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 $2,785 (2025).

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 332 days.

Listed at

$589,000

$366/sqft

Sumners Swan Lake

14472 County Road 12, Pengilly, MN, 55775

4 Bedrooms3 Bathrooms1,610 Square Feet0.82 Acres

Days on market332

Year built1955

Garage spaces3

TypeResidential

Est. $14,670buyer credit when you buy with SODL

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About this home

Beautiful, well-maintained 4 Bed/2.5 Bath home located on one of Northern Minnesota’s greatest fishing and recreational lakes! The interior of the home features 3 bedrooms on one level, primary ensuite, open concept for entertaining, exercise room in the basement. The exterior of the home features a new composite deck, new concrete patio with lake views, a well-manicured yard and garden, new firepit for those chilly evenings, an oversized sandy beach, a new boathouse with a sleeping loft and extra storage, and 2 separate fully insulated and heated garages. Do not let this opportunity pass you by, schedule your showing today!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1955

LevelsOne and One Half

Living area1,610 sqft

Above-grade finished1,430 sqft

Below-grade finished180 sqft

Lot size0.82 acres (400x75)

Days on market332

ListedOct 30, 2025

MLS #NST6811473

CountyItasca

SubdivisionSumners Swan Lake

Parcel #144600070

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 1 full / 1 3/4 / 1 half
Heating: Ductless Mini-Split, Hot Water, Wood Stove
Cooling: Ductless Mini-Split
Appliances: Dishwasher, Dryer, Exhaust Fan, Freezer, Microwave, Range, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

Property

Levels / stories: One and One Half
Garage: 3 spaces · 26x24 and 20x16 · 944 sqft
Parking features: Detached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Composite Decking, Porch, Rear Porch
Pool: None
Other structures: Garage(s), Boat House

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Frame
Foundation: 1,248 sqft
Roof: Asphalt
Year built: 1955

Utilities

Water: Private
Sewer: Private Sewer
Fuel: Natural Gas, Wood
Electric: 100 Amp Service

Community & HOA

Subdivision: Sumners Swan Lake
HOA: No HOA
School district: Nashwauk-Keewatin

Financial & listing details

Annual tax: $2,785 (2025)
Tax with assessments: 2866
Listed: Oct 30, 2025
Days on market: 332 · 73 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths1

3/4 baths1

Half baths1

1/4 baths0

BasementBlock

HeatingDuctless Mini-Split, Hot Water, Wood Stove

CoolingDuctless Mini-Split

Fireplaces1

LaundryLower Level, Laundry Room, Sink

AppliancesDishwasher, Dryer, Exhaust Fan, Freezer, Microwave, Range, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

DiningKitchen/Dining Room

AmenitiesDock, Exercise Room, Kitchen Center Island, Kitchen Window, Main Floor Primary Bedroom, Patio, Panoramic View

AccessibilityWheelchair Ramp(s)

Special features3 BR on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofAsphalt

Foundation area1,248 sqft

Patio/porchComposite Decking, Porch, Rear Porch

Road frontageCounty Road

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourcePrivate

SewerPrivate Sewer

FuelNatural Gas, Wood

Parking & garage

ParkingDetached Garage, Asphalt, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces3

Garage size944 sqft

Financial details

Annual taxes$2,785

Tax year2025

Taxes w/ assessments2866

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number1412

District phone2182477306

High schoolNashwauk-Keewatin

SODL flat fee brokerage

$14,670Estimated buyer credit

SODL platform fee $3,000Your buyer credit $14,670

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

$3,524/mo

Principal & interest$3,095

Property taxes$232

Home insurance (est.)$196

Down payment

$117,800

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.