Listed at
$2,949,000
$789/sqft

11389 E Steamboat Bay Road

11389 E Steamboat Bay Road, East Gull Lake, MN, 56401
5  Bedrooms6  Bathrooms3,740  Square Feet0.7  Acres
Days on market129
Year built2026
Garage spaces3
TypeResidential
Est. $85,470buyer credit when you buy with SODL
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About this home

There are a handful of properties on Gull Lake where the setting does the talking. This is one of them. Panoramic north and west lake and sunset views frame this ~3,700 sq. ft. new-construction retreat with 5 bedrooms and 6 baths. Enjoy an exceptional location on Steamboat Bay of Gull Lake. Designed for year-round comfort, the build quality is deliberate and features 2x6 construction, insulated interior walls and floors, a concrete block foundation, and a heated garage with radiant in-floor heat extended into key bath areas. Inside enjoy multiple primary suites, heated tile floors, high-end kitchen appliances, three fireplaces for inviting gathering spaces, and a fully finished walk-out lower level with its own living space. A full smart home system integrates lighting, thermostats and security cameras with app/Alexa control with geofencing so the home is ready when you arrive. Engineered LP siding with stone-look accents, concrete edging, and granite landscape features compliment the lakefront setting with approximately 150 feet of Gull Lake frontage with excellent sand bottom. A private well with water softener, city sewer, and Minnesota Power electric complete this thoughtfully crafted modern lake home. Walk, bike or use a golf cart to connect to the amenities of the south end of Gull Lake using the current trail system. Step into the lifestyle you’ve been waiting for and discover the opportunity to make this exceptional home your own.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2026
LevelsTwo
Living area3,740 sqft
Above-grade finished3,080 sqft
Below-grade finished660 sqft
Lot size0.7 acres (150 x 229 x 126 x 207)
Days on market129
ListedMay 22, 2026
New constructionYes
MLS #NST7061765
CountyCass
Parcel #870291406

Facts & features

Interior

Bedrooms
5
Bathrooms
6
Bath breakdown
2 full / 3 3/4 / 1 half
Heating
Boiler, Forced Air, In-Floor Heating, Radiant
Cooling
Central Air
Appliances
Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

Property

Levels / stories
Two
Garage
3 spaces · 25 x 36 · 854 sqft
Parking features
Attached Garage, Asphalt, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage
Exterior features
Cement Board, Engineered Wood
View
Lake, North, Panoramic, West
Waterfront
Lake Front

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
Block · 1,616 sqft
Roof
Metal, Pitched
New construction
Yes

Utilities

Water
Drilled
Sewer
City Sewer/Connected
Fuel
Natural Gas
Electric
200+ Amp Service

Community & HOA

HOA
No HOA
School district
181 - Brainerd
High school district
Brainerd

Financial & listing details

Annual tax
$10,594 (2026)
Tax with assessments
10680
Listed
May 22, 2026
Days on market
129
Manufactured home
Yes

Interior details

Total bathrooms6
Full baths2
3/4 baths3
Half baths1
1/4 baths0
BasementBlock
HeatingBoiler, Forced Air, In-Floor Heating, Radiant
CoolingCentral Air
Fireplaces3
LaundryMain Level
AppliancesDishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler
DiningBreakfast Bar, Kitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Dock, Hardwood Floors, Kitchen Center Island, Kitchen Window, Paneled Doors, Panoramic View, Security System, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet
AccessibilityNone
Special featuresMain Floor Laundry

Exterior & lot

ExteriorCement Board, Engineered Wood
RoofMetal, Pitched
FoundationBlock
Foundation area1,616 sqft
Lot featuresTree Coverage - Medium
Road frontagePaved Streets, Private Road
Road responsibilityPrivate Maintained Road
ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled
SewerCity Sewer/Connected
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Floor Drain, Finished Garage, Garage Door Opener, Heated Garage
Garage spaces3
Garage size854 sqft

Financial details

Annual taxes$10,594
Tax year2026
Taxes w/ assessments10680
Assessment pendingNo
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District181 - Brainerd
District number181
District phone2184546900
High schoolBrainerd
SODL flat fee brokerage
$85,470Estimated buyer credit
SODL platform fee $3,000Your buyer credit $85,470

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

$17,364/mo
Principal & interest$15,498
Property taxes$883
Home insurance (est.)$983
%
$589,800
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.

Location

11389 E Steamboat Bay Road, East Gull Lake, MN, 56401

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Listing information

MLS #NST7061765
StatusActive
Last updatedSep 8, 2026, 7:24 PM
Originally listedMay 22, 2026, 1:40 PM
Listing officeKeller Williams Realty Professionals/Larson Group Real Estate

Listing information provided courtesy of the MLS. This information is deemed reliable but is not guaranteed.

Based on information submitted to the MLS GRID. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.