$500,000

ATTENTION: Seller is offering $15,000 in closing costs to buy down your interest rate, potentially reducing your monthly payment by hundreds! This one story home on 2.2 acres was built for the way Minnesotans actually want to live. The main level keeps everything accessible and well-connected. The kitchen has what you'd expect with quartz countertops, newer stainless appliances, and storage for real life. The sunny informal dining nook with its bright windows makes mornings worth slowing down for. The primary suite is thoughtfully designed: full private bath, walk-in closet, and a patio door that opens directly to the back deck. A flexible main-level office works equally well as a den or non-conforming bedroom, depending on what stage of life you're in. Downstairs, the home opens into something a little different. A wet bar with knotty pine and true northwoods character sets the tone for a lower level built for gathering. The double-sided fireplace shared between the entertaining space and the lower level bedroom is one of those details that makes guests want to stay a little longer. Outside, two decks give you real options. The main deck runs a king-sized 33x10 and handles a crowd without effort. A couple of storage sheds are included to keep lawn equipment tucked out of the way. The 2.2 acre lot feels like a nature reserve: mature trees, open flat ground, gently rolling terrain and a private pond that gives the land real character. Chisago City sits roughly 45 minutes north of the Twin Cities metro — close enough to commute, far enough to decompress. The area is home to over 10 lakes and more than 100 miles of shoreline, Wild Mountain for year-round recreation, WineHaven Winery, Franconia Sculpture Park, scenic trails, and a genuine small-town feel that hasn't been manufactured. Shopping and dining are close by, and Chisago Lakes schools serve the area well. One thing worth noting upfront: a section of front concrete near the entry and the landscaped retaining wall will need to be replaced. We have a bid and the improvement will be taken care of out of the seller's proceeds. Don't let it deter you, we know it has to get done.