Listed at
$649,800
$184/sqft

12478 Mckenzie Road

12478 Mckenzie Road, Bagley, MN, 56621
4  Bedrooms3  Bathrooms3,526  Square Feet11.5  Acres
Days on market31
Year built2007
Garage spaces2
TypeResidential
Est. $16,494buyer credit when you buy with SODL
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About this home

Welcome to Long Lost Lake, where natural beauty, privacy, and peaceful lake living come together. Known for its serene setting and beautiful surroundings, Long Lost Lake features a 10 MPH speed limit, helping preserve the quiet, relaxing atmosphere that makes this lake so desirable. This newly created parcel encompasses 11.5 acres and 380 feet of shoreline, offering an impressive combination of privacy, land, and lake frontage. The impeccably maintained home was built in 2007 and offers more than 3,500 square feet of finished living space, with 4 bedrooms and 3 bathrooms. The main level features a spacious open-concept kitchen, dining, and living area highlighted by a dramatic vaulted ceiling and an abundance of windows that fill the space with natural light. A beautiful fireplace creates a warm and inviting gathering space, while the expansive lakeside deck provides the perfect setting to enjoy the lake views and peaceful surroundings. A portion of the deck is covered, providing a comfortable outdoor space to enjoy throughout the seasons. The main-floor primary bedroom offers convenient access to the full bathroom, featuring a jetted tub, his-and-hers sinks, and a custom-tiled walk-in shower. A main-floor laundry room adds everyday convenience. Upstairs, the loft area includes a spacious bonus room, large bedroom, and 3/4 bathroom, offering flexibility for guests, family, or additional living space. The full walkout basement expands the living space even further with a comfortable family room, additional guest bedroom, hobby room, and full bathroom. Efficient heating and cooling systems help maintain year-round comfort, while the attached, insulated, and heated two-car garage provides excellent storage and convenience. Outside, a tar driveway, beautifully maintained grounds, and attractive landscaping create a welcoming first impression while complementing the property's natural setting. Whether you're looking for a year-round home, a private family lake retreat, or simply a place to enjoy the peace and beauty of northern Minnesota, this exceptional Long Lost Lake property deserves your attention.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2007
LevelsOne and One Half
Living area3,526 sqft
Above-grade finished2,163 sqft
Below-grade finished1,363 sqft
Lot size11.5 acres (380x1364x370x1340)
Days on market31
ListedAug 27, 2026
MLS #NST7134237
CountyClearwater
Parcel #210191000

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Dual Fuel/Off Peak, Forced Air, Fireplace(s), Heat Pump, In-Floor Heating
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories
One and One Half
Garage
2 spaces · 30x26 · 780 sqft
Parking features
Attached Garage, Asphalt, Heated Garage, Insulated Garage
Patio & porch
Covered, Deck, Patio
Exterior features
Log Siding, Wood
View
East, Lake

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Frame
Foundation
ICFs (Insulated Concrete Forms) · 1,380 sqft
Roof
Asphalt
Year built
2007

Utilities

Water
Drilled, Well
Sewer
Private Sewer, Tank with Drainage Field
Fuel
Electric, Wood
Electric
200+ Amp Service

Community & HOA

HOA
No HOA
School district
162 - Bagley
High school district
Bagley

Financial & listing details

Annual tax
$3,852 (2026)
Tax with assessments
3996
Listed
Aug 27, 2026
Days on market
31
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementDaylight/Lookout Windows, Egress Window(s), Finished, Full, Walkout
HeatingDual Fuel/Off Peak, Forced Air, Fireplace(s), Heat Pump, In-Floor Heating
CoolingCentral Air
Fireplaces1
LaundryMain Level
AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener Owned
DiningKitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Exercise Room, Hardwood Floors, Kitchen Window, Natural Woodwork, Other, Patio, Porch, Sauna, Security System, Tile Floors, Vaulted Ceiling(s), Walk-In Closet
AccessibilityNone
Special featuresMain Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorLog Siding, Wood
RoofAsphalt
FoundationICFs (Insulated Concrete Forms)
Foundation area1,380 sqft
Patio/porchCovered, Deck, Patio
Lot featuresIrregular Lot, Tree Coverage - Heavy
Road frontageTownship
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well
SewerPrivate Sewer, Tank with Drainage Field
FuelElectric, Wood

Parking & garage

ParkingAttached Garage, Asphalt, Heated Garage, Insulated Garage
Garage spaces2
Garage size780 sqft

Financial details

Annual taxes$3,852
Tax year2026
Taxes w/ assessments3996
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District162 - Bagley
District number162
District phone2186946184
High schoolBagley
SODL flat fee brokerage
$16,494Estimated buyer credit
SODL platform fee $3,000Your buyer credit $16,494

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

$3,953/mo
Principal & interest$3,415
Property taxes$321
Home insurance (est.)$217
%
$129,960
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

12478 Mckenzie Road, Bagley, MN, 56621

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Listing information

MLS #NST7134237
StatusActive
Last updatedAug 29, 2026, 7:12 PM
Originally listedAug 27, 2026, 9:05 PM
Listing officeeXp Realty

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.