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 $11,297 (2025).

What school district is this property in?

This property is in the 834 - Stillwater school district.

Does this home have a garage?

Yes, this home has a 6-car garage.

How long has this property been on the market?

This property was listed for 55 days.

Sold / Closed

$2,100,000

Sold price · Closed Aug 14, 2026

$384/sqft

Holts Lndg

12163 Otchipwe Avenue N, Stillwater, MN, 55082

4 Bedrooms5 Bathrooms5,593 Square Feet1.584 Acres

Days on market55

Year built1994

Garage spaces6

TypeResidential

Est. $61,500buyer credit when you buy with SODL

About this home

Ready to enjoy summer on the lake? This is it! Rarely does an opportunity on one of the most sought-after recreational lakes, Big Carnelian, become available. Set on a spectacular lot with a gentle slope to the water and approximately 168 feet of frontage, this beautifully updated home was thoughtfully redesigned and expertly renovated by Moser Homes. The layout was opened and redesigned to create seamless flow for entertaining while maximizing the stunning lake views. The open-concept living spaces showcase a beautiful white enamel kitchen complete with a large center island, high-end appliances, and lovely dining area with breathtaking lake views. Additional highlights include a beautiful stacked stone fireplace, spacious main-level primary suite with an impressive walk-in closet, and main-floor laundry. An upper-level loft provides additional flex space, while the walkout lower level features three additional bedrooms, three bathrooms, and great recreation space. The large four-season porch is the perfect transition space from the lake or hot tub, sits adjacent to the sauna, and could also function well as an exercise room. Enjoy gorgeous year-round lake views from the home, expansive deck, lower patio with hot tub, fire pit, and beautifully landscaped yard. Beautiful exterior with timeless stonework and architectural details and a gracious front porch that warmly welcoming guests. An attached two-car garage and detached four-car garage offer abundant space for lake toys and storage. Just minutes from downtown Stillwater and a short drive to the Twin Cities, why drive to a cabin when you can enjoy lake life year-round from the comfort of your beautiful home?

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1994

LevelsModified Two Story

Living area5,593 sqft

Above-grade finished3,352 sqft

Below-grade finished2,241 sqft

Lot size1.584 acres (3 parcels - irregular shape)

Days on market55

ListedMay 25, 2026

MLS #NST7066305

CountyWashington

SubdivisionHolts Lndg

Parcel #3403120440016

Facts & features

Interior

Bedrooms: 4
Bathrooms: 5
Bath breakdown: 2 full / 2 3/4 / 1 half
Heating: Forced Air, In-Floor Heating
Cooling: Central Air
Appliances: Chandelier, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Wine Cooler

Property

Levels / stories: Modified Two Story
Garage: 6 spaces · 23x26 · 598 sqft
Parking features: Attached Garage, Detached Garage
Patio & porch: Deck, Patio, Porch
Exterior features: Stone, Cedar
Fencing: Partial, Wood

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Poured Concrete · 2,452 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1994

Utilities

Water: Well
Sewer: Private Sewer
Fuel: Natural Gas

Community & HOA

Subdivision: Holts Lndg
HOA: No HOA
School district: 834 - Stillwater
High school district: Stillwater

Financial & listing details

Annual tax: $11,297 (2025)
Tax with assessments: 11300
Listed: May 25, 2026
Days on market: 55
Manufactured home: Yes

Interior details

Total bathrooms5

Full baths2

3/4 baths2

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Egress Window(s), Finished, Full, Walkout

HeatingForced Air, In-Floor Heating

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesChandelier, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Wine Cooler

DiningEat In Kitchen, Informal Dining Room, Kitchen/Dining Room, Living/Dining Room

AccessibilityNone

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

Exterior & lot

ExteriorStone, Cedar

RoofAge Over 8 Years, Asphalt

FoundationPoured Concrete

Foundation area2,452 sqft

Patio/porchDeck, Patio, Porch

Lot featuresTree Coverage - Medium

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerPrivate Sewer

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Detached Garage

Garage spaces6

Garage size598 sqft

Financial details

Annual taxes$11,297

Tax year2025

Taxes w/ assessments11300

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District834 - Stillwater

District number834

District phone6513518301

High schoolStillwater

SODL flat fee brokerage

$61,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $61,500

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

$12,957/mo

Principal & interest$11,299

Property taxes$941

Home insurance (est.)$717

Down payment

$430,000

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.