Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $6,268 (2025).

What school district is this property in?

This property is in the 742 - St. Cloud school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property was listed for 9 days.

Sold / Closed

$620,000

Sold price · Closed Feb 20, 2026

$264/sqft

Molitors Add

10870 Grand Lake Road, Cold Spring, MN, 56320

4 Bedrooms2 Bathrooms2,271 Square Feet0.73 Acres

Days on market9

Year built1960

Garage spaces3

TypeResidential

Est. $15,000buyer credit when you buy with SODL

About this home

Rare opportunity on the highly desired south shore of Grand Lake. Originally built as a one-level cabin in 1960, this unique home was significantly expanded in 1984, adding two bedrooms, a shop, and an impressive two-story great room with loft. The home offers 4 bedrooms, 2 bathrooms, and two distinct living areas with an open main gathering space filled with natural light and character. A three-stall garage provides excellent storage for vehicles and lake toys. The large, level lot—a very desirable feature for most lake home buyers-offers easy elevation to the waterfront and ideal southern exposure. A one-of-a-kind property with personality, flexibility, and an irreplaceable lakeside setting.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1960

LevelsThree Level Split

Living area2,271 sqft

Above-grade finished2,271 sqft

Below-grade finished0 sqft

Lot size0.73 acres (100x313x101x328)

Days on market9

ListedDec 23, 2025

MLS #NST7001846

CountyStearns

SubdivisionMolitors Add

Parcel #76420700004

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 half
Heating: Forced Air
Cooling: Central Air
Basement: None · 0 sqft finished

Property

Levels / stories: Three Level Split
Garage: 3 spaces · 806 sqft
Parking features: Attached Garage, Asphalt
Exterior features: Wood
Waterfront: Lake Front
Lot size: 0.73 acres

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 2,072 sqft
Year built: 1960

Utilities

Water: Well
Sewer: City Sewer/Connected
Fuel: Propane

Community & HOA

Subdivision: Molitors Add
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $6,268 (2025)
Tax with assessments: 6276
Listed: Dec 23, 2025
Days on market: 9
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths0

Half baths1

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

Fireplaces1

AccessibilityNone

Exterior & lot

ExteriorWood

FoundationBlock

Foundation area2,072 sqft

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerCity Sewer/Connected

FuelPropane

Parking & garage

ParkingAttached Garage, Asphalt

Garage spaces3

Garage size806 sqft

Financial details

Annual taxes$6,268

Tax year2025

Taxes w/ assessments6276

Assessment pendingYes

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

SODL flat fee brokerage

$15,000Estimated buyer credit

SODL platform fee $3,000Your buyer credit $15,000

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$3,876/mo

Principal & interest$3,153

Property taxes$522

Home insurance (est.)$200

Down payment

$120,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.