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 $10,066 (2026).

What school district is this property in?

This property is in the 181 - Brainerd school district.

Does this home have a garage?

Yes, this home has a 4-car garage.

How long has this property been on the market?

This property has been listed for 60 days.

Listed at

$2,395,000

$582/sqft

Thoe Add

19522 Love Lake Road, Brainerd, MN, 56401

4 Bedrooms5 Bathrooms4,114 Square Feet0.49 Acres

Days on market60

Year built2020

Garage spaces4

TypeResidential

Est. $68,850buyer credit when you buy with SODL

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About this home

Experience luxury lakeside living at its finest in this exceptional custom-built 2020 retreat on the pristine shores of Love Lake (Gull Chain of Lakes), nestled in the heart of Minnesota’s premier vacation destination. Thoughtfully designed with timeless elegance and modern sophistication, this residence offers four distinctive bedrooms, five luxurious baths, and a gourmet kitchen crafted for culinary excellence. The serene primary suite features a spa-inspired bath with a walk-in tile shower and soaking tub. Entertain effortlessly with an expansive screened porch complete with a built-in grill, and enjoy year-round relaxation in the second screened porch featuring a sunken hot tub. The fully finished walkout lower level includes a secure safe room, exercise room, two guest suites, and seamless access to the beautifully landscaped grounds. Outdoor amenities include an in-ground heated pool with automated cover, natural gas tabletop fireplace, 118 feet of private shoreline, in-ground sprinkler system and dual garages—both a heated attached 2-car garage and a tuck-under lakeside garage. Additional features include a backup generator, beamed ceilings, main floor laundry, and walk-in pantry. Every detail reflects exceptional craftsmanship and meticulous care, offering a rare opportunity to own a truly refined Gull Lake Chain estate.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2020

LevelsTwo

Living area4,114 sqft

Above-grade finished2,531 sqft

Below-grade finished1,583 sqft

Lot size0.49 acres (118x243x120x175)

Days on market60

ListedJul 24, 2026

MLS #NST7114887

CountyCrow Wing

SubdivisionThoe Add

Parcel #99100581

Facts & features

Interior

Bedrooms: 4
Bathrooms: 5
Bath breakdown: 2 full / 2 3/4 / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater

Property

Levels / stories: Two
Garage: 4 spaces · 27x27 · 1,458 sqft
Parking features: Attached Garage, Asphalt, Finished Garage, Heated Garage, Insulated Garage, Tuckunder Garage
Patio & porch: Composite Decking, Covered, Deck, Screened
Exterior features: Cement Board
Pool: Below Ground, Heated, Outdoor

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: ICFs (Insulated Concrete Forms) · 1,403 sqft
Roof: Age 8 Years or Less, Architectural Shingle, Pitched
Year built: 2020

Utilities

Water: 4-Inch Submersible, Drilled, Private
Sewer: Tank with Drainage Field
Fuel: Natural Gas
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

Subdivision: Thoe Add
HOA: No HOA
School district: 181 - Brainerd
High school district: Brainerd

Financial & listing details

Annual tax: $10,066 (2026)
Listed: Jul 24, 2026
Days on market: 60 · 305 cumulative
Manufactured home: Yes

Interior details

Total bathrooms5

Full baths2

3/4 baths2

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Drain Tiled, Finished, Full, Storage Space, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryLaundry Room, Main Level

AppliancesAir-To-Air Exchanger, Dishwasher, Dryer, Exhaust Fan, Microwave, Range, Refrigerator, Stainless Steel Appliances, Tankless Water Heater

DiningInformal Dining Room, Kitchen/Dining Room

AmenitiesDeck, Dock, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Natural Woodwork, Panoramic View, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special featuresMain Floor Laundry

Exterior & lot

ExteriorCement Board

RoofAge 8 Years or Less, Architectural Shingle, Pitched

FoundationICFs (Insulated Concrete Forms)

Foundation area1,403 sqft

Patio/porchComposite Decking, Covered, Deck, Screened

ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled, Private

SewerTank with Drainage Field

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Asphalt, Finished Garage, Heated Garage, Insulated Garage, Tuckunder Garage

Garage spaces4

Garage size1,458 sqft

Financial details

Annual taxes$10,066

Tax year2026

Taxes w/ assessments10066

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District181 - Brainerd

District number181

District phone2184546900

High schoolBrainerd

SODL flat fee brokerage

$68,850Estimated buyer credit

SODL platform fee $3,000Your buyer credit $68,850

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.

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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

$14,224/mo

Principal & interest$12,587

Property taxes$839

Home insurance (est.)$798

Down payment

$479,000

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.