Home’s Risks Compare

Strong Wind
Tornado
Cold Wave
Hail
Inland Flooding
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 $11,377$136,524
Home Insurance *$1,289$15,468
Property Taxes $1,703$20,436
Electricity $557$6,693
Total$14,926$179,112
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$511,748/yr
40% on housing$447,780/yr
45% on housing$398,026/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

$340This listing

vs Other Active Listings

Avg $/sqft

ZIP 55082$227
Washington County$198

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
2026-04-16Listed for sale$2,400,000
2022-07-22Sold$1,875,000
2022-06-20Pending sale$1,900,000
2022-06-02Listed for sale$1,900,000
2022-05-19Listing removed--
2022-04-29Listed for sale$1,899,000
2021-10-15Sold$1,750,000
2021-10-08Pending sale$1,750,000
2021-09-10Listing removed--
2021-08-28Listed for sale$1,750,000
2001-11-26Sold$310,000

For Sale by Agent

AgentArthur D Hays
BrokerageLakes Sotheby's International Realty

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