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 $3,390 (2026).

What school district is this property in?

This property is in the 876 - Annandale 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 was listed for 8 days.

Pending

$450,000

$164/sqft

Lumleys Long Lake Estates

18757 Dover Road, Clearwater, MN, 55320

5 Bedrooms3 Bathrooms2,738 Square Feet2 Acres

Days on market8

Year built1991

Garage spaces2

TypeResidential

Est. $10,500buyer credit when you buy with SODL

About this home

Welcome to your private wooded retreat in the Annandale School District! Set on 2 beautiful acres, this updated 5 bedroom, 3 bath, four-level home offers the space, privacy and outdoor living space you've been looking for, all while keeping you conveniently connected to St. Cloud and I-94/Hwy 10. The remodeled kitchen is a standout, featuring gorgeous cabinetry, solid-surface Corian countertops and sink, and a tiled backsplash. Brand-new carpeting adds a fresh, inviting feel throughout, while new shingles and covered gutters in 2025 and maintenance-free siding provide peace of mind. With four levels of versatile living space, there is room for everyone to spread out. Three same floor bedrooms plus two lower level bedrooms that can provide space for guests. The walkout level opens to an oversized backyard patio, brick firepit and fenced yard, creating an ideal setting for entertaining, pets and enjoying the peaceful, wooded surroundings. Outdoor spaces abound with a welcoming front porch, deck, and a private deck off the spacious owner's suite—perfect for morning coffee or unwinding at the end of the day. If you've been searching for acreage and privacy without sacrificing convenience, this property delivers. Enjoy the tranquility of 2 wooded acres plus the convenience of the public access to Long Lake. This is country-style living with city convenience—and a home you'll be proud to call your own. Plan your visit today and be prepared to fall in love.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1991

LevelsFour or More Level Split

Living area2,738 sqft

Above-grade finished1,734 sqft

Below-grade finished1,004 sqft

Lot size2 acres (86497)

Days on market8

ListedAug 25, 2026

MLS #NST7131866

CountyStearns

SubdivisionLumleys Long Lake Estates

Parcel #19107650014

Facts & features

Interior

Bedrooms: 5
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air, Heat Pump
Cooling: Central Air, Heat Pump
Appliances: Dishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

Property

Levels / stories: Four or More Level Split
Garage: 2 spaces · 20 x 22 · 440 sqft
Parking features: Attached Garage, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage
Patio & porch: Deck, Front Porch, Patio
Exterior features: Vinyl
Fencing: Chain Link, Full

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Poured Concrete · 1,734 sqft
Roof: Age 8 Years or Less, Asphalt, Pitched
Year built: 1991

Utilities

Water: Drilled, Well
Sewer: Tank with Drainage Field
Fuel: Natural Gas
Electric: Circuit Breakers

Community & HOA

Subdivision: Lumleys Long Lake Estates
HOA: No HOA
School district: 876 - Annandale
High school district: Annandale

Financial & listing details

Annual tax: $3,390 (2026)
Tax with assessments: 3398
Listed: Aug 25, 2026
Days on market: 8
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementDrain Tiled, Finished, Partially Finished, Sump Basket, Sump Pump, Walkout

HeatingForced Air, Heat Pump

CoolingCentral Air, Heat Pump

Fireplaces1

LaundryLower Level

AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned

DiningLiving/Dining Room

AmenitiesCeiling Fan(s), Deck, French Doors, Kitchen Window, Natural Woodwork, Patio, Tile Floors, Vaulted Ceiling(s), Walk-In Closet

AccessibilityNone

Special features3 BR on One Level, Primary Bdr Suite

Exterior & lot

ExteriorVinyl

RoofAge 8 Years or Less, Asphalt, Pitched

FoundationPoured Concrete

Foundation area1,734 sqft

Patio/porchDeck, Front Porch, Patio

Lot featuresTree Coverage - Medium

Road frontageCounty Road, Township

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well

SewerTank with Drainage Field

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage

Garage spaces2

Garage size440 sqft

Financial details

Annual taxes$3,390

Tax year2026

Taxes w/ assessments3398

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District876 - Annandale

District number876

District phone3202745602

High schoolAnnandale

SODL flat fee brokerage

$10,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,500

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

$2,797/mo

Principal & interest$2,365

Property taxes$283

Home insurance (est.)$150

Down payment

$90,000

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.