10464 Spruce Street, Chisago City, MN 55013 (MLS# 7130665)

10464 Spruce Street, Chisago City, MN 55013

New Listing

$415,000

Lush mature trees and a beautifully landscaped front walkway invite you right up to the front door.

Follow the path to your new home! The welcoming front entrance is perfectly framed by beautiful low-maintenance landscaping and rock gardens.

Set on a half-acre lot, this home features beautiful mature trees and an expansive front yard.

The sprawling backyard backs up to a pond

A view of the rear exterior, highlighting the home's lower-level daylight windows and massive green space.

Enjoy the privacy and space of your backyard, featuring great tree coverage and endless potential for outdoor entertaining.

The side yard offers even more room to play and explore, located right off the attached 3-car garage.

The spacious main-floor primary bedroom offers a relaxing retreat with a large window and great natural light.

Your primary suite is fully equipped with a private en-suite bathroom and a walk-in closet.

Never run out of wardrobe space in the primary suite's generously sized walk-in closet.

The full primary bathroom features a large double vanity and fantastic built-in linen storage.

One of three bathrooms in the home, this full bath is bright, clean, and perfectly situated for family and guests.

This bright and comfortable space is one of the four generously sized bedrooms found in the home.

The open floor plan is perfect for entertaining, highlighted by soaring vaulted ceilings.

A welcoming entryway opens directly into the main living spaces.

The main-level living room offers a bright, inviting space to relax.

The kitchen features a convenient center island and ample cabinetry for all your culinary needs.

Enjoy meals in the dining room, which offers easy access to the outdoor spaces.

The eat-in kitchen layout seamlessly connects the cooking and dining spaces.

A fantastic layout that keeps everyone connected between the kitchen, dining, and living areas.

Enjoy the ultimate convenience of a dedicated main-floor laundry room equipped with a utility sink.

The finished lower-level family room provides massive extra living space and features bright daylight windows.

The finished lower-level family room features a fantastic wet bar that is perfect for entertaining.

A closer look at the convenient lower-level wet bar, ready for your next game night or gathering.

The sprawling 19x16 family room offers excellent flexible living space and bright daylight windows.

This flexible lower-level space makes a perfect dedicated home office or hobby room.

This is one of the two generously sized lower-level bedrooms, featuring great natural light through the lookout windows.

Ample closet space is featured throughout all four of the home's bedrooms.

Another spacious lower-level bedroom provides a quiet, private retreat for family or guests.

The lower level is complete with its own full bathroom.

An expansive 11x8 lower-level utility room provides incredible additional storage, cabinetry, and workspace.

Property Type: Residential Bedrooms: 4 Baths: 3 Square Footage: 2,716 Lot Size (sq. ft.): 21,780 Status: Active

Current Price: $415,000 List Date: 8/20/2026 Last Modified: 8/21/2026

Overview

Description

This thoughtfully updated 4-bedroom, 3-bathroom rambler in a kid-friendly neighborhood is an absolute must-see. Enjoy an open floor plan with soaring ceilings, a main-floor primary bedroom, and main floor laundry. Major recent investments include a brand-new roof and gutters (8/2026), all new windows throughout (5/2026), new main-level carpet, and fresh lower-level paint. The kitchen shines with a new stove (8/2026) and a recently updated refrigerator (7-2024). The spacious lower-level family room features a wet bar with a brand-new refrigerator and microwave (7/2026). Car enthusiasts will appreciate the 3-car garage with a new third-stall door and motor. Step outside to enjoy your half-acre lot backing up to a pond, complete with a sidewalk around the neighborhood. Located near the Chisago Lakes Chain and Carlos Avery Wildlife Area, this home is the perfect blend of outdoor recreation and an easy commute to the Twin Cities. Garage is ready for workshop with 240 volt outlet and separat ... (Read more)

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Listing Details MLS# 7130665

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Waterfront YN: No
Year Built: 2006
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Full: 3
Main Floor Total SqFt: 1358
Above Grd Total SqFt: 1358
Below Grd Total SqFt: 1358
Total SqFt: 2716
Total Finished Sqft: 2499.00
FireplaceYN: No
Style: (SF) Single Family
Foundation Size: 1358
Power Company: Xcel Energy
Garage Stalls: 3
Lot Dimensions: 170x187x74x150
Acres: 0.5
Assessment Pending: No
Number of Fireplaces: 0
Bath Three Quarters: 0
Bath Half: 0
Bath Quarter: 0
Association Fee: 0

Property Features

Accessible: None Air Conditioning: Central Air Amenities Unit: Cable; Ceiling Fan(s); Kitchen Center Island; Kitchen Window; Main Floor Primary Bedroom; Natural Woodwork; Primary Bedroom Walk-In Closet; Vaulted Ceiling(s); Walk-In Closet; Washer/Dryer Hookup; Wet Bar Appliances: Chandelier; Dishwasher; Disposal; Dryer; Microwave; Range; Refrigerator; Washer Assumable Loan: Not Assumable Basement: Concrete Block; Drain Tiled; Drainage System; Egress Windows; Full; Kitchenette; Sump Pump Bath Description: Double Sink; Main Floor Full Bath; Full Primary; Full Basement; Bathroom Ensuite Construction Materials: Block; Frame; Stone Construction Status: Previously Owned Dining Room Description: Living/Dining Room Electric: 100 Amp Service; 200+ Amp Service; Circuit Breakers Existing Financing: Conventional Exterior: Brick/Stone; Vinyl Family Room Characteristics: Family Room; Lower Level Fencing: None Foundation: Concrete Block Fuel: Electric; Natural Gas Heating: Forced Air Internet Options: Cable; DSL Laundry: Electric Dryer Hookup; Laundry Room; Main Level; Sink; Washer Hookup Lock Box Type: Supra Lot Description: Irregular Lot; Tree Coverage - Medium; Underground Utilities; Wetlands Parking Characteristics: Garage Door Opener; Insulated Garage Road Frontage: City Street; Curbs; Paved Streets; Sidewalks; Storm Sewer Road Responsibility: Public Maintained Road Roof: Age 8 Years or Less; Asphalt Shingles Sellers Terms: Cash; Conventional; FHA; VA Sewer: City Sewer/Connected Special Search: Main Floor Bedroom; Main Floor Laundry; Main Floor Primary; Primary Bdr Suite Stories: One Water: City Water/Connected Waterfront Type: Pond Waterfront View: North

Contract Information

Contingency: None
Original List Price: 415000
ListPrice: 415000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 10464
Street Name: Spruce
Street Suffix: Street
Postal City: Chisago City
County: Chisago
State: MN
Zip Code: 55013
Complex/Dev/Subdivision: School Lake Shores

Assessments

Assessment Balance: 17
Tax With Assessments: 4088

Basement

Foundation Dimensions: 50x27
Concrete Block: Yes
Drain Tiled: Yes
Drainage System: Yes
Egress Windows: Yes
Full: Yes
Kitchenette: Yes
Sump Pump: Yes

More Information

Building Information

Finished SqFt Above Ground: 1358
Finished SqFt Below Ground: 1141

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: SPAAR
Supra: Yes

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 32x26
Garage Door Height: 8
Garage Door Width: 16
Garage Square Feet: 832
Garage Door Opener: Yes
Insulated Garage: Yes

Public Survey Info

Range#: 20
Section#: 6
Township#: 33

Office/Member Info

Association: SPAAR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: SECTION 06 TOWNSHIP 033 RANGE 020 SUBDIVISIONNAME SCHOOL LAKE SHORES LOT 010 BLOCK 003 SUBDIVISIONCD 13360
Listing City: Chisago City
Map Page: 12
Municipality: Chisago City
School District: Chisago Lakes
School District Phone: 651-213-2096
Zip Plus 4: 319
Property ID Number: 130004723
Tax Year: 2025
Tax Amount: 4071
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: This thoughtfully updated 4-bedroom, 3-bathroom rambler in a kid-friendly neighborhood is an absolute must-see. Enjoy an open floor plan with soaring ceilings, a main-floor primary bedroom, and main floor laundry. Major recent investments include a brand-new roof and gutters (8/2026), all new windows throughout (5/2026), new main-level carpet, and fresh lower-level paint. The kitchen shines with a new stove (8/2026) and a recently updated refrigerator (7-2024). The spacious lower-level family room features a wet bar with a brand-new refrigerator and microwave (7/2026). Car enthusiasts will appreciate the 3-car garage with a new third-stall door and motor. Step outside to enjoy your half-acre lot backing up to a pond, complete with a sidewalk around the neighborhood. Located near the Chisago Lakes Chain and Carlos Avery Wildlife Area, this home is the perfect blend of outdoor recreation and an easy commute to the Twin Cities. Garage is ready for workshop with 240 volt outlet and separate 100 amp breaker panel.
Directions: I-35 North to Hwy 8 to Lofton Ave (77). North on Lofton, West on Matthew Dr, South on Spruce St, Property on right.

Accessible

None: Yes

Air Conditioning

Central Air: Yes

Amenities Unit

Cable: Yes
Ceiling Fan(s): Yes
Kitchen Center Island: Yes
Kitchen Window: Yes
Main Floor Primary Bedroom: Yes
Natural Woodwork: Yes
Primary Bedroom Walk-In Closet: Yes
Vaulted Ceiling(s): Yes
Walk-In Closet: Yes
Washer/Dryer Hookup: Yes
Wet Bar: Yes

Appliances

Chandelier: Yes
Dishwasher: Yes
Disposal: Yes
Dryer: Yes
Microwave: Yes
Range: Yes
Refrigerator: Yes
Washer: Yes

Assumable Loan

Not Assumable: Yes

Bath Description

Double Sink: Yes
Main Floor Full Bath: Yes
Full Primary: Yes
Full Basement: Yes
Bathroom Ensuite: Yes

Construction Materials

Block: Yes
Frame: Yes
Stone: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Living/Dining Room: Yes

Electric

100 Amp Service: Yes
200+ Amp Service: Yes
Circuit Breakers: Yes

Existing Financing

Conventional: Yes

Exterior

Brick/Stone: Yes
Vinyl: Yes

Family Room Characteristics

Family Room: Yes
Lower Level: Yes

Fencing

None: Yes

Foundation

Concrete Block: Yes

Fuel

Electric: Yes
Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Internet Options

Cable: Yes
DSL: Yes

Laundry

Electric Dryer Hookup: Yes
Laundry Room: Yes
Main Level: Yes
Sink: Yes
Washer Hookup: Yes

Lot Description

Irregular Lot: Yes
Tree Coverage - Medium: Yes
Underground Utilities: Yes
Wetlands: Yes

Road Frontage

City Street: Yes
Curbs: Yes
Paved Streets: Yes
Sidewalks: Yes
Storm Sewer: Yes

Road Responsibility

Public Maintained Road: Yes

Roof

Age 8 Years or Less: Yes
Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes
FHA: Yes
VA: Yes

Sewer

City Sewer/Connected: Yes

Special Search

Main Floor Bedroom: Yes
Main Floor Laundry: Yes
Main Floor Primary: Yes
Primary Bdr Suite: Yes

Stories

One: Yes

Water

City Water/Connected: Yes

Waterfront Type

Pond: Yes

Waterfront View

North: Yes

Room Information

Room Name	Dimensions	Level
Bonus Room	13x8	Basement
Dining Room	13x10	Main
Family Room	25x21	Basement
First (1st) Bedroom	10x13	Main
Fourth (4th) Bedroom	12x11	Basement
Kitchen	15x13	Main
Laundry	11x8	Main
Living Room	16x15	Main
Second (2nd) Bedroom	13x11	Main
Storage Room	16x8	Basement
Third (3rd) Bedroom	12x11	Basement

Documents

10464 Spruce Street - Seller's Property ›

Listing Office: Counselor Realty, Inc

Last Updated: August - 21 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2026 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.

10464 Spruce Street, Chisago City, MN 55013 (MLS# 7130665)