Stillwater, MN Real Estate Agent. Homes For Sale Above the St. Croix.

I'm Chantell Hendrix, a REALTOR® with The Pinnacle Team at eXp Realty. I have lived in the St. Croix River Valley for nearly 30 years and on the river itself for the last five. Buyers and sellers hire me for waterfront homes, historic hill houses, and the plain arithmetic underneath both.

Buyer Representation Seller Representation Waterfront & Cabins Investment Consulting Home Valuation Relocation
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5+
Years Licensed
$432,500
Stillwater Median Sale Price
37
Median Days on Market
31.6%
Homes Sold Above List
About Chantell Hendrix

Thirty years on this river taught me where the water sits.

Chantell Hendrix is a Stillwater real estate agent licensed in Minnesota, license #40742029, and in Wisconsin, license #93571-94. She practices with The Pinnacle Team at eXp Realty, out of 7300 Hudson Blvd., Ste. 165, Oakdale, MN 55125. She holds the REALTOR® designation, which means she is a member of the National Association of REALTORS® and is bound by its Code of Ethics, a standard higher than state licensing law requires.

I serve the Twin Cities Metro, the St. Croix Valley, and Western Wisconsin. My specialty is St. Croix River waterfront homes and riverfront cabins. Most of my work, though, is ordinary residential property: a 1902 house on the South Hill, a townhome in Croixwood, a walkout rambler in Liberty on the Lake. I have lived in the St. Croix River Valley for nearly 30 years, and directly on the river for the past five. I know its bends from the Stillwater bluffs down to the quieter reaches near Hudson.

That matters more than it sounds. Waterfront and bluff property carries questions a suburban comparison sheet never asks. Where does the floodplain line actually fall on this parcel. Is the shoreline in Stillwater or in Oak Park Heights, and does that change the permit. Does the septic system serve a seasonal cabin or a year-round house. Before I was licensed I worked as a paralegal, so contracts, disclosures, and deadlines are familiar ground rather than paperwork I hand off.

My clients often cross the Minnesota and Wisconsin border in one search, comparing a Stillwater listing against a Hudson listing on the same weekend. I hold licenses in both states, so I can price, show, and write on either side without handing you to a second agent. My approach is simple: clear communication, real market data, and an honest answer when a house is wrong for you.

Where I Focus

01

St. Croix River Waterfront and Cabins

Riverfront homes and seasonal cabins along the St. Croix National Scenic Riverway, Minnesota's only river in the federal Wild and Scenic Rivers System.

02

Stillwater and the Lower Valley

Downtown Stillwater, the North and South Hills, Croixwood, Liberty on the Lake, Settlers Glen, plus Oak Park Heights, Bayport, Lake Elmo, and Afton.

03

Across the Minnesota and Wisconsin Border

Dual licensed in both states, which keeps one agent on a search that spans the St. Croix Crossing into Hudson and western Wisconsin.

St. Croix River waterfront and riverfront cabins
Historic homes on the North and South Hills
Downsizing into downtown Stillwater condominiums
Cross-border purchases between Minnesota and Wisconsin
Investment and rental property analysis
Relocation into Stillwater Area Public Schools, ISD 834
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Chantell Hendrix

Three ways I move your number in Stillwater.

One city limit sign covers several separate markets. A downtown condominium above Main Street, a Victorian on the South Hill, a townhome in Croixwood, and a river cabin north of the Boom Site answer to different buyers and different comparable sales. Nobody adds value everywhere. I add it in three places: representing buyers who need a defensible price, marketing listings into the weeks that matter, and running the arithmetic before an investor signs.

We Help You:

  • BUY WITH A PRICE YOU CAN DEFEND, ON THE RIVER OR OFF IT
  • SELL INTO THE OPENING WEEKS, WHEN ATTENTION AND OFFERS PEAK
  • INVEST ON MODELED CASH FLOW AND A WRITTEN EXIT, NEVER A HUNCH
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Two story American home with a covered front porch and landscaped walkway, representing buyer representation from Chantell Hendrix

Buy

Classic red brick home with white trim and a mature garden, representing Stillwater MN seller representation

Sell

Traditional home with a stone facade and neatly kept lawn, representing Stillwater MN real estate investing services

Invest

Warm living room with a fireplace, wood beams, and natural light, staged for a Stillwater MN listing
For Sellers

Your listing gets one opening weekend. Spend it well.

A Stillwater home hits peak attention in its first days on market and rarely climbs back. Everything I do serves that window. I price against sales that actually closed near you, finish the prep before a single photo is taken, and put the listing in front of the buyer agents who wrote offers in 55082 last quarter. Zillow, Realtor.com, Redfin, Homes.com, and the MLS carry it from there. The most recently reported month showed a 99.5 percent sale-to-list ratio here, with 31.6 percent of homes closing above asking, so prepared listings still gather competition. Homes priced against last year's market sit, then sell for less than they started.

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Professional Photography

A buyer decides in one thumbnail. Win it.

Long before anyone reads your square footage, they judge a single image the width of a thumb. That judgment quietly sets what they will pay. For Stillwater listings I bring in photographers who shoot interiors at the hour the light cooperates and catch the exterior at dusk. We fly the lot when a bluff view or a stretch of St. Croix shoreline deserves to be seen. The result is a listing buyers stop on rather than scroll past, and a first impression that survives the drive out on Highway 36.

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Bright kitchen with wood flooring, an island, and abundant natural light, photographed for Stillwater MN real estate marketing
Local Market Expertise

What buyers ask me about living in Stillwater.

Stillwater is the seat of Washington County, set on the bluffs above the St. Croix River where Minnesota Highway 36 meets Highway 95. Downtown St. Paul lies about 20 miles west; Minneapolis is about 26. These six questions come up on nearly every first call.

Which Stillwater neighborhoods should I look at first?

Downtown Stillwater puts Main Street, Lowell Park, and the Lift Bridge within a few blocks, and Redfin reported a median sale price near $540,000 there in September 2025. Staples and Mays on the North Hill reported a median near $293,000 in May 2025. South Hill holds 19th century houses on steep lots. Croixwood, Settlers Glen, and Liberty on the Lake sit west of downtown with newer construction and flatter yards.

Source: Redfin Stillwater neighborhood data, as of

Which school district serves Stillwater, MN?

One district covers the city. Stillwater Area Public Schools, Independent School District 834, enrolls roughly 8,300 students across seven elementary schools, two middle schools, one high school, and an alternative learning center. The district runs about 30 miles along the St. Croix River from Marine on St. Croix down to Afton and covers roughly 150 square miles. Minnesota's first schoolhouse was built here in 1848. Attendance boundaries shift, so verify a specific address with the district.

Source: Stillwater Area Public Schools,

How long is the commute from Stillwater to the Twin Cities?

Plan on roughly 30 minutes off-peak to downtown St. Paul, about 20 miles by way of Minnesota Highway 36 west to Interstate 694 and Interstate 94. Downtown Minneapolis runs closer to 40 minutes across 26 miles. Census data puts the average commute for Stillwater residents at 20.1 minutes, because a large share work in Woodbury, Oakdale, and Maplewood rather than either downtown. Snow and the Interstate 35W interchange both add time.

Source: U.S. Census Bureau ACS via Data USA,

What landmarks and outdoor spots define Stillwater?

Five places explain this city. The Stillwater Lift Bridge, completed in 1931, still lifts for river traffic and now carries walkers and cyclists. Lowell Park lines the riverfront at 201 Water Street North. Main Street forms the Stillwater Commercial Historic District. Brown's Creek State Trail runs 5.9 paved miles inland. Lake McKusick sits just north of downtown with a boardwalk loop.

Source: Minnesota DNR and City of Stillwater,

Who lives in Stillwater, MN?

About 19,355 residents, per the most recent American Community Survey. Median household income runs near $105,853, and the median age lands close to 42.5. Owners occupy roughly 76.7 percent of housing units, which keeps turnover low. The median property value stood at $414,200 in 2024, up 4.04 percent from the year before. About a quarter of the housing stock predates 1940.

Source: U.S. Census Bureau ACS via Data USA,

What are the latest Stillwater market stats?

Redfin's most recently reported month showed a median sale price of $432,500, a median of 37 days on market, and 19 homes sold. The sale-to-list ratio came in at 99.5 percent, with 31.6 percent of homes closing above list and 11.5 percent taking a price drop. Zillow put the average Stillwater home value at $443,631 in April 2026, up 1.7 percent year over year.

Source: Redfin Stillwater market data and Zillow Home Value Index,
Schools

One district, thirty miles of river.

Stillwater sits inside Stillwater Area Public Schools, Independent School District 834. The district serves about 8,300 students across seven elementary schools, two middle schools, Stillwater Area High School, and the St. Croix Valley Area Learning Center, plus an early childhood family center. Its boundary stretches roughly 30 miles along the St. Croix River from Marine on St. Croix to Afton and takes in Lake Elmo, Oak Park Heights, Bayport, and parts of Woodbury. Attendance areas are set by street address, not by neighborhood name, so confirm any address directly with the district before you write an offer. Ratings and boundaries both change year to year.

Stillwater Area High School

Public · Grades 9-12
  • 5701 Stillwater Boulevard North, Stillwater, MN 55082
  • The district's only comprehensive high school
  • Home of the Pony Activity Center, used by students and residents

Stillwater Area Public Schools, ISD 834

Stillwater Middle School

Public · Grades 6-8
  • 523 West Marsh Street, Stillwater, MN 55082
  • Serves the eastern half of the district
  • Walking distance from the South Hill neighborhood

Stillwater Area Public Schools, ISD 834

Oak-Land Middle School

Public · Grades 6-8
  • 820 Manning Avenue North, Lake Elmo, MN 55042
  • Serves the western and southern attendance areas
  • Roughly ten minutes from Croixwood by car

Stillwater Area Public Schools, ISD 834

Stonebridge Elementary

Public · Grades PreK-5
  • 900 Owens Street North, Stillwater, MN 55082
  • Sits between the North Hill and Lake McKusick
  • One of seven district elementary schools

Stillwater Area Public Schools, ISD 834

Lily Lake Elementary

Public · Grades PreK-5
  • 2003 West Willard Street, Stillwater, MN 55082
  • Serves South Hill and Croixwood addresses
  • Adjacent to the Lily Lake recreation area

Stillwater Area Public Schools, ISD 834

Rutherford Elementary

Public · Grades PreK-5
  • 115 West Settlers Way, Stillwater, MN 55082
  • Serves Settlers Glen and Liberty on the Lake
  • West of downtown near the Highway 36 corridor

Stillwater Area Public Schools, ISD 834

Source: Stillwater Area Public Schools school directory, retrieved . GreatSchools ratings are not shown because current verified ratings were not available at publication. Confirm attendance boundaries with the district for a specific address.

Live Listings

Browse current Stillwater listings.

Every active home in 55082 and the surrounding St. Croix Valley, updated straight from the MLS.

View Stillwater Homes For Sale
Activities & Lifestyle

How to spend a Saturday in Stillwater.

The Lift Bridge and Loop Trail

The 1931 Stillwater Lift Bridge closed to cars in 2017 and reopened in 2020. It now anchors a five-mile walking and biking loop that crosses to Houlton, Wisconsin and returns over the St. Croix Crossing.

Brown's Creek State Trail

Brown's Creek State Trail runs 5.9 paved miles from downtown Stillwater to the Gateway State Trail, on the former Minnesota Zephyr rail grade. Two miles hug a designated trout stream; one mile parallels the river.

The Zephyr Theatre

The old Minnesota Zephyr depot at 601 Main Street North is now The Zephyr Theatre, a nonprofit venue running live theatre, concerts, art exhibits, and a winter ice maze in the parking lot.

Lift Bridge Brewing Company

Lift Bridge Brewing at 1900 Tower Drive West pours a dozen taps in a small room off the brewhouse, with outdoor games and a screen for Vikings games.

Market Trends

Reviewed . The figures below come from the most recent month each source has published. They are citywide and rounded, and neighborhood numbers diverge sharply from them.

$432,500
Median Sale Price
As of
37
Median Days on Market
As of
99.5%
Sale to List Ratio
As of
75
Active Listings
As of

Stillwater is balanced, and that is unusual for the east metro. Sellers who prepare a house still collect competing offers, since 31.6 percent of homes closed above list in the most recently reported month. Sellers who test a number sit, and 11.5 percent of listings took a price drop. Both things are true at once, which is what a normal market looks like.

Treat the citywide median as trivia. Redfin marked Downtown Stillwater near $540,000 in September 2025 and the Staples and Mays pocket near $293,000 in May 2025. One number covers riverview condominiums on Main Street; the other covers small older houses on the North Hill. Averaging them produces a figure that describes no house in this city. I price from the block, not the city.

Zillow's home value index put the average Stillwater home at $443,631 in , up 1.7 percent year over year. Read that alongside a 37 day median: prices are flat to slightly up, and timing now matters more than urgency. Inventory sat near 75 active listings in June 2026, which gives a patient buyer real room to compare.

For Stillwater Buyers

Get underwritten, not merely pre-qualified. At the $432,500 median with 20 percent down, principal and interest depend on the rate you lock, so ask your lender for the exact payment before you tour. With a 37 day median, you have time to think, and you should use it on inspections. On a hill or river parcel, budget for a sewer scope, a radon test, and a hard look at the foundation and the shoreline setback.

For Stillwater Sellers

Price to what closed, present the house properly, and resist the urge to test a number. Nearly a third of homes here still close above asking. Nearly one in eight takes a price cut. The difference is almost always preparation and pricing, not the market. Prep and photography cost less than the first price reduction, and far less than the second.

2025 vs 2026 Market Snapshot

Metric 2025 (September Snapshot) 2026 (Most Recent Reported)
Median Sale Price $475,000 $432,500
Median Price / Sq Ft $238 Not published
Median Days on Market 22 37
Homes Sold in the Month 21 19
Sale to List Ratio Not published 99.5%
Percent Sold Over Asking Not published 31.6%

Source: Redfin Stillwater housing market, September 2025 and most recent reported month, and Zillow Home Value Index, , both retrieved . Providers publish on different schedules and use different methodologies, so figures are not strictly comparable and all values are rounded. Cells marked "not published" had no figure released for that period.

Last updated:

Getting Around

Commute times from Stillwater.

Stillwater has one artery and one bridge. Everything else is a variation on those two. Manning Avenue, County Road 15, forms the western city limit and runs south toward Lake Elmo and Woodbury.

MN 36

The way west

Runs from the western edge of town to Interstate 694, which feeds Interstate 94 toward St. Paul and Minneapolis and Interstate 494 toward the airport. Almost every commute starts here.

MN 95

The river road

The St. Croix Scenic Byway, running north and south along the water through Bayport and up past the Boom Site to Marine on St. Croix. Scenic, slow, and rarely the fast way anywhere.

36 E

The way east

Since 2017 Highway 36 crosses into Wisconsin on the St. Croix Crossing, which took through traffic off the old Lift Bridge and put Hudson eighteen minutes away.

Departures · Off Peak Sorted by drive time
Typical off-peak drive times and distances from downtown Stillwater
Destination Via Distance
Tamarack Village
Woodbury
CR 15W
12mi
18min
Hudson
Wisconsin
MN 36E
13mi
18min
Pinnacle Team office
Oakdale
MN 36I-694W
12mi
18min
3M Center
Maplewood
MN 36W
14mi
22min
Downtown St. Paul
Minnesota
MN 36I-694I-94W
20mi
30min
Downtown Minneapolis
Minnesota
MN 36I-694I-94W
26mi
40min
MSP Airport
Minneapolis-St. Paul Intl
MN 36I-694I-494W
30mi
40min

Read the board

The airport sits four miles farther out than downtown Minneapolis and takes the same forty minutes. Interstate 494 keeps moving. Interstate 94 does not.

The river is not the barrier

Hudson is a mile farther than Woodbury and arrives at the same eighteen minutes. Crossing into Wisconsin costs a buyer nothing in drive time.

Distances and drive times are off-peak estimates measured from downtown Stillwater and rounded. Confirm current conditions with MnDOT 511 before you rely on them. Census data reports an average commute of 20.1 minutes for Stillwater residents, per U.S. Census Bureau ACS, .

Local Roots

Little-known Stillwater history.

Stillwater is older than the state it helped create. The town began as a lumber company, became a territorial capital of sorts for one August week, held Minnesota's first prison, and then nearly emptied when the white pine ran out. Almost every street in the historic core carries a piece of that arc.

1843

It started as a company, not a town

Four partners formed the Stillwater Lumber Company on October 26, 1843. Settlers followed the timber and the river traffic, which is why Stillwater predates Minneapolis by several years. It was the largest incorporated place in the state when it became a city on March 4, 1854, the same day as Saint Paul.

Source: Wikipedia and Washington County Historical Society

Maine

The name came from another river town

John McKusick, the community's first mayor, named it for Stillwater, Maine, the lumber town he came from, and for the still water of the St. Croix where log rafts were assembled. Many early residents arrived from Maine's forested regions, bringing logging expertise and the architecture that still lines the hills.

Source: Washington County Historical Society

1848

Minnesota was named at Myrtle and Main

Delegates met in Stillwater on August 26, 1848, adopted the name Minnesota, and appointed Henry Sibley to petition Congress for a territorial government. Minnesota Territory followed on March 3, 1849, and statehood in 1858. A plaque at the corner of Myrtle and Main marks the spot.

Source: Washington County Historical Society

1853

The territorial prison held the Younger brothers

The convention gave Saint Paul the capital, Minneapolis the university, and Stillwater the prison. Completed by 1853 in Battle Hollow, a ravine north of downtown, the Minnesota Territorial Prison later held Cole, Jim, and Bob Younger of the James-Younger Gang. The Warden's House, built the same year, is now a museum.

Source: Washington County Historical Society

1888

The first electric lights west of Chicago

The lumber money built a golden age. Stillwater had gas lights in 1875, downtown telephone service in 1878, the first electric lights west of Chicago in 1888, and Minnesota's first electric street railway in June 1889. It also carried as many as 46 saloons and six breweries.

Source: Washington County Historical Society

1931

The Lift Bridge cost $460,174

Minnesota and Wisconsin split the cost evenly. The vertical-lift span carried Highway 36 traffic until 2017, when the St. Croix Crossing opened downstream. In 2020 the old bridge became part of a five-mile pedestrian and bicycle loop through Stillwater and Houlton, Wisconsin, and it still lifts for river traffic.

Source: Wikipedia and MnDOT

Eat & Shop

Where Stillwater dines and shops.

Downtown Stillwater packs more than fifty independent storefronts into roughly five river-facing blocks of Main Street, a stretch listed on the National Register as the Stillwater Commercial Historic District. Kitchens run from a 1950s malt shop to a wine cellar with hundreds of bottles. Retail leans heavily toward antiques, books, and the kind of shop that has been in the same family for decades. Nearly everything below is within a ten minute walk of the Lift Bridge.

Dining

LoLo American Kitchen

Restaurant

American street food · $$

A chef-driven kitchen with an open pass, built around regional American street food and local suppliers. The craft bar is the reason many people come back. Opened in 2013 and still busy on a Tuesday.

233 S Main St, Stillwater, MN 55082

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Domaćin Restaurant, Lounge & Wine Shop

Wine Bar

Modern American · $$$

Hundreds of wines by the bottle plus a deep list by the glass, served alongside modern American plates. There is a lounge that takes walk-ins, a private cellar room, and a wine shop on site.

102 2nd St S, Stillwater, MN 55082

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Feller

Restaurant

Northern Midwest · $$$

Menus built on Midwest-sourced ingredients that lean into Minnesota's foraging and hunting traditions. The dining room sits inside old limestone, which gives the place a cave-like calm on a hot afternoon.

402 S Main St, Stillwater, MN 55082

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The Freight House

River Deck

American · $$

A converted rail freight depot with one of the largest outdoor decks downtown, looking straight at the Lift Bridge and the Loop Trail. Live music on summer weekends and a long taproom inside.

305 Water St S, Stillwater, MN 55082

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Leo's Grill & Malt Shop

Malt Shop

Burgers and malts · $

A 1950s-styled corner grill at Main and Chestnut, right at the foot of the Lift Bridge road. Burgers, malts, and a walk-up ice cream window that draws a line most summer evenings.

131 S Main St, Stillwater, MN 55082

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Lowell Inn

Historic Inn

Fine dining and fondue · $$

Listed on the historic registry, the Lowell Inn keeps three dining rooms, a garden room, and a ballroom above 35 guest rooms. Afternoon tea in the lobby is a long-running local tradition.

102 2nd St N, Stillwater, MN 55082

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Shopping

Midtown Antique Mall

Antiques

Antiques and vintage · $$

Three floors and more than 80 dealers, widely described as the largest antique mall in the Upper Midwest. Furniture, lamps, rocks and fossils, and a great deal you did not plan to buy.

301 S Main St, Stillwater, MN 55082

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Valley Bookseller

Bookstore

Independent books · $$

An independent bookshop with an attached coffee counter, a block from the river. Sections are clearly labeled, dogs are welcome, and the staff will hide a birthday purchase in front of your kid.

217 Main St N, Stillwater, MN 55082

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Staples Mill Antiques

Antiques

Antiques and collectibles · $$

Housed in a converted mill building on the north end of Main Street, named for the lumber baron Isaac Staples. Roomier aisles than most antique shops and a well-organized floor.

410 Main St N, Stillwater, MN 55082

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Darn Knit Anyway

Fiber Arts

Yarn and notions · $$

A large yarn and fiber-arts shop with knitting nooks tucked around the corners, a substantial sale section, and staff who will wind your skeins while you browse.

423 S Main St, Suite 423b, Stillwater, MN 55082

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Stillwater Olive Oil Company

Specialty Food

Oils and vinegars · $$

Fused and infused olive oils and aged balsamic vinegars, all of it open for tasting before you commit. Travel-sized bottles make it the default hostess gift on this street.

231 S Main St, Stillwater, MN 55082

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Chef's Gallery

Kitchen Goods

Cookware and housewares · $$

A long-running kitchen and housewares shop in the middle of Main Street, stocking cookware, tools, and the gadget you did not know had a name until you asked.

324 S Main St, Stillwater, MN 55082

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A sampling of well-regarded local spots, not an exclusive list or paid placement. Addresses verified via Google Places, . Hours change; call ahead.

Search The MLS

Find your next Stillwater home.

From Main Street condominiums to river cabins north of the Boom Site, see everything active right now.

Search Stillwater Listings
Amenities & Services

Everyday amenities and services across Stillwater.

What exists here, from parks and ice rinks to hospitals, libraries, and the city's single trash hauler. Availability shifts by address, so use the linked official sources to confirm details for a specific property.

Daily Errands

Groceries, pharmacies, and errands

The full-service grocery is Cub at 1801 Market Drive, with a pharmacy and deli inside, sitting in the Highway 36 retail corridor alongside Target. Downtown covers specialty food at Stillwater Olive Oil Company and produce seasonally at Axdahl's Garden Farm on Manning Avenue North.

Source: USPS and Google Places,
Health Care

Hospital, urgent care, and pets

Lakeview Hospital at 927 Churchill Street West is the city's HealthPartners hospital, open around the clock with an emergency department, surgery, and imaging. Additional urgent care, dental, and veterinary clinics cluster along Curve Crest Boulevard and the Highway 36 frontage road west of downtown.

Source: HealthPartners Lakeview Hospital
Taprooms & Cafes

Beer, coffee, and wine

Lift Bridge Brewing pours at 1900 Tower Drive West. Tin Bins Cafe at 413 Nelson Street East puts a fireplace and a river deck behind the coffee counter. Domaćin handles wine, and Nelson's Ice Cream on Olive Street West handles the line down the block.

Source: Google Places,
Venues

Theatre, music, and festivals

The Zephyr Theatre at 601 Main Street North programs theatre, live music, and a winter ice maze inside the old Minnesota Zephyr depot. Lowell Park hosts the summer bandstand, Lumberjack Days in July, and the World Snow Sculpting Championship each winter.

Source: Discover Stillwater and Google Places,
Nature & Environment

Stillwater's nature and green space.

The city sits on a bluff above a federally protected river. That single fact shapes the trails, the parks, the setbacks, and the price of a lot with a view. Everything below is within about half an hour of Main Street.

5.9 mi
Brown's Creek State Trail
5 mi
St. Croix Crossing Loop Trail
2 mi
Designated Trout Stream Corridor
1
Minnesota's Only Wild & Scenic River
Preserves

Brown's Creek and the trout corridor

Brown's Creek Nature Preserve sits at the midpoint of the state trail, just south of McKusick Road and Neal Avenue. About two miles of the trail run immediately alongside Brown's Creek, a designated trout stream under a dense broadleaf canopy, with overlooks into a deep ravine at mile 1.4 and mile 2.1.

Source: Minnesota DNR, Brown's Creek State Trail
Green Space

Canopy inside the city limits

Pioneer Park at 515 Second Street North holds a bandshell and a bluff-edge lawn ringed by historic houses. Teddy Bear Park builds a play structure into a hillside two blocks off Main. The eastern mile of Brown's Creek State Trail runs a wooded corridor directly beside the river before it reaches downtown.

Source: City of Stillwater and Minnesota DNR
Civic & Practical Data

Utilities, taxes, and city services.

The unglamorous questions buyers ask on the drive home, answered with links to the agency that actually sets the rate. Rates and schedules change; confirm current figures against a specific address before you budget.

Property Taxes
Washington County Taxpayer Services

Minnesota sets no single rate. Each taxing jurisdiction adopts a levy, which is divided by the local tax base. Bills are due in two equal installments on May 15 and October 15.

Transfer Tax
Minnesota Department of Revenue

Minnesota charges a state deed tax of 0.33 percent of the sale price, customarily paid by the seller. Stillwater levies no separate city transfer tax.

Electricity & Gas
Xcel Energy

Xcel Energy supplies both electricity and natural gas to Stillwater addresses. The city lists 1-800-895-1999 as the number for new residents setting up service.

Water & Sewer
City of Stillwater Public Works

Municipal water comes from eight wells feeding one water tower, chlorinated and fluoridated to Department of Health standards. Wastewater is treated by Met Council. Some outlying properties still use private wells.

Trash & Compost
Waste Management

Stillwater runs organized collection with one hauler for all residential properties. Rates are set in the city contract and rise each July 1. Extra bags outside the cart carry a per-bag charge.

Recycling
Washington County

Recycling and yard waste ride on the same hauler contract. Two line items appear on every bill: a state Solid Waste Management Tax of 9.75 percent for residential service, and a 35 percent County Environmental Charge.

Internet
Comcast Xfinity

The city directs new residents to Comcast at 651-222-3333 for cable and internet. Availability of fiber and fixed wireless varies block by block, so check a specific address before you assume speed.

City Services
City of Stillwater

City Hall sits at 216 Fourth Street North and answers at 651-430-8800, weekdays 8:00 a.m. to 4:30 p.m. Building and engineering questions route to 651-430-8825 and 651-430-8830.

Flood & Fire Maps
FEMA Flood Map Service Center

Riverfront and low-lying parcels near Lowell Park sit inside mapped floodplain. Pull the FEMA panel for any address on the river before you write an offer, and ask the insurer for a quote in writing.

Sources: City of Stillwater Residents Guide, Stillwater Garbage & Recycling, Washington County Property Tax, Minnesota Department of Revenue Deed Tax, and FEMA. Retrieved . Rates change annually.

Victorian style house framed by a mature garden, similar to homes on the Stillwater hills
Mark J.

A first-time buyer who worked with Chantell in 2023 wrote that she truly has your best interests in mind, describing her as knowledgeable and patient with every question.

5.0 Zillow
Tudor style homes along a leafy residential street, similar in character to older Stillwater neighborhoods
Tylerbonikowske

Was very helpful in helping me find and buy my first home. Responded to any questions I had very quickly. Helped guide me through the process that can be overwhelming at times. Overall a Great person to work with and would definitely recommend if you are looking to buy or sell your home. . .

5.0 Zillow
Testimonials

Happy clients.

Chantell Hendrix has spent nearly 30 years in the St. Croix River Valley, the last five on the river itself. A REALTOR with The Pinnacle Team at eXp Realty, licensed in both Minnesota and Wisconsin, she handles waterfront homes, historic hill houses, and the cross-border moves most agents pass off. She runs her Stillwater practice on one rule: advice first, pressure never.

Source: Zillow, The Pinnacle Team at eXp Realty profile, review dated .

Communities I Serve

Featured Stillwater neighborhoods.

One city, several markets. A Main Street condominium and a Croixwood rambler share a mailing address and nothing else. Where a verified median is available it is cited; where none has been published, the card points you at live listings instead of guessing. Tell me your budget and your commute and I will narrow six to two. Every neighborhood on this page is open to every buyer.

Historic Commercial District

Downtown Stillwater

Median $540,000 (Sept 2025)

Condos & LoftsMain StreetRiver Views

Condominiums and lofts inside the National Register historic district, a block from Lowell Park and the Lift Bridge. Redfin reported a median sale price near $540,000 in September 2025. Some riverfront parcels sit in mapped floodplain, so check the FEMA panel before you write.

View Homes

Bluff Above Downtown

South Hill

Price varies, view live listings

Victorian HomesWalk To MainSteep Lots

Nineteenth century houses climbing the bluff south of Chestnut Street, many of them lumber-era. Stillwater Middle School sits inside the neighborhood on West Marsh Street. Expect stairs, old foundations, and a five minute walk down to Main Street.

View Homes

North Hill Pocket

Staples & Mays

Median $293,000 (May 2025)

Entry PriceOlder HomesPioneer Park

A compact grid of smaller older houses on the North Hill, named for two lumber-era families. Redfin reported a median sale price near $293,000 in May 2025, the lowest of the named Stillwater neighborhoods. Pioneer Park and the Brown's Creek trailhead are both close.

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Seventies Planned Development

Croixwood

Price varies, view live listings

Single FamilyTree-LinedLily Lake Elementary

Stillwater's first large planned residential development, built west of downtown in the 1970s. Spacious lots, mature trees, and a mix of ramblers and split levels. Lily Lake Elementary and the Highway 36 corridor are both minutes away.

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Master Planned Community

Liberty on the Lake

Price varies, view live listings

Newer BuildSidewalksRutherford Elementary

A traditional neighborhood development on the western edge of the city, with front porches, alley garages, sidewalks, and a village green. Rutherford Elementary serves the area. This is where buyers land when they want new construction inside ISD 834.

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West Of Downtown

Settlers Glen

Price varies, view live listings

Two-Story HomesQuiet StreetsGateway Trail Access

Later-built two-story homes on quiet side streets, backing onto natural berms and mature trees. Minutes from downtown, Highway 36, the Gateway Trail, and the Market Drive shopping corridor. Rutherford Elementary and Oak-Land Middle serve much of the area.

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Explore All Communities

Source: Redfin Stillwater neighborhood pages, retrieved . Medians are shown only where a source published one. Neighborhood medians move month to month and describe past sales, not future prices.

Homes set along a calm lake with tree reflections, echoing waterfront property on the St. Croix

River

Nearly 30 years in the valley and five living on the water. I know which bends flood, which shorelines need a permit, and which cabin is worth the drive.

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Elegant two story home with a driveway at twilight, clarity for Stillwater clients

Clarity

I worked as a paralegal before real estate. Contracts, disclosures, and deadlines get read carefully and explained in plain words before you sign anything.

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Lakeside cottage with a wooden dock and autumn foliage, representing riverfront cabins near the St. Croix

Reach

Licensed in Minnesota and Wisconsin. One agent for a search that crosses the St. Croix Crossing, with the same standard on both sides of the river.

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Client Experience

What it's like to work with Chantell.

Most of my clients are in the middle of something larger than a house. Upsizing in the suburbs, downsizing into a Main Street condominium, moving across the Minnesota and Wisconsin border, or finally buying the cabin they have driven past for fifteen years. Those are life transitions first and transactions second, and I treat them that way. My background as a paralegal means I read the disclosure package before you do, and I tell you what I found rather than what sounds good.

The practical part is simple. Clear communication, real market data instead of a citywide average, and proven marketing when you sell. If a house is wrong for you, I say so out loud, even when the market rewards hesitation with a lost deal. Nearly 30 years in the St. Croix River Valley and five on the river itself have taught me that the right house is worth waiting one more weekend for.

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Ready When You Are

Let's talk about your Stillwater move.

Chantell Hendrix has spent nearly 30 years in the St. Croix River Valley and specializes in waterfront homes, historic hill houses, and cross-border moves between Minnesota and Wisconsin. Six months out or ready next week, the first step is the same: one conversation, no pressure, and an honest answer about your timeline.

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Frequently Asked Questions

What Stillwater buyers and sellers actually ask.

Buying in Stillwater usually runs six to eight weeks from accepted offer to closing. You get pre-approved, tour homes, submit an offer, complete inspection and appraisal, then close at a title company. Stillwater has two very different housing pools: 19th century homes on the North and South Hills, and newer construction west of downtown near Croixwood and Liberty on the Lake. Older river-adjacent homes often need a sewer scope, radon test, and a careful look at foundations, so I build those contingencies into offers. A contingency is simply a condition that must be met before the sale becomes final.
Stillwater's most recently reported month showed a median sale price of $432,500, a median of 37 days on market, and a 99.5 percent sale-to-list ratio, with 31.6 percent of homes selling above list price, according to Redfin data. That mix means well-prepared listings still attract competition while overpriced homes sit. Zillow put the average Stillwater home value at $443,631 in April 2026, up 1.7 percent year over year. Read those two numbers together: prices are flat to slightly up, and timing matters more than it did in 2021.
Selling starts with a comparative market analysis, which is a review of recent nearby sales used to set a realistic list price. Sellers in Minnesota typically pay their own agent's fee, a negotiated buyer agent fee if offered, state deed tax of 0.33 percent of the sale price, title and closing fees, and prorated property taxes. Commission rates are not set by law and are always negotiable. I walk sellers through a line-by-line net sheet before we list so there are no surprises at the closing table.
Stillwater is served by Stillwater Area Public Schools, Independent School District 834, which enrolls roughly 8,300 students across seven elementary schools, two middle schools, one high school, and an alternative learning center. The district stretches about 30 miles along the St. Croix River from Marine on St. Croix down to Afton and covers roughly 150 square miles. Attendance boundaries change, so confirm any specific address with the district before you write an offer.
From Croixwood, plan on roughly 30 minutes off-peak to downtown St. Paul, about 20 miles via Minnesota Highway 36 west to Interstate 694 and Interstate 94. Rush hour adds ten to twenty minutes, and winter weather adds more. Census data puts the average commute for Stillwater residents at 20.1 minutes, which reflects how many people work in Woodbury, Oakdale, and Maplewood rather than downtown.
Yes. The Brown's Creek State Trail runs 5.9 paved miles from downtown Stillwater to the Gateway State Trail in Grant, following the former Minnesota Zephyr rail line. Dogs are welcome on leash. Lowell Park along the riverfront and Pioneer Park on the North Hill both allow leashed dogs, and the St. Croix Crossing Loop Trail gives you a five-mile walking and biking circuit over the historic Lift Bridge and the newer crossing.
Cub at 1801 Market Drive is the main full-service grocery store, about two miles west of downtown near the Highway 36 corridor, with a pharmacy and deli on site. For specialty items, Stillwater Olive Oil Company sits at 231 South Main Street in the heart of the historic district. Axdahl's Garden Farm on Manning Avenue North sells local produce seasonally.
Lowell Park sits at 201 Water Street North right on the St. Croix riverfront and hosts Lumberjack Days and the World Snow Sculpting Championship. Teddy Bear Park is two blocks south at 207 Nelson Street East. Pioneer Park at 515 Second Street North looks down over downtown from the North Hill. The eastern trailhead of the Brown's Creek State Trail is a short walk north on Laurel Street.
Main Street has a dense run of independent kitchens. LoLo American Kitchen sits at 233 South Main Street, Feller at 402 South Main Street, and Leo's Grill and Malt Shop at 131 South Main Street. Domacin Restaurant, Lounge and Wine Shop is a block off Main at 102 Second Street South, and the Freight House serves a large river deck at 305 Water Street South.
Minneapolis-St. Paul International Airport is roughly 30 miles from downtown Stillwater and takes about 40 minutes off-peak. The usual route is Minnesota Highway 36 west to Interstate 694 south, then Interstate 494 west to the airport exits. Give yourself an extra half hour during weekday rush hours and in snow.
Yes. Minnesota allows remote online notarization and electronic signatures on most purchase documents, so out-of-state buyers regularly close without traveling twice. I record walkthrough video for every showing, share inspection reports the day they land, and coordinate with your lender and the title company on timing. Buyers moving from Wisconsin often want a side-by-side comparison of property tax treatment, and I am licensed in both states.
Look first at Staples and Mays on the North Hill, where Redfin reported a median sale price of $293,000 in May 2025, and at townhomes in Croixwood and Settlers Glen west of downtown. Downtown Stillwater condos carry a higher median, reported at $540,000 in September 2025. Price is only half the question. Older hill homes trade lower square footage and steeper lots for walkability to Main Street.
Minnesota Housing offers the Start Up program for first time buyers, which pairs a fixed-rate mortgage with downpayment and closing cost loans for buyers who meet income and purchase price limits. Conventional loans with three percent down, FHA loans with 3.5 percent down, and zero-down VA and USDA loans all appear regularly in Washington County. Talk to a lender before you tour, because a pre-approval letter is what makes your offer credible.
Late April through June is the deepest buyer pool in Stillwater, and river-view homes show best once the trees leaf out and the Lift Bridge starts its summer lift schedule. Even so, the most recently reported month showed only 19 homes sold, and competition among sellers thins considerably in winter. A well-priced, well-photographed home in February can outperform an average home in May.
Free Buyer's Guide

Everything you need to know about buying in Stillwater, in one guide.

Twenty Four pages written from St. Croix Valley transactions and nearly 30 years of living here. No fluff and no sales pitch. The market, the district, the numbers, and the questions to ask before you tour anything.

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Pages of Insight
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Or Reach Chantell Directly
Phone715-441-2769 EmailChantell.Hendrix@ThePinnacleTeamUS.com
OfficeThe Pinnacle Team at eXp Realty · 7300 Hudson Blvd., Ste. 165, Oakdale, MN 55125
HoursOpen daily, 8:00 AM to 9:00 PM. Call or text anytime.
Stillwater, Minnesota 55082
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