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 $2,400 (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 266 days.

Listed at

$999,950

$320/sqft

20482 Lord Road

20482 Lord Road, Merrifield, MN, 56465

4 Bedrooms3 Bathrooms3,120 Square Feet9.45 Acres

Days on market266

Year built1995

Garage spaces3

TypeResidential

Est. $26,999buyer credit when you buy with SODL

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About this home

Newly renovated Mississippi River home just minutes from Brainerd and a short boat ride to Rice Lake! Situated on nearly 10 wooded acres with 330 feet of river frontage and unique pond views, this stunning 3,000+ sq ft home offers total privacy, panoramic views, and high-end finishes throughout. Enjoy a spacious open-concept layout with vaulted ceilings, expansive windows, a stone fireplace, and a custom kitchen featuring a one-of-a-kind butler’s pantry. The wrap-around deck is perfect for relaxing or entertaining while taking in the breathtaking natural surroundings. The luxurious primary suite boasts a spa-like bath, an oversized walk-in closet with private laundry, and serene views of the river and wildlife. The lower level offers a large family room, 2+ additional bedrooms, a full bath, and a second laundry area—ideal for guests or multi-generational living. The beautifully finished oversized 3-stall attached garage plus a bonus detached garage provide ample storage for all your up north toys. With 10 acres of abundant wildlife, this property also offers excellent potential for private hunting land. Thoughtful design details, unmatched privacy, river frontage, and direct access to Rice Lake make this home the ultimate riverfront retreat—rare opportunity, don’t miss out on this spectacular property!

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1995

LevelsOne and One Half

Living area3,120 sqft

Above-grade finished1,720 sqft

Below-grade finished1,400 sqft

Lot size9.45 acres (irregular)

Days on market266

ListedJan 5, 2026

MLS #NST7004705

CountyCrow Wing

Parcel #53050517

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air, Fireplace(s)
Cooling: Central Air
Appliances: Dryer, Fuel Tank - Rented, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One and One Half
Garage: 3 spaces · 29x33 · 957 sqft
Parking features: Attached Garage, Detached Garage, Gravel, Concrete, Finished Garage, Garage Door Opener, Insulated Garage, Multiple Garages
Patio & porch: Deck, Wrap Around
Pool: None
Fencing: None

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Block, Concrete, Frame
Foundation: 1,720 sqft
Roof: Age 8 Years or Less, Architectural Shingle
Year built: 1995

Utilities

Water: 4-Inch Submersible, Drilled, Private, Well
Sewer: Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel: Electric, Propane
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

HOA: No HOA
School district: Brainerd

Financial & listing details

Annual tax: $2,400 (2025)
Listed: Jan 5, 2026
Days on market: 266 · 331 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Drainage System, Finished, Sump Pump

HeatingForced Air, Fireplace(s)

CoolingCentral Air

Fireplaces1

LaundryLower Level, Main Level, Washer Hookup

AppliancesDryer, Fuel Tank - Rented, Microwave, Range, Refrigerator, Washer

DiningInformal Dining Room

AmenitiesCeiling Fan(s), Deck, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Paneled Doors, Panoramic View, Tile Floors, Vaulted Ceiling(s), Walk-In Closet

AccessibilityNone

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less, Architectural Shingle

Foundation area1,720 sqft

Patio/porchDeck, Wrap Around

Lot featuresTree Coverage - Medium

Road frontageCounty Road

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water source4-Inch Submersible, Drilled, Private, Well

SewerPrivate Sewer, Septic System Compliant - Yes, Tank with Drainage Field

FuelElectric, Propane

Parking & garage

ParkingAttached Garage, Detached Garage, Gravel, Concrete, Finished Garage, Garage Door Opener, Insulated Garage, Multiple Garages

Garage spaces3

Garage size957 sqft

Financial details

Annual taxes$2,400

Tax year2025

Taxes w/ assessments2400

Assessment pendingNo

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number896

District phone2184546900

High schoolBrainerd

SODL flat fee brokerage

$26,999Estimated buyer credit

SODL platform fee $3,000Your buyer credit $26,999

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

$5,788/mo

Principal & interest$5,255

Property taxes$200

Home insurance (est.)$333

Down payment

$199,990

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.