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 $2,171 (2026).

What school district is this property in?

This property is in the 599 - Fertile-Beltrami school district.

How long has this property been on the market?

This property has been listed for 122 days.

Listed at

$399,000

$665/sqft

Gammes Sub

12824 Maple Street, Mentor, MN, 56736

2 Bedrooms1 Bathroom600 Square Feet0.322 Acres

Days on market122

Year built1960

ParkingGravel

TypeResidential

Est. $8,970buyer credit when you buy with SODL

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About this home

Seasonal 2 bedroom 1 bathroom cottage located on the shores of Maple lake! Large beautiful lake lot with established trees and scenic views for entertaining or relaxing. Additional features include large deck, screen house, and solid construction utility shed with electricity.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1960

LevelsOne

Living area600 sqft

Above-grade finished600 sqft

Below-grade finished0 sqft

Lot size0.322 acres (75 X 198.72)

Days on market122

ListedMay 29, 2026

MLS #NST7082944

CountyPolk

SubdivisionGammes Sub

Parcel #300044800

Facts & features

Interior

Bedrooms: 2
Bathrooms: 1
Bath breakdown: 1 full
Heating: Other
Cooling: None
Appliances: Microwave, Range, Refrigerator

Property

Levels / stories: One
Parking features: Gravel
Exterior features: Vinyl
Waterfront: Lake Front
Lot size: 0.322 acres
Lot dimensions: 75 X 198.72

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Other · 600 sqft
Year built: 1960

Utilities

Water: Well
Sewer: Other
Fuel: Propane

Community & HOA

Subdivision: Gammes Sub
HOA: No HOA
School district: 599 - Fertile-Beltrami
High school district: Fertile-Beltrami

Financial & listing details

Annual tax: $2,171 (2026)
Tax with assessments: 2600
Listed: May 29, 2026
Days on market: 122
Manufactured home: Yes

Interior details

Total bathrooms1

Full baths1

3/4 baths0

Half baths0

1/4 baths0

BasementNone

HeatingOther

CoolingNone

AppliancesMicrowave, Range, Refrigerator

AccessibilityOther

Exterior & lot

ExteriorVinyl

FoundationOther

Foundation area600 sqft

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerOther

FuelPropane

Parking & garage

ParkingGravel

Garage spaces0

Financial details

Annual taxes$2,171

Tax year2026

Taxes w/ assessments2600

Assessment pendingUnknown

Down payment resourceYes

Lender ownedNo

Short saleNot Disclosed

ForeclosureNo

Schools

District599 - Fertile-Beltrami

District number599

District phone2189456933

High schoolFertile-Beltrami

SODL flat fee brokerage

$8,970Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,970

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

$2,411/mo

Principal & interest$2,097

Property taxes$181

Home insurance (est.)$133

Down payment

$79,800

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.