Talk about history and uniqueness! Welcome to the recreational hamlets of The Chisago Lakes Area! With all of the small town charm, this handyman special has so many possibilities. This original bank building nestled on North Center Lake and across the street from "The Grumpy Old Men" church has been both a residence and business for over 30 years. The home has all of the character of the original building intact including the bank vault, original wood floors under the carpet, beautiful brick interior and etched front door. With the lake front and current zoning, the property would make not only a great home on the lake but an amazing business! Being on the water with access to the chain of lakes and over 5,000 acres of water, the possibilities are endless. Coffee Shop, Wine Bar, Deli, Gift Shop, Bed and Breakfast, etc... Bring your vision and dock your boat! 30' aluminum dock included!
Closed
$289,900
103 N Main St, Center City, MN 55012
2beds
1,814sqft
Single Family
Built in 1903
2,570.04 Square Feet Lot
$326,000 Zestimate®
$160/sqft
$2,076 Estimated rent
Home value
$326,000
$293,000 - $362,000
$2,076/mo
Zestimate® history
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$1,816/mo
Est. payment
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$1,816/mo
Est. payment
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List your homeWhat's special
Lake frontOriginal wood floorsBeautiful brick interiorBank vault
Zillow last checked:
Listing updated:
Listed by:
Mike Hilber 651-600-2680,
RE/MAX Advantage Plus,
The Minnesota Real Estate Team 952-649-1456
Bought with:
Nick Wimperis
LPT Realty, LLC
Source: NorthstarMLS as distributed by MLS GRID,MLS#: 6784329
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 2
- Bathrooms: 2
- 3/4 bathrooms: 2
Bedroom
- Level: Lower
- Area: 252 Square Feet
- Dimensions: 21x12
Bedroom 2
- Level: Lower
- Area: 195 Square Feet
- Dimensions: 13x15
Bathroom
- Level: Main
- Area: 81 Square Feet
- Dimensions: 9x9
Bathroom
- Level: Lower
- Area: 35 Square Feet
- Dimensions: 5x7
Deck
- Level: Lower
- Area: 725 Square Feet
- Dimensions: 25x29
Deck
- Level: Lower
- Area: 476 Square Feet
- Dimensions: 17x28
Dining room
- Level: Main
- Area: 156 Square Feet
- Dimensions: 12x13
Family room
- Level: Main
- Area: 252 Square Feet
- Dimensions: 21x12
Family room
- Level: Lower
- Area: 130 Square Feet
- Dimensions: 10x13
Flex room
- Level: Lower
- Area: 99 Square Feet
- Dimensions: 9x11
Foyer
- Level: Main
- Area: 84 Square Feet
- Dimensions: 12x7
Kitchen
- Level: Main
- Area: 108 Square Feet
- Dimensions: 12x9
Laundry
- Level: Lower
- Area: 63 Square Feet
- Dimensions: 9x7
Living room
- Level: Main
- Area: 240 Square Feet
- Dimensions: 12x20
Other
- Level: Lower
- Area: 80 Square Feet
- Dimensions: 10x8
Heating
- Forced Air
Cooling
- Central Air
Appliances
- Included: Dryer, Gas Water Heater, Washer
- Laundry: In Basement, Sink
Features
- Basement: Finished,Walk-Out Access
- Has fireplace: No
Interior area
- Total structure area: 1,814
- Total interior livable area: 1,814 sqft
- Finished area above ground: 907
- Finished area below ground: 907
Property
Parking
- Parking features: On Street
- Has uncovered spaces: Yes
Accessibility
- Accessibility features: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Deck
- Has view: Yes
- View description: Panoramic, West, Lake
- Has water view: Yes
- Water view: Lake
- Waterfront features: Dock, Lake Front, Lake View, Waterfront Elevation(15-26), Lake Bottom(Sand)
- Frontage length: Water Frontage: 26
Lot
- Size: 2,570 sqft
- Dimensions: 50 x 27 x 50 x 27
- Features: Accessible Shoreline, Tree Coverage - Medium
Details
- Foundation area: 1000
- Parcel number: 120008600
- Zoning description: Business/Commercial,Shoreline,Residential-Single Family
Construction
Type & style
- Home type: SingleFamily
- Property subtype: Single Family
Materials
- Brick
- Roof: Metal
Condition
- New construction: No
- Year built: 1903
Utilities & green energy
- Electric: 200+ Amp Service, Power Company: Xcel Energy
- Gas: Natural Gas
- Sewer: City Sewer/Connected
- Water: City Water/Connected
Community & neighborhood
Location
- Region: Center City
- Subdivision: Mobecks Outlot To Center City
HOA & financial
HOA
- Has HOA: No
Price history
| Date | Event | Price |
|---|---|---|
| 11/14/2025 | Sold | $289,900$160/sqft |
Source:  NorthstarMLS as distributed by MLS GRID #6784329 Report a problem | ||
| 10/23/2025 | Pending sale | $289,900$160/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6784329 Report a problem | ||
| 9/13/2025 | Listed for sale | $289,900+332.7%$160/sqft |
Source: NorthstarMLS as distributed by MLS GRID #6784329 Report a problem | ||
| 6/18/2010 | Sold | $67,000$37/sqft |
Source: Public Record Report a problem | ||
| 6/21/1999 | Sold | $67,000$37/sqft |
Source: Public Record Report a problem | ||
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2024 | $2,454 -5.4% | $211,500 -6.5% |
| 2023 | $2,594 | $226,100 +21.3% |
| 2022 | $2,594 +16.5% | $186,400 +20.8% |
| 2021 | $2,226 +6.4% | $154,300 |
| 2020 | $2,092 +26.5% | -- |
| 2017 | $1,654 +100% | -- |
| 2016 | $827 -35.6% | -- |
| 2015 | $1,284 -0.6% | -- |
| 2014 | $1,292 -2.4% | $102,300 |
| 2013 | $1,324 -25.9% | -- |
| 2012 | $1,786 +9% | -- |
| 2011 | $1,638 -6.5% | -- |
| 2010 | $1,752 | -- |
| 2009 | -- | -- |
| 2008 | $1,520 +9.8% | -- |
| 2007 | $1,384 -8.7% | -- |
| 2006 | $1,516 +32.3% | -- |
| 2005 | $1,146 +22.6% | -- |
| 2004 | $935 +8.8% | -- |
| 2003 | $859 +9.4% | -- |
| 2002 | $785 | -- |
Find assessor info on the county website
Neighborhood: 55012
Nearby schools
GreatSchools rating
- NAChisago Lakes Elementary SchoolGrades: PK-1Distance: 4.1 mi
- 8/10Chisago Lakes Middle SchoolGrades: 6-8Distance: 0.6 mi
- 9/10Chisago Lakes Senior High SchoolGrades: 9-12Distance: 2 mi
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Estimated market value
$326,000
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Find out how much your home could sell for in as little as 3 minutes with a no-obligation cash offer.
Estimated market value
$326,000
- Minnesota
- Chisago County
- Center City
- 55012
- 103 N Main St
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