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501 Main St N Suite 202, Stillwater, MN, 55082

2beds
2baths
1,340sqft
$620,000
$463price/sqft
$4,298/moest. monthly cost
$171,920/yrincome needed

About This Home

Exceptional opportunity in The Lofts of Stillwater [501 Main Street N] located along the St. Croix River and just steps from the heart of downtown Stillwater. Unit 202 is a 2BD/2BA/2Gar unit on the south side of the building offering views of the historic Lift Bridge, the new Stillwater Crossing Bridge, the riverfront, and of course surrounded by the the charm and character of the historic buildings of Stillwater’s Main Street. This warm, welcoming home is filled with natural light streaming through the tall south facing windows. Appreciate the newer engineered wood floors throughout the entire unit complementing the maple trim/doors and natural cherry cabinetry for a sophisticated, timeless finish. The kitchen features plenty of granite counters with custom lighting inside and under the upper cabinets. Step onto the maintenance-free deck with gas grill hookup — perfect for summer entertaining. Also included is a private large storage closet, and two heated underground tandem parking stalls. Residents enjoy access to two rooftop party rooms on the 5th floor with stunning decks providing panoramic views of the St Croix River Valley! Located in the heart of downtown Stillwater, this desirable home offers unparalleled walkability to award-winning dining, boutique shopping, and access to miles of scenic trails. Truly move-in ready!

Getting Around

76
WalkingVery Walkable
0
TransitVery Limited Transit
66
BikeBikeable

Schools

8/10
8/10
Stillwater Middle SchoolGrades 6-81.2 mi
10/10

Construction

Condition

  • Year built: 2006

Materials

  • Roof: Age 8 Years or Less,Asphalt,Composition,Flat,Pitched

Type & Style

  • Home type: Condo
  • Property subType: (CC) High Rise (4+ Levels)

Interior

Appliances

  • Appliances included: Cooktop,Dishwasher,Disposal,Dryer,Microwave,Refrigerator,Stainless Steel Appliance(s),Washer
  • Laundry features: Electric Dryer Hookup,Laundry Room,Main Level,In Unit,Washer Hookup

Basement

  • Has basement: Yes
  • Basement: None

Bathroom

  • Level: Main
  • Area: 99
  • Dimensions: 9x11

Bathroom

  • Level: Main
  • Area: 60
  • Dimensions: 6x10

Bedroom

  • Level: Main
  • Area: 168
  • Dimensions: 12x14

Bedroom2

  • Level: Main
  • Area: 143
  • Dimensions: 11x13

Bedrooms & Bathrooms

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

Deck

  • Level: Main
  • Area: 80
  • Dimensions: 8x10

Dining Room

  • Level: Main
  • Area: 121
  • Dimensions: 11x11

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,340

Foyer

  • Level: Main
  • Area: 88
  • Dimensions: 8x11

Heating & Cooling

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

Interior Area

  • Total structure area: 1,340
  • Total interior livable area: 1,340 sqft

Kitchen

  • Level: Main
  • Area: 117
  • Dimensions: 9x13

Laundry

  • Level: Main
  • Area: 55
  • Dimensions: 5x11

Living Room

  • Level: Main
  • Area: 180
  • Dimensions: 12x15

Storage

  • Level: Upper
  • Area: 80
  • Dimensions: 8x10

Walk In Closet

  • Level: Main
  • Area: 66
  • Dimensions: 6x11

Property

Accessibility

  • Accessibility features: Accessible Elevator Installed,Door Lever Handles,No Stairs Internal,Accessible Approach with Ramp

Details

  • Parcel number: 2803020140110
  • Attached to another structure: Yes
  • Zoning description: Residential-Multi-Family
  • Foundation area: 1340

Features

  • Levels: One
  • Stories: 1
  • Pool features: None
  • Patio & porch: Composite Decking,Covered,Deck
  • Has view: Yes
  • View description: River
  • Has water view: Yes
  • Water view: River
  • Waterfront features: River View

Lot

  • Lot size dimensions: Common

Parking

  • Total spaces: 2
  • Parking features: Assigned,Attached,Concrete,Garage Door Opener,Heated Garage,Tandem Garage,Underground
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $3,135$37,620
Home Insurance *$355$4,260
Property Taxes $638$7,656
Electricity $170$2,050
Total$4,298$51,576
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$147,360/yr
40% on housing$128,940/yr
45% on housing$114,613/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

$463This listing

vs Other Active Listings

Avg $/sqft

ZIP 55082$228
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
2026-08-12Price change$595,000
2026-08-08Price change$609,000
2026-07-20Listed for sale$620,000
2025-12-29Sold$590,000
2025-12-09Pending sale$600,000
2025-09-22Price change$600,000
2025-08-15Listed for sale$625,000
2025-08-11Listing removed$639,900
2025-06-18Listed for sale$639,900
2024-09-18Listing removed$699,000
2024-09-04Price change$699,000
2024-06-20Listed for sale$734,900
2015-06-01Sold$395,000
2009-10-07Listing removed$369,900
2009-06-28Price change$369,900
2009-05-21Price change$398,842
2009-05-03Listed for sale$438,862

For Sale by Agent

AgentCathleen C. Gjermo
BrokerageKeller Williams Premier Realty

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