Listed at
$699,900
$224/sqft

20482 Lord Road

20482 Lord Road, Merrifield, MN, 56465
4  Bedrooms3  Bathrooms3,120  Square Feet9.45  Acres
Days on market188
Year built1995
Garage spaces3
TypeResidential
Est. $17,997buyer credit when you buy with SODL
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About this home

Discover what may be the best on-water luxury value in the Brainerd Lakes Area, located on the scenic Mississippi River waterway with direct access to Rice Lake. This rare estate offers nearly 10 heavily wooded acres, approximately 330 feet of river frontage, privacy, recreation, luxury, and incredible investment potential just minutes from Brainerd. The newly renovated 3,000+ sq. ft. home showcases breathtaking panoramic views, abundant wildlife, soaring vaulted ceilings, expansive windows, a dramatic floor-to-ceiling stone fireplace, and high-end finishes throughout. The custom gourmet kitchen features a truly one-of-a-kind Butler’s Pantry and flows into the open-concept living space, leading to an expansive wraparound deck overlooking the river and private pond. The luxurious primary suite offers beautiful pond and nature views, oversized walk-in closet, private laundry, and spa-inspired five-piece bath. The lower level includes a spacious family room, three additional bedrooms, full bath, and second laundry area, ideal for guests or multi-generational living. An oversized finished three-stall attached garage plus detached garage provide abundant room for vehicles, boats, ATVs, and recreational toys. Enjoy mature woods, excellent hunting, hiking, direct Mississippi River access, and a short boat ride to Rice Lake. Whether used as a year-round residence, luxury retreat, recreational getaway, or investment property, this is an exceptional opportunity. Luxury waterfront acreage, privacy, river access, and development potential at this level are rarely available—especially at this value.

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Home facts

Property typeResidential
Property subtypeSingle Family
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 market188
ListedMar 24, 2026
MLS #NST7041793
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
Exterior features
Cement Board
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Concrete, Frame
Foundation
Block · 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
181 - Brainerd
High school district
Brainerd

Financial & listing details

Annual tax
$2,400 (2025)
Listed
Mar 24, 2026
Days on market
188 · 575 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

ExteriorCement Board
RoofAge 8 Years or Less, Architectural Shingle
FoundationBlock
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
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District181 - Brainerd
District number181
District phone2184546900
High schoolBrainerd
SODL flat fee brokerage
$17,997Estimated buyer credit
SODL platform fee $3,000Your buyer credit $17,997

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

$4,112/mo
Principal & interest$3,678
Property taxes$200
Home insurance (est.)$233
%
$139,980
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

20482 Lord Road, Merrifield, MN, 56465

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Listing information

MLS #NST7041793
StatusPending
Last updatedSep 10, 2026, 6:53 PM
Originally listedMar 24, 2026, 11:37 AM
Listing officeeXp Realty
Co-listing officeeXp 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.