30602 440th Street

Melrose, MN
$ 449,000 Beds 2 Baths 1 Sq 1,308
Monthly Estimate* How much can I afford?

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.

Single Family

  • Price
  • $ 449,000
  • City
  • Melrose
  • Bedrooms
  • 2
  • Full Bathrooms
  • 1
  • County
  • STEARNS
  • Half Bathrooms
  • 0
  • Area
  • Elmwood Beach
  • Lot Size
  • 1.83 Acres
  • Zip
  • 56352
  • Sqr Footage
  • 1,308
  • Year Built
  • 1920
  • Taxes
  • $ 3192
  • Style
  • Single Family
  • MLS#
  • 7047075
Listed By: Central MN Realty LLC
Data Source: Northstar MLS (NSTAR)

Features

General

Living Area 1308
Sewer Tank with Drainage Field
Heating Forced Air,Wood Stove
Cooling None
Roof Age 8 Years or Less,Asphalt
Appliances Dryer,Fuel Tank - Owned,Range,Refrigerator,Washer
Garage Spaces 1
Year Built 1920
View North
Levels One
Property Subtype Single Family
Tax Year 2025
Waterfront Features Lake Front
Accessibility No Stairs Internal
County Stearns
New Construction No
Property Type Residential
HOA No
Contingency None
Subdivision Name Elmwood Beach
Other Structures Garage(s),Storage Shed
Full Baths 1
Directions I94 to Freeport Exit,N on County Road 11,L on County Road 17 follow till Sunset Beach Road or 440th Street.
City Melrose
High School District Melrose
Zoning Description Shoreline,Residential-Single Family
Lot Size Units Acres
Property Attached Y/N No
Land Lease Y/N No
Tax Annual Amount 3192
Additional Parcels Y/N No
Standard Status Active
Lender Owned No
PostalCity Melrose

Interior Features

Basement Block,Partial
Total Fireplaces 1
Fireplace Features Free Standing,Wood Burning
Basement (Y/N) Yes
Fireplace Y/N Yes
Above Grade Finished Area 1308
Laundry Features Main Level
Total Bedrooms 2
Total Baths 1
Bath Desc Main Floor Full Bath
Dining Room Description Living/Dining Room
Fuel Oil,Wood
Garage Square Feet 600
Waterfront Feet 80

Exterior Features

Parking Features Detached Garage,Asphalt
Lot Features Accessible Shoreline,Tree Coverage - Medium
Water Source Well
Lot Size Area 1.83
Building Area Total 1608
Lot Dimensions See Survey from 2026
Waterfront Y/N Yes
Foundation Area 1308
Road Frontage Type Paved Streets,Township
Road Responsibility Public Maintained Road

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Faribault, MN office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Unknown Elementary School
Middle School Unknown Middle School
High School Unknown High School

Price History

4/11/2026 Listed $525,000
5/4/2026 5% - $499,500
6/23/2026 5% - $475,000
7/21/2026 4% - $459,000
8/26/2026 3% - $449,000

Property vs Zip Code Average in 56352

Price
AVG $290K
$450K
Taxes
AVG $2,700
$3,192
Year Built
AVG 1983
1920
Visits
AVG 43
52
Data Provided by Inside Real Estate®

30602 440th Street Melrose, MN is a Single Family Home for sale at $449000 with 1308 sqft and a lot size of 1.83 Acres Acre(s). 30602 440th Street Melrose has 2 bedrooms, 1 baths and was built in 1920. The property's zip code is 56352 which is in Melrose, MN

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.