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43801 Sylvia Valley Rd, Melrose, MN, 56352

4beds
4baths
384sqft
$759,900
$1,979price/sqft
$5,025/moest. monthly cost
$201,000/yrincome needed

About This Home

This stunning, must-see lake home offers approximately 18 acres of private, secluded land with prime hunting opportunities on highly sought-after Little Birch Lake. This clean, in-demand lake is conveniently located just 45 minutes from St. Cloud and Alexandria, and only 90 minutes from the Twin Cities metro area. This is the perfect place to create lasting memories. The home features 4 bedrooms and 2 bathrooms, providing plenty of space for family and guests. Adley Creek flows through the property, and you can watch fish spawning right from your patio, just 30 feet from the water. Situated on the southeast end of Little Birch Lake, the property also includes the scenic DNR dam, where water flows into Sylvia Lake—an absolutely beautiful and unique feature. Multiple outbuildings offer ample storage. One newer building is heated and includes a bathroom, adding extra functionality and comfort. The property is being sold with docks and appliances included. Don’t miss this rare opportunity to own a truly special lake property.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
4
BikeSomewhat Bikeable

Schools

7/10
Melrose Elementary SchoolGrades PK-56.2 mi
5/10
Melrose Middle SchoolGrades 6-86.1 mi
8/10
Melrose SecondaryGrades 9-126.1 mi

Construction

Condition

  • Year built: 1960

Materials

  • Roof: Age 8 Years or Less,Metal,Pitched

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Water Osmosis System,Range,Refrigerator,Washer
  • Laundry features: Main Level,Sink

Basement

  • Basement: Crawl Space

Bathroom

  • Level: Main
  • Area: 72
  • Dimensions: 9 x 8

Bathroom

  • Level: Main
  • Area: 45
  • Dimensions: 9 x 5

Bedroom

  • Level: Main
  • Area: 425
  • Dimensions: 25 x 17

Bedroom2

  • Level: Main
  • Area: 120
  • Dimensions: 12 x 10

Bedroom3

  • Level: Main
  • Area: 132
  • Dimensions: 12 x 11

Bedroom4

  • Level: Upper
  • Area: 345
  • Dimensions: 23 x 15

Bedrooms & Bathrooms

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

Dining Room

  • Level: Main
  • Area: 414
  • Dimensions: 23 x 18

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 2,219

Heating & Cooling

  • Heating features: Baseboard,Dual Fuel/Off Peak,Fireplace(s),Radiator
  • Cooling features: Wall Unit(s)

Interior Area

  • Total structure area: 384
  • Total interior livable area: 384 sqft

Kitchen

  • Level: Main
  • Area: 414
  • Dimensions: 23 x 18

Laundry

  • Level: Main
  • Area: 63.2
  • Dimensions: 7.9x8

Living Room

  • Level: Main
  • Area: 364
  • Dimensions: 28 x 13

Primary Bathroom

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Walk In Closet

  • Level: Main
  • Area: 55
  • Dimensions: 5.5x10

Property

Accessibility

  • Accessibility features: Doors 36"+

Details

  • Parcel number: 21122250000
  • Zoning description: Residential-Single Family
  • Foundation area: 1835

Features

  • Levels: One and One Half
  • Stories: 1
  • Patio & porch: Patio
  • Has view: Yes
  • View description: Lake,See Remarks
  • Has water view: Yes
  • Water view: Lake
  • On waterfront: Yes
  • Waterfront features: Creek/Stream,Dock,Lake Front,Lake Bottom(Gravel,Hard,Reeds,Sand,Soft,Wetland)

Lot

  • Lot size: 18 Acres
  • Features: Additional Land Available,Irregular Lot,Tree Coverage - Heavy
  • Lot size dimensions: Irregular

Parking

  • Total spaces: 2
  • Parking features: Detached Garage,Gravel,Concrete,Garage Door Opener,Heated Garage,Insulated Garage
  • 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

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Strong Wind
Tornado
Winter Weather
Cold Wave
Lightning

FEMA Declared Disasters in Stearns 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 $3,842$46,104
Home Insurance *$601$7,212
Property Taxes $412$4,944
Electricity $170$2,050
Total$5,025$60,300
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$172,285/yr
40% on housing$150,750/yr
45% on housing$134,000/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: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,979This listing

vs Other Active Listings

Avg $/sqft

ZIP 56352$116
Stearns County$140

vs Homes Sold Last Month

Median $/sqft

ZIP 56352$132
Stearns County$148

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
2026-04-06Listed for sale$774,900
2025-10-01Listing removed$774,900
2025-08-12Pending sale$774,900
2025-04-06Listed for sale$774,900
2025-03-27Listing removed$774,900
2024-10-21Listed for sale$774,900
2024-10-10Listing removed$774,900
2024-04-19Listed for sale$774,900
2024-04-12Listing removed--
2024-02-18Listed for sale$799,900
2024-02-10Listing removed--
2023-07-17Listed for sale$799,900
2023-06-16Listing removed--
2023-01-17Price change$899,900
2022-09-16Listed for sale$1,095,000

For Sale by Agent

AgentBrandon Kelly
BrokerageCentral MN Realty LLC

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