Does this property have an HOA?

Yes. The HOA fee is $225 per month.

What are the annual property taxes?

Annual property taxes are $4,459 (2026).

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 2-car garage.

How long has this property been on the market?

This property has been listed for 0 days.

Listed at

$1,300,000

$616/sqft

Crescent Beach

12167 Panama Avenue N, Stillwater, MN, 55082

2 Bedrooms2 Bathrooms2,111 Square Feet1.162 Acres

Days on market0

Year built1956

Garage spaces2

HOA / month$225

TypeResidential

Est. $36,000buyer credit when you buy with SODL

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About this home

Welcome to this beautifully updated 2-bedroom, 2-bathroom lake home on the shores of Big Carnelian Lake in Stillwater, MN! Thoughtfully refreshed with modern updates while maintaining its warm, inviting character, this charming property offers the perfect blend of comfort, style, and lakeside living. Enjoy peaceful mornings, relaxing evenings by the lake, and easy access to all that the Stillwater area has to offer. Whether you’re looking for a year-round residence, weekend retreat, or place to create lasting memories, this special home offers an incredible opportunity to enjoy the beauty and tranquility of lake life.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1956

LevelsSplit Entry (Bi-Level)

Living area2,111 sqft

Above-grade finished1,413 sqft

Below-grade finished698 sqft

Lot size1.162 acres (175x286x25x123x267)

Days on market0

ListedOct 5, 2026

MLS #NST7155021

CountyWashington

SubdivisionCrescent Beach

Parcel #3503120420015

Facts & features

Interior

Bedrooms: 2
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Ductless Mini-Split, Forced Air
Cooling: Central Air
Appliances: Dishwasher, Microwave, Range, Refrigerator

Property

Levels / stories: Split Entry (Bi-Level)
Garage: 2 spaces · 20.10x20.9 · 420 sqft
Parking features: Detached Garage
Patio & porch: Deck, Front Porch
Exterior features: Cement Board
Other structures: Bunk House, Screenhouse

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 839 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1956

Utilities

Water: Well
Sewer: Septic System Compliant - Yes
Fuel: Natural Gas

Community & HOA

Subdivision: Crescent Beach
HOA: $225/annual
HOA name: Private
HOA phone: 7361111111
HOA includes: Other, Snow Removal
School district: 834 - Stillwater

Financial & listing details

Annual tax: $4,459 (2026)
Tax with assessments: 4462
Listed: Oct 5, 2026
Days on market: 0
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementFinished, Full

HeatingDuctless Mini-Split, Forced Air

CoolingCentral Air

Fireplaces2

LaundryMain Level

AppliancesDishwasher, Microwave, Range, Refrigerator

DiningEat In Kitchen, Informal Dining Room

AmenitiesIn-Ground Sprinkler

AccessibilityNone

Special featuresMain Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorCement Board

RoofAge 8 Years or Less, Asphalt

FoundationBlock

Foundation area839 sqft

Patio/porchDeck, Front Porch

Road frontagePrivate Road

Road responsibilityAssociation Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water sourceWell

SewerSeptic System Compliant - Yes

FuelNatural Gas

Parking & garage

ParkingDetached Garage

Garage spaces2

Garage size420 sqft

Financial details

Annual taxes$4,459

Tax year2026

Taxes w/ assessments4462

Assessment pendingNo

HOA fee$225

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District834 - Stillwater

District number834

District phone6513518301

High schoolStillwater

SODL flat fee brokerage

$36,000Estimated buyer credit

SODL platform fee $3,000Your buyer credit $36,000

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

$7,862/mo

Principal & interest$6,832

Property taxes$372

Home insurance (est.)$433

HOA fees$225

Down payment

$260,000

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.