Does this property have an HOA?

Yes. The HOA fee is $800 per month.

What are the annual property taxes?

Annual property taxes are $2,182 (2025).

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 352 days.

Listed at

$375,000

$169/sqft

Stockys Harbor Estates

13087 Twilight Road, Onamia, MN, 56359

4 Bedrooms2 Bathrooms2,219 Square Feet0.14 Acres

Days on market352

Year built1925

Garage spaces2

HOA / month$800

TypeResidential

Est. $8,250buyer credit when you buy with SODL

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About this home

Stunning Historic Craftsmanship on Lake Mille Lacs Experience timeless beauty and modern comfort in this historic 4-bedroom, 2-bath home showcasing exceptional craftsmanship and an open floor plan. Gorgeous red oak floors, rich custom woodwork, and built-ins throughout create a warm and inviting atmosphere. The kitchen features custom cabinetry, Corinthian countertops, and a cozy eat-in dinette filled with natural light. The main floor primary bedroom offers convenience and comfort, while the family room frames breathtaking lake views—perfect for relaxing or entertaining. Step outside to a spacious deck with a remote-control awning and enjoy spectacular sunsets over Lake Mille Lacs. The full basement includes an additional bedroom and finished walls, offering great potential for expanded living space. A 2+ car garage includes a heated bonus room, ideal for guests or a studio. This home is part of a well-maintained association with low annual dues covering lawn care, exterior maintenance, sanitation, sewer, water, and access to a beautiful beach and sheltered boat harbor. There is a private dock with your own boat slip and the lift is included. The community also offers a clubhouse, extra storage, and a fish cleaning room for your convenience. Located near restaurants, golf courses, and charming small towns, this property provides carefree lake living at its finest.

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1925

LevelsOne and One Half

Living area2,219 sqft

Above-grade finished1,759 sqft

Below-grade finished460 sqft

Lot size0.14 acres (irregular)

Days on market352

ListedOct 10, 2025

MLS #NST6802518

CountyMille Lacs

SubdivisionStockys Harbor Estates

Parcel #098160020

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Window Unit(s)
Appliances: Dishwasher, Dryer, Electric Water Heater, Exhaust Fan, Humidifier, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: One and One Half
Garage: 2 spaces · 758 sqft
Parking features: Detached Garage, Electric, Garage Door Opener, Insulated Garage, Parking Garage, Storage
Patio & porch: Awning(s), Deck, Front Porch
Pool: None
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Block, Concrete, Stone
Foundation: 1,213 sqft
Roof: Age 8 Years or Less, Asphalt
Year built: 1925

Utilities

Water: Shared System, Well
Sewer: Holding Tank, Septic System Compliant - Yes, Shared Septic
Fuel: Natural Gas
Electric: Circuit Breakers, 100 Amp Service

Community & HOA

Subdivision: Stockys Harbor Estates
HOA: $800/annual
HOA name: Stocky's Harbor Estates associaiton
HOA phone: 7639990876
HOA includes: Beach Access, Dock, Lawn Care, Maintenance Grounds, Professional Mgmt, Sanitation, Sewer, Shared Amenities, Water
HOA amenities: Beach, Dock

Financial & listing details

Annual tax: $2,182 (2025)
Listed: Oct 10, 2025
Days on market: 352 · 84 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Drain Tiled, Egress Window(s), Finished, Full, Storage Space, Sump Basket, Sump Pump

HeatingForced Air, Fireplace(s)

CoolingWindow Unit(s)

Fireplaces1

LaundryElectric Dryer Hookup, Main Level

AppliancesDishwasher, Dryer, Electric Water Heater, Exhaust Fan, Humidifier, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningBreakfast Bar, Breakfast Area

AmenitiesCable, Ceiling Fan(s), Deck, Dock, Hardwood Floors, Natural Woodwork, Patio, Porch, Security Lights, Boat Slip, Washer/Dryer Hookup, Walk-Up Attic

AccessibilityNone

Special featuresAll Living Facilities on One Level, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

RoofAge 8 Years or Less, Asphalt

Foundation area1,213 sqft

Patio/porchAwning(s), Deck, Front Porch

Lot featuresAccessible Shoreline, Tree Coverage - Light

Road frontagePaved Streets, Township

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceShared System, Well

SewerHolding Tank, Septic System Compliant - Yes, Shared Septic

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Electric, Garage Door Opener, Insulated Garage, Parking Garage, Storage

Garage spaces2

Garage size758 sqft

Financial details

Annual taxes$2,182

Tax year2025

Taxes w/ assessments2182

Assessment pendingNo

HOA fee$800

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1792

District phone3205324174

High schoolOnamia

SODL flat fee brokerage

$8,250Estimated buyer credit

SODL platform fee $3,000Your buyer credit $8,250

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

$3,078/mo

Principal & interest$1,971

Property taxes$182

Home insurance (est.)$125

HOA fees$800

Down payment

$75,000

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.