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 $3,998 (2025).

What school district is this property in?

This property is in the 912 - Milaca 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 104 days.

Listed at

$500,000

$230/sqft

Rum River Acres

11370 Gem Street, Milaca, MN, 56353

3 Bedrooms3 Bathrooms2,174 Square Feet5.928 Acres

Days on market104

Year built2007

Garage spaces2

TypeResidential

Est. $12,000buyer credit when you buy with SODL

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About this home

One of a kind home built in 2007 on 6 park like acres. Wake up to views of your own private pond that invite you to explore the river trails leading you to the tranquil Rum River waterfront. Large yard prepared for additional outbuilding to the south of the home is ready for your dream shop to be built. Perfect for those looking for the cozy feeling of being at home but also in harmony with nature. A geothermal in-floor heating system runs throughout the first level including the garage keeping your feet nice and cozy throughout the colder seasons. Main level living like no other with primary bedroom complete with spa like private bathroom, Kitchen featuring hickory cabinets and Laundry room all on your main level. The living room features a top of the line Blaze King wood stove and enormous windows to enjoy your pond view. New roof and siding just 2 years ago ensure this home is sure to keep you safe from the elements. This type of home is sure to satisfy all your wants and desires so please schedule a showing today!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2007

LevelsOne and One Half

Living area2,174 sqft

Above-grade finished2,174 sqft

Below-grade finished0 sqft

Lot size5.928 acres (172 x 878)

Days on market104

ListedMay 15, 2026

MLS #NST7074831

CountyMille Lacs

SubdivisionRum River Acres

Parcel #117780040

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Boiler, Geothermal, Wood Stove
Cooling: Central Air, Geothermal
Appliances: Dishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One and One Half
Garage: 2 spaces · 26 x 25 · 650 sqft
Parking features: Attached Garage
Exterior features: Vinyl
Fencing: Chain Link, Partial
Other structures: Storage Shed

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Frame
Foundation: Slab · 1,481 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 2007

Utilities

Water: Drilled, Private
Sewer: Private Sewer, Septic System Compliant - Yes
Fuel: Electric, Propane
Electric: 200+ Amp Service

Community & HOA

Subdivision: Rum River Acres
HOA: No HOA
School district: 912 - Milaca
High school district: Milaca

Financial & listing details

Annual tax: $3,998 (2025)
Listed: May 15, 2026
Days on market: 104 · 41 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementNone

HeatingBoiler, Geothermal, Wood Stove

CoolingCentral Air, Geothermal

Fireplaces1

LaundryMain Level

AppliancesDishwasher, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer

DiningKitchen/Dining Room

AmenitiesCeiling Fan(s), Hardwood Floors, Kitchen Center Island, Main Floor Primary Bedroom, Natural Woodwork, Patio, Vaulted Ceiling(s), Walk-In Closet

AccessibilitySoaking Tub

Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Asphalt

FoundationSlab

Foundation area1,481 sqft

Lot featuresAccessible Shoreline, Irregular Lot, Tree Coverage - Medium, Wetlands

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Private

SewerPrivate Sewer, Septic System Compliant - Yes

FuelElectric, Propane

Parking & garage

ParkingAttached Garage

Garage spaces2

Garage size650 sqft

Financial details

Annual taxes$3,998

Tax year2025

Taxes w/ assessments3998

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District912 - Milaca

District number912

District phone3209827210

High schoolMilaca

SODL flat fee brokerage

$12,000Estimated buyer credit

SODL platform fee $3,000Your buyer credit $12,000

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

$3,128/mo

Principal & interest$2,628

Property taxes$333

Home insurance (est.)$167

Down payment

$100,000

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.