Listed at
$659,900
$260/sqft

20095 170th Street

20095 170th Street, Big Lake, MN, 55309
3  Bedrooms3  Bathrooms2,536  Square Feet3.09  Acres
Days on market34
Year built2004
Garage spaces4
TypeResidential
Est. $16,797buyer credit when you buy with SODL
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About this home

Nestled on 3.09 densely wooded acres, this executive-style custom walkout rambler offers the rare combination of complete privacy, remarkable craftsmanship, and a setting designed for those who appreciate nature & recreation. Wooded trails meander throughout the property for walking or riding adventures. Nearly 3500SF of living space. Thoughtfully designed with all living facilities conveniently located on the main level, the open-concept floor plan ideal for both entertaining & everyday living. The inviting living room is anchored by a beautiful woodburning fireplace & custom built-in media center, while large windows frame the surrounding woodland views. A patio door leads to the back deck, extending the living space outdoors. The main level also includes two bedrooms, highlighted by a private primary suite featuring a spacious walk-in closet & well-appointed en-suite bathroom. A dedicated home office with custom built-ins offers a quiet & productive workspace, while the thoughtfully designed laundry/mudroom/pantry create a highly functional transition between the kitchen & attached heated garage. The walkout lower level expands the home's possibilities with a semi-finished layout designed for comfort, recreation, & future customization. Walk out to concrete patio complete with bonfire area & outdoor seating. Inside, you'll find a dedicated workout room, a 3rd bedroom with oversized walk-in closet. 3/4 bathroom featuring a tiled steam shower with full glass enclosure. The lLL also includes a gas fireplace, secondary access to the garage, and a partially completed full second kitchen & bar area ready for your finishing touches. Easily divided for multigenerational living/renting. Car enthusiasts, hobbyists, & craftsmen will appreciate the truly remarkable, attached heated garage. The oversized three-stall garage features a tandem third stall, 8' doors, soaring ceilings, a permanent car lift, extensive built-in work benches, & exceptional storage space that is rarely found in residential properties. This one-of-a-kind property offers many luxuries & the privacy of an up-north retreat. Conveniently located close to town with shopping, restaurants & public beach.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2004
LevelsOne
Living area2,536 sqft
Above-grade finished1,736 sqft
Below-grade finished800 sqft
Lot size3.09 acres (300x441x468x310)
Days on market34
ListedAug 14, 2026
MLS #NST7099483
CountySherburne
Parcel #10001211400

Facts & features

Interior

Bedrooms
3
Bathrooms
3
Bath breakdown
2 full / 1 3/4
Heating
Forced Air, Fireplace(s), In-Floor Heating
Cooling
Central Air, Whole House Fan, Zoned
Appliances
Air-To-Air Exchanger, Central Vacuum, Cooktop, Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Rented

Property

Levels / stories
One
Garage
4 spaces · 36x38 · 1,316 sqft
Parking features
Attached Garage, Gravel, Concrete, Electric, Floor Drain, Garage Door Opener, Heated Garage, Insulated Garage, Storage, Tandem Garage
Patio & porch
Covered, Deck, Front Porch, Patio
Exterior features
Stone, Steel Siding
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Other, Poured Concrete · 1,736 sqft
Roof
Age 8 Years or Less, Architectural Shingle, Pitched
Year built
2004

Utilities

Water
Drilled, Private, Well
Sewer
Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel
Natural Gas

Community & HOA

HOA
No HOA
School district
727 - Big Lake
High school district
Big Lake

Financial & listing details

Annual tax
$5,326 (2026)
Tax with assessments
5176
Listed
Aug 14, 2026
Days on market
34
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths2
3/4 baths1
Half baths0
1/4 baths0
BasementDaylight/Lookout Windows, Drain Tiled, Full, In-Floor Heat, Partially Finished, Storage Space, Sump Basket, Sump Pump, Tile Shower, Walkout
HeatingForced Air, Fireplace(s), In-Floor Heating
CoolingCentral Air, Whole House Fan, Zoned
Fireplaces1
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Laundry Room, Main Level, Sink, Washer Hookup
AppliancesAir-To-Air Exchanger, Central Vacuum, Cooktop, Dishwasher, Dryer, Exhaust Fan, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Rented
DiningEat In Kitchen, Informal Dining Room, Kitchen/Dining Room
AmenitiesCeiling Fan(s), Deck, Exercise Room, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Paneled Doors, Porch, Security System, Security Lights, In-Ground Sprinkler, Tile Floors, Washer/Dryer Hookup, Wet Bar, Walk-In Closet
AccessibilityNone
Special featuresAll Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

ExteriorStone, Steel Siding
RoofAge 8 Years or Less, Architectural Shingle, Pitched
FoundationOther, Poured Concrete
Foundation area1,736 sqft
Patio/porchCovered, Deck, Front Porch, Patio
Lot featuresAdditional Land Available, Tree Coverage - Heavy
Road frontageCul De Sac, Paved Streets, Township
Road responsibilityPrivate Maintained Road, Public Maintained Road
ZoningResidential-Multi-Family

Utilities

Water sourceDrilled, Private, Well
SewerPrivate Sewer, Septic System Compliant - Yes, Tank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Gravel, Concrete, Electric, Floor Drain, Garage Door Opener, Heated Garage, Insulated Garage, Storage, Tandem Garage
Garage spaces4
Garage size1,316 sqft

Financial details

Annual taxes$5,326
Tax year2026
Taxes w/ assessments5176
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District727 - Big Lake
District number727
District phone7632625218
High schoolBig Lake
SODL flat fee brokerage
$16,797Estimated buyer credit
SODL platform fee $3,000Your buyer credit $16,797

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

$4,132/mo
Principal & interest$3,468
Property taxes$444
Home insurance (est.)$220
%
$131,980
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

20095 170th Street, Big Lake, MN, 55309

Listing information

MLS #NST7099483
StatusActive
Last updatedSep 16, 2026, 8:41 PM
Originally listedAug 25, 2026, 12:00 AM
Listing officeColdwell Banker Realty

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.