Stillwater · VA / Military
Buying a Stillwater Home With a VA Loan
Use the home loan benefit you earned, with a clear plan for your VA purchase in Minnesota.
Using your VA benefit in Stillwater
Your VA benefit can work in Stillwater, and the age of the home is the thing to plan around. I'm Lesley, a REALTOR® with Bridge Realty.
Can I buy an older Stillwater home with a VA loan? An older home can work, and your lender confirms the details. The appraisal for your loan also considers the home's condition, so we review the roof, foundation, wiring, and past updates before you write an offer. A condominium must be in a development the VA has approved, so your lender can check the list before you tour.
Taxes, dues, and your payment
With no down payment, the monthly payment is the number to watch. For each home, we add the property taxes, the insurance, and any association dues to the mortgage. You can look up the tax on any Stillwater home through Washington County's property tax lookup, and the City of Stillwater also has a property information lookup.
Homes near the St. Croix River or Lily Lake need a flood check. If a home is in a flood zone, flood insurance can add to the payment, so we look at FEMA's map with you early.
Choosing the area
Metro Transit Route 294 runs between downtown St. Paul and Stillwater, with a park-and-ride at the St. Croix Valley Rec Center. If you tell us where you will work or drill, we start with the parts of Stillwater that fit the drive. Stillwater Area Public Schools (District 834) serves the city, and you should confirm the assigned school for any address.
Stillwater's homes range widely in age. Some buyers want a historic home in a neighborhood such as South Hill, and others want something newer with fewer projects. We compare both kinds with you, using the same full monthly cost.
If you like the outdoors, Lily Lake Park has pickleball courts and a winter skating rink, and the Lift Bridge loop trail runs nearly five miles between Minnesota and Wisconsin. We can show you which homes sit closest to them.
Next steps
How the VA loan works, step by step, is on our VA and military buyers page. You can also read buying a home in Stillwater, our Stillwater page, and, if you are moving on orders, relocating to Stillwater. Our Oakdale page covers a nearby suburb.
Your lender confirms your eligibility and your numbers. When you are ready, you can send us a message or call (651) 661-4770.
Frequently Asked Questions
Do condos in Stillwater need VA approval?
A condominium must be in a VA-approved development. Your lender can check before you tour.
Do I need a down payment with a VA loan?
Many eligible buyers do not. Your lender confirms what applies to you.
Does a historic home affect my VA purchase?
The appraisal considers condition, so an older home needs a careful review. If the home is in a historic or design review district, exterior changes may also need city review.
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Homes For Sale In Stillwater
See every home on the market in Stillwater right now, updated from the MLS.
Stillwater
What va / military looks like in Stillwater
Stillwater sits on the St. Croix River in Washington County, with a historic downtown, the 1931 Lift Bridge, and a nearly five-mile river loop trail.
Stillwater is a river city we know well, close to Lake Elmo, Oakdale, and Woodbury, and its older homes take a careful look before you buy.
- The homes
- Historic homes in older neighborhoods such as South Hill. Exterior changes in a designated historic district may need city review.
- Schools people ask about
- Stillwater Area Public Schools (District 834) serves Stillwater and 17 other communities. Confirm the assigned school for any address.
- Getting around
- Metro Transit Route 294 runs between downtown St. Paul and Stillwater, with a park-and-ride at the St. Croix Valley Rec Center.
- Nearby
- The St. Croix River, the 1931 Lift Bridge, and a nearly five-mile bicycle and pedestrian loop trail into Wisconsin.
- The trade-off
- Downtown sits in a historic district on the river, so parking is managed with permits and time limits, and some exterior projects need design review.
VA / Military: keep exploring
Ready to make your move with Lesley The Realtor?