Listed at
$475,000
$282/sqft

12611 103rd Avenue

12611 103rd Avenue, Finlayson, MN, 55735
2  Bedrooms2  Bathrooms1,686  Square Feet0.39  Acres
Days on market52
Year built2022
Garage spaces1
TypeResidential
Est. $11,250buyer credit when you buy with SODL
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About this home

The dock is in! Come take a look at this 2+ bedroom, 2 bath year round lake home/cabin. Located on the East side of Big Pine Lake with great views. Pine lake is a 2 lake chain with close to 800 acres of boatable water. The main level has garage/laundry, living room, dining area facing the lake, a kitchen that also overlooks the lake, and a large wrap around deck. The upper level has 2 bedrooms and 3/4 bath. Lower walkout basement has a non-conforming bedroom and huge entertainment area. Walk out the lower level to the huge sitting area with a fire pit, and then continue to the lake. Storage shed for lake necessities. Use the huge deck to enjoy all the views this property has to offer! Less than 2 hours from the Twin Cities. The home is close to lots of state land for 4 seasons of fun!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2022
LevelsOne and One Half
Living area1,686 sqft
Above-grade finished918 sqft
Below-grade finished768 sqft
Lot size0.39 acres (180 x 106)
Days on market52
ListedMay 17, 2026
MLS #NST7075988
CountyAitkin
Parcel #340038903

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
2 3/4
Heating
Baseboard, Hot Water
Cooling
Window Unit(s)
Appliances
Dryer, Range, Refrigerator, Washer

Property

Levels / stories
One and One Half
Garage
1 space · 13 x 18 · 234 sqft
Parking features
Finished Garage, Gravel, Heated Garage, Insulated Garage, Tuckunder Garage
Exterior features
Engineered Wood
View
Panoramic, West
Waterfront
Lake Front

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 768 sqft
Year built
2022

Utilities

Water
Drilled
Sewer
Private Sewer, Tank with Drainage Field
Fuel
Propane

Community & HOA

HOA
No HOA
School district
2165 - Hinckley-Finlayson
High school district
Hinckley-Finlayson

Financial & listing details

Annual tax
$1,194 (2026)
Listed
May 17, 2026
Days on market
52 · 12 cumulative
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths0
3/4 baths2
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Walkout
HeatingBaseboard, Hot Water
CoolingWindow Unit(s)
AppliancesDryer, Range, Refrigerator, Washer
AccessibilityNone

Exterior & lot

ExteriorEngineered Wood
FoundationBlock
Foundation area768 sqft
Road frontageTownship
ZoningResidential-Single Family

Utilities

Water sourceDrilled
SewerPrivate Sewer, Tank with Drainage Field
FuelPropane

Parking & garage

ParkingFinished Garage, Gravel, Heated Garage, Insulated Garage, Tuckunder Garage
Garage spaces1
Garage size234 sqft

Financial details

Annual taxes$1,194
Tax year2026
Taxes w/ assessments1194
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District2165 - Hinckley-Finlayson
District number2165
District phone3203846277
High schoolHinckley-Finlayson
SODL flat fee brokerage
$11,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $11,250

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

$2,754/mo
Principal & interest$2,496
Property taxes$100
Home insurance (est.)$158
%
$95,000
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.

Location

12611 103rd Avenue, Finlayson, MN, 55735

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Listing information

MLS #NST7075988
StatusClosed
Last updatedJul 10, 2026, 9:52 PM
Originally listedMay 18, 2026, 10:43 AM
Listing officeUnited Country Real Estate Minnesota Properties

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.