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 $593 (2025).

What school district is this property in?

This property is in the 181 - Brainerd 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 89 days.

Listed at

$219,900

$234/sqft

12603 Silver Lake Road

12603 Silver Lake Road, Merrifield, MN, 56465

3 Bedrooms2 Bathrooms940 Square Feet1.04 Acres

Days on market89

Year built1985

Garage spaces2

TypeResidential

Est. $3,597buyer credit when you buy with SODL

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About this home

Discover your perfectly reimagined escape in the heart of Minnesota's beloved lakes region! This 3-bedroom, 2-bathroom home has been completely transformed inside and out, including all new doors, exterior siding, window and much more, offering modern living with an enviable location that outdoor enthusiasts will absolutely adore. Step inside to find 940 square feet of thoughtfully renovated living space where every detail has been carefully considered. The fresh, updated interior provides a comfortable sanctuary after days spent exploring the surrounding natural beauty. The expansive outdoor space is complemented by an impressive 26x28 two-stall garage featuring finished, insulated walls, heated comfort, and soaring 10-foot ceilings—perfect for storing boats, ATVs, snowmobiles, or creating your dream workshop. **Location is everything**, and this property delivers. Nestled in a serene single-family residential setting, you'll find yourself minutes from incredible recreational opportunities. Lake Edward Public Water Access and North Long Lake are just a short drive away, while the Mission Lake Wildlife Management Area beckons nature lovers and bird watchers alike. Need equipment for your next adventure? Lakes Area Recreation and Rental is conveniently nearby. The charming town of Merrifield offers small-town warmth, while popular destinations like downtown Nisswa shopping and the renowned Breezy Point Resort provide dining, shopping, and entertainment options just minutes from your door. Whether you're seeking a year-round residence or the ultimate getaway property, this move-in-ready gem combines modern comfort with unparalleled access to Minnesota's spectacular outdoor playground.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1985

LevelsOne

Living area940 sqft

Above-grade finished940 sqft

Below-grade finished0 sqft

Lot size1.04 acres (195x235x200x212)

Days on market89

ListedFeb 2, 2026

MLS #NST7014876

CountyCrow Wing

Parcel #53180546

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: Window Unit(s)
Appliances: Dishwasher, Dryer, Electric Water Heater, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 26x28 · 728 sqft
Parking features: Detached Garage, Gravel, Finished Garage
Patio & porch: Front Porch, Rear Porch
Exterior features: Engineered Wood
Other structures: Garage(s)

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame, Steel Siding
Foundation: Other · 940 sqft
Roof: Age Over 8 Years
Year built: 1985

Utilities

Water: 4-Inch Submersible, Drilled, Private, Well
Sewer: Mound Septic, Private Sewer, Septic System Compliant - Yes
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

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

Financial & listing details

Annual tax: $593 (2025)
Tax with assessments: 618
Listed: Feb 2, 2026
Days on market: 89 · 90 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingWindow Unit(s)

LaundryIn Hall, Main Level

AppliancesDishwasher, Dryer, Electric Water Heater, Range, Refrigerator, Washer, Water Softener Owned

DiningBreakfast Bar, Eat In Kitchen, Informal Dining Room

AmenitiesDeck, Kitchen Window, Main Floor Primary Bedroom, Porch, Washer/Dryer Hookup

AccessibilityNone

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Laundry, Renovated

Exterior & lot

ExteriorEngineered Wood

RoofAge Over 8 Years

FoundationOther

Foundation area940 sqft

Patio/porchFront Porch, Rear Porch

Lot featuresTree Coverage - Medium

Road frontageCounty Road

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled, Private, Well

SewerMound Septic, Private Sewer, Septic System Compliant - Yes

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Gravel, Finished Garage

Garage spaces2

Garage size728 sqft

Financial details

Annual taxes$593

Tax year2025

Taxes w/ assessments618

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District181 - Brainerd

District number181

District phone2184546900

High schoolBrainerd

SODL flat fee brokerage

$3,597Estimated buyer credit

SODL platform fee $3,000Your buyer credit $3,597

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

$1,278/mo

Principal & interest$1,156

Property taxes$49

Home insurance (est.)$73

Down payment

$43,980

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.