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 $6,248 (2025).

What school district is this property in?

This property is in the 578 - Pine City 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 153 days.

Listed at

$850,000

$274/sqft

12881 Cross Lake Road #12881

12881 Cross Lake Road #12881, Pine City, MN, 55063

4 Bedrooms3 Bathrooms3,098 Square Feet0.4 Acres

Days on market153

Year built2011

Garage spaces2

TypeResidential

Est. $22,500buyer credit when you buy with SODL

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About this home

Welcome to your dream home on the south end of Cross Lake! This beautiful 4+ bedroom Lake home with 100+ feet of lakeshore and great sunsets. Home has an open spacious floorplan, perfect for entertaining and family gatherings. Home is freshly painted, so move-in ready plus lower-level walks out to the lake. Has 2-car attached garage, and a boat house makes room for your lake toys. Great recreation lake with tons of boatable acres or just fish off the dock. Quality home, so come relax, take in the great views or jump on your pontoon to enjoy the lake!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2011

LevelsOne

Living area3,098 sqft

Above-grade finished1,612 sqft

Below-grade finished1,486 sqft

Lot size0.4 acres (104 x 280)

Days on market153

ListedJan 7, 2026

MLS #NST7006002

CountyPine

Parcel #0260540000

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 29 x 24 · 696 sqft
Parking features: Attached Garage, Gravel, Electric, Floor Drain, Garage Door Opener, Insulated Garage
Patio & porch: Deck
Exterior features: Stone, Vinyl
Other structures: Boat House

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 1,612 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 2011

Utilities

Water: Well
Sewer: City Sewer - In Street
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

HOA: No HOA
School district: 578 - Pine City
High school district: Pine City

Financial & listing details

Annual tax: $6,248 (2025)
Tax with assessments: 6238
Listed: Jan 7, 2026
Days on market: 153 · 248 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementBlock, Egress Window(s), Finished, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesDishwasher, Dryer, Electric Water Heater, Exhaust Fan, Water Filtration System, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningKitchen/Dining Room

AccessibilityNone

Exterior & lot

ExteriorStone, Vinyl

RoofAge Over 8 Years, Asphalt

FoundationBlock

Foundation area1,612 sqft

Patio/porchDeck

Lot featuresTree Coverage - Medium

Road frontageCounty Road

Road responsibilityPublic Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water sourceWell

SewerCity Sewer - In Street

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Gravel, Electric, Floor Drain, Garage Door Opener, Insulated Garage

Garage spaces2

Garage size696 sqft

Financial details

Annual taxes$6,248

Tax year2025

Taxes w/ assessments6238

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District578 - Pine City

District number578

District phone3206294010

High schoolPine City

SODL flat fee brokerage

$22,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $22,500

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

$5,271/mo

Principal & interest$4,467

Property taxes$521

Home insurance (est.)$283

Down payment

$170,000

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.