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 $3,590 (2026).

What school district is this property in?

This property is in the 726 - Becker school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 216 days.

Listed at

$404,900

$175/sqft

Mississippi Cedars

10883 127th Street, Clear Lake, MN, 55319

2 Bedrooms2 Bathrooms2,317 Square Feet1.02 Acres

Days on market216

Year built1971

Garage spaces2

TypeResidential

Est. $9,147buyer credit when you buy with SODL

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About this home

Discover your private oasis nestled along the banks of the mighty Mississippi! This 2 bedroom, 2 bath home sits on 1.02 wooded acres with 135' of river frontage. The primary bedroom offers gorgeous river views with a large walk-in closet just down the hall. Enjoy uninterrupted river views from the living area and step directly onto the expansive deck - perfect for entertaining or morning coffee. Cherrywood floors on the upper level, Tiled bathrooms, Newer roof, Irrigation system, Pole building and storage shed, Septic is compliant, Enjoy the great outdoors from your backyard with easy river access for fishing, kayaking, canoeing, and all the water adventures that make riverfront living so fun! One year Home Warranty included in the sale!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1971

LevelsSplit Entry (Bi-Level)

Living area2,317 sqft

Above-grade finished1,260 sqft

Below-grade finished1,057 sqft

Lot size1.02 acres (65 x 70 x 341 x 100 x 337)

Days on market216

ListedOct 4, 2025

MLS #NST6798628

CountySherburne

SubdivisionMississippi Cedars

Parcel #20004060050

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Baseboard, Boiler, Fireplace(s), Heat Pump, Hot Water, Zoned
Cooling: Ductless Mini-Split, Zoned
Appliances: Cooktop, Dishwasher, Dryer, Electric Water Heater, Fuel Tank - Owned, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 2 spaces · 24 x 24 · 576 sqft
Parking features: Detached Garage, Gravel, Concrete, Electric, Garage Door Opener, Parking Garage
Patio & porch: Deck
Exterior features: Wood
Fencing: Chain Link, Partial

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,260 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1971

Utilities

Water: Drilled, Private, Well
Sewer: Septic System Compliant - Yes, Tank with Drainage Field
Fuel: Propane
Electric: 200+ Amp Service

Community & HOA

Subdivision: Mississippi Cedars
HOA: No HOA
School district: 726 - Becker
High school district: Becker

Financial & listing details

Annual tax: $3,590 (2026)
Listed: Oct 4, 2025
Days on market: 216 · 159 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Egress Window(s), Finished, Full, Storage Space, Tile Shower

HeatingBaseboard, Boiler, Fireplace(s), Heat Pump, Hot Water, Zoned

CoolingDuctless Mini-Split, Zoned

Fireplaces1

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup

AppliancesCooktop, Dishwasher, Dryer, Electric Water Heater, Fuel Tank - Owned, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningBreakfast Area, Eat In Kitchen, Living/Dining Room, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), Deck, Ethernet Wired, French Doors, Hardwood Floors, Kitchen Window, Local Area Network, Panoramic View, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Exterior & lot

ExteriorWood

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area1,260 sqft

Patio/porchDeck

Lot featuresAccessible Shoreline, Tree Coverage - Heavy

Road frontagePaved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private, Well

SewerSeptic System Compliant - Yes, Tank with Drainage Field

FuelPropane

Parking & garage

ParkingDetached Garage, Gravel, Concrete, Electric, Garage Door Opener, Parking Garage

Garage spaces2

Garage size576 sqft

Financial details

Annual taxes$3,590

Tax year2026

Taxes w/ assessments3590

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District726 - Becker

District number726

District phone7632614502

High schoolBecker

SODL flat fee brokerage

$9,147Estimated buyer credit

SODL platform fee $3,000Your buyer credit $9,147

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.

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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

$2,562/mo

Principal & interest$2,128

Property taxes$299

Home insurance (est.)$135

Down payment

$80,980

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.