MLS# 6735784 - 5238 406th Street North Branch, MN 55056

Discover the charm and potential of this 1981-built berm home nestled on a beautiful lot with 160 feet of pristine frontage on Chain Lake. Designed with energy efficiency in mind, this earth-sheltered home offers peaceful lakefront living with room to grow. Inside, you'll find 2 bedrooms and 2 bathrooms, along with an oversized attached 2-car garage—perfect for storing all your lake toys and tools. The home features extensive hardwood and stone updates, adding warmth and character throughout both levels. An unfinished upper level provides excellent space for storage or the opportunity to expand and customize to your needs. While the home has received many beautiful updates, it still offers room for finishing touches, allowing you to make it truly your own. Whether you're looking for a full-time residence, weekend getaway, or investment opportunity, this property is full of potential in a stunning lakeside setting.

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Mortgage & Tax Calculator [Estimated]

Purchase Price ($):

Down Payment ($):

Down Payment (%):

Est. Best Interest Rate (%):

Term of Loan (Years):

Monthly Payment:

$2,366 + $473^(tax)
Est. Monthly Total: $2,839

*does not include insurance and all numbers are estimated.

Summary

Type: RES | Residential - Single Family Residence

Price: $499,900 ^-$50K

$289/sf

$153,815/acre

Transaction: For Sale

Status: Active

Contingencies: None

Agent Owned: No

Lender Owned: No

Manufactured Home: No

Zoning: Residential-Single Family

Bedrooms: 2

Bathrooms: 2

Square Footage: 1,728 sq ft

Lot Size: 3.25 acres

Year Built: 1981

Foundation: 1,728 sq ft

Garage: Yes

Waterfront: Yes

Stories: Two

New Construction: No

Listed at: Mon Jun 09 2025 5:00:00 AM

Listing Age: 12 days

School District: 138-North Branch | 651-674-1000

County: Chisago

Rooms

Bedrooms

Bedroom 1: Main 19x11

Bedroom 2: Main 19x12

Bathrooms

3/4 Baths: 2

Main Floor

Living Room: Living Room, 19x15

Bedroom 1: Bedroom 1, 19x11

Bedroom 2: Bedroom 2, 19x12

Lower Level

Kitchen: Kitchen, 19x15

Family Room: Family Room, 26x15

Patio: Patio, 30x12

More Room Details

Dining: Kitchen/Dining Room

Bath Details: 3/4 Primary, Main Floor 3/4 Bath

Home Details

In Home Details

Sq Ft Above Ground: 1,728 sq ft

Appliances: Cooktop, Dishwasher, Double Oven, Dryer, Electric Water Heater, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Basement: None

Construction Material: Brick/Stone, Metal Siding

Electric: Circuit Breakers, 100 Amp Service

Additional Details: Dock, Hardwood Floors, Patio

Exterior

Siding: Brick/Stone, Metal Siding

Roof: Age 8 Years or Less, Metal, Rubber

Utilites

Water: Well

Sewer: Septic System Compliant - No

Cooling: Ductless Mini-Split

Heating: Boiler, Natural Gas

Fence: None

Property / Waterfront

Property Details

Frontage: No Outlet/Dead End, Private Road

Garage: 2 spaces, Attached Garage

Lot Dimensions: 160x884

Amentities Unit: Dock, Hardwood Floors, Patio

Agent Owned: No

Waterfront Details

Body of Water: Chain Lake

DNR Lake ID: 13006300

Type: Lake Front, Lake View

Frontage: 160 ft

Lake Acres: 254 acres

Bottom: Sand

View: Lake Front, Lake View

Elevation: 10-15

Slope: Level

Others

School Information

District Number: 138-North Branch

District Phone: 651-674-1000

Financial Considerations

Tax Property ID: 110012510

Tax Amount: $5,679 for 2024

Listing Data

Listed Price: $499,900^-$50K

Days on market: 8 days

First Listed at: Mon Jun 09 2025 5:00:00 AM

Last Updated at: Tue Jun 17 2025 10:37:03 PM

Contingencies: None

Assessments: No

Foreclosure: No

Lender Owned: No

Special Notes

Present Use: Yearly

Public Survey

Range: 21

Section: 7

Township: 35

eXp Realty is the brokerage office representing the owner for this listing.
© Copyright 2025, Regional Multiple Listing Service(RMLS) of Minnesota, Inc. all rights reserved. Information is deemed reliable but is not guaranteed.
The data relating to real estate for sale on this site comes in part from the broker reciprocity program of the Regional multiple Listing Service(RMLS) of Minnesota, Inc distributed by MLS GRID. Real estate listings held by brokerage firms other than are marked with the Broker Reciprocity logo or the Broker reciprocity house icon and detailed information about them includes the names(s) of the listing brokers.
Mike Stanwood Realtor/GRI is not a Multiple Listing Service (MLS), nor does it offer MLS access. This website is a service of Mike Stanwood Realtor/GRI, a broker participant of the Regional Multiple Listing Service of Minnesota, Inc. Northstar MLS data last updated at Jun 21 2025 6:54AM.