Listed at
$899,000
$290/sqft

12881 Cross Lake Road

12881 Cross Lake Road, Pine City, MN, 55063
4  Bedrooms3  Bathrooms3,098  Square Feet0.4  Acres
Days on market390
Year built2011
Garage spaces2
TypeResidential
Est. $23,970buyer 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 Residence
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 market390
ListedSep 2, 2025
MLS #NST6782107
CountyPine
Parcel #0260540000

Facts & features

Interior

Bedrooms
4
Bathrooms
3
Bath breakdown
2 full / 1 half
Heating
Forced Air, Fireplace(s)
Cooling
Central Air
Basement
Block, Drain Tiled, Egress Window(s), Finished, Owner Access, Storage Space, Walkout · 1,486 sqft finished

Property

Levels / stories
One
Garage
2 spaces · 29 x 24 · 696 sqft
Parking features
Attached Garage
Pool
None
Fencing
None
Other structures
Boat House

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
Brick/Stone, Vinyl Siding
Foundation
2,208 sqft
Roof
Age Over 8 Years
Year built
2011

Utilities

Water
Drilled, Well
Sewer
City Sewer - In Street
Electric
200+ Amp Service

Community & HOA

HOA
No HOA
School district
Pine City

Financial & listing details

Annual tax
$6,286 (2024)
Tax with assessments
6276.0000
Listed
Sep 2, 2025
Days on market
390 · 71 cumulative

Interior details

Total bathrooms3
Full baths2
3/4 baths0
Half baths1
1/4 baths0
BasementBlock, Drain Tiled, Egress Window(s), Finished, Owner Access, Storage Space, Walkout
HeatingForced Air, Fireplace(s)
CoolingCentral Air
Fireplaces1
AccessibilityDoors 36"+

Exterior & lot

RoofAge Over 8 Years
Foundation area2,208 sqft
Lot featuresAccessible Shoreline, Many Trees
Road frontageCounty Road
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well
SewerCity Sewer - In Street

Parking & garage

ParkingAttached Garage
Garage spaces2
Garage size696 sqft

Financial details

Annual taxes$6,286
Tax year2024
Taxes w/ assessments6276.0000
Assessment pendingNo
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number578
District phone320-629-4010
High schoolPine City
SODL flat fee brokerage
$23,970Estimated buyer credit
SODL platform fee $3,000Your buyer credit $23,970

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

$5,548/mo
Principal & interest$4,725
Property taxes$524
Home insurance (est.)$300
%
$179,800
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.

Location

12881 Cross Lake Road, Pine City, MN, 55063

Listing information

MLS #NST6782107
StatusActive
Last updatedNov 12, 2025, 6:53 PM
Originally listedSep 3, 2025, 2:13 AM
Listing officeLocal Realty Inc.

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.