30602 440th St, Melrose, MN, 56352
About This Home
Offered for the first time in over 30 years due to the sellers downsizing, this charming lake home presents a rare opportunity on Big Birch Lake. Set on nearly 2 acres of land with 80 feet of prime north-facing lakeshore, the property offers a peaceful setting and beautiful water views. The home features 2 bedrooms and 1 full bathroom, with an open kitchen and dining area designed to take full advantage of the scenic lakefront. Included with the property are the appliances, as well as the dock and pontoon lift—making it easy to start enjoying lake life right away. Conveniently located just 45 minutes from St. Cloud and Alexandria, and only 90 minutes from the Twin Cities metro area, this property is ideal as a weekend retreat or a full-time residence.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1920
Materials
- Roof: Age 8 Years or Less,Asphalt
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dryer,Range,Refrigerator,Washer
- Laundry features: Main Level
Basement
- Has basement: Yes
- Basement: Block,Partial
Bedroom
- Level: Main
- Area: 208
- Dimensions: 16 x 13
Bedroom2
- Level: Main
- Area: 137.5
- Dimensions: 11 x 12.5
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Dining Room
- Level: Main
- Area: 135
- Dimensions: 13.5 x 10
Features
- Number of fireplaces: 1
- Fireplace features: Free Standing,Wood Burning
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 1,308
Foyer
- Level: Main
- Area: 135
- Dimensions: 15 x 9
Heating & Cooling
- Heating features: Forced Air,Wood Stove
- Cooling features: None
Interior Area
- Total structure area: 1,608
- Total interior livable area: 1,608 sqft
Kitchen
- Level: Main
- Area: 147
- Dimensions: 10.5 x 14
Laundry
- Level: Main
- Area: 72.25
- Dimensions: 8.5 x 8.5
Living Room
- Level: Main
- Area: 252
- Dimensions: 21 x 12
Property
Accessibility
- Accessibility features: No Stairs Internal
Details
- Parcel number: 22132280000
- Zoning description: Shoreline,Residential-Single Family
- Other equipment: Fuel Tank - Owned
- Foundation area: 1308
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck,Rear Porch
- Has view: Yes
- View description: North
- On waterfront: Yes
- Waterfront features: Lake Front,Waterfront Elevation(26-40),Lake Bottom(Hard,Sand)
- Frontage length: Water Frontage: 80
Lot
- Lot size: 1.83 Acres
- Features: Accessible Shoreline,Tree Coverage - Medium
- Lot size dimensions: See Survey from 2026
Parking
- Total spaces: 1
- Parking features: Detached Garage,Asphalt
- 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
- Hail
- Strong Wind
- Cold Wave
- Inland Flooding
- Lightning
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Stearns County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,320 | $27,840 |
| Home Insurance * | $363 | $4,356 |
| Property Taxes | $287 | $3,444 |
| Electricity | $170 | $2,050 |
| Total | $3,140 | $37,680 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-04 | Price change | $499,500 |
| 2026-04-17 | Listed for sale | $525,000 |
| 1994-06-20 | Sold | $74,000 |
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