Listed at
$250,000
$521/sqft

Shady Beach

20560 State Highway 18, Finlayson, MN, 55735
2  Bedrooms1  Bathroom480  Square Feet0.26  Acres
Days on market620
Year built1950
ParkingGuest Parking
TypeResidential
Est. $4,500buyer credit when you buy with SODL
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About this home

Your Slice of Heaven on Big Pine Lake! Completely remodeled and move-in ready, this seasonal cabin offers a serene lakefront setting on a beautiful, level lot with direct access to the water. Thoughtfully updated with modern conveniences and designed for relaxation, this property is perfect for those seeking a tranquil retreat. This one-level cabin features 2 bedrooms, a custom barnwood-finished ¾ bathroom with a roll-in shower, and 184 sq ft of new maintenance-free composite decking overlooking the backyard and lake. The interior boasts an 8’ sliding patio door off both the kitchen and living rooms, flooding the space with natural light and offering breathtaking lake views. Additional upgrades include all-new electric, plumbing, a mini-split for heat and AC, a new water heater, new maintenance-free windows, and new steel siding with maintenance free soffit and fascia. This property has made accessibility a priority, with features such as wide doorways and a roll-in shower. Outdoor amenities include a cedar privacy fence along both property lines, an outdoor shower for cleaning off after a day in the lake, and a dock that stays with the property. The yard has been drain-tiled to keep water away from the cabin and outdoor areas. Additional storage is provided by a large garden shed, and the property also includes a 30amp camper/RV hookup. Extras include bunk beds, a security system with cameras (requires internet and app), a mower, and a winch for easy dock removal. In addition to Big Pine Lake, you also have access to Pine Lake, which is connected and perfect for even more water adventures. You can conveniently launch your boats just around the corner on the north side of the cabin.

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1950
LevelsOne
Living area480 sqft
Above-grade finished480 sqft
Below-grade finished0 sqft
Lot size0.26 acres (60x255x38x98x10x177)
Days on market620
ListedJan 12, 2025
MLS #NST6649182
CountyPine
SubdivisionShady Beach
Parcel #0275045000

Facts & features

Interior

Bedrooms
2
Bathrooms
1
Bath breakdown
1 3/4
Heating
Ductless Mini-Split
Cooling
Ductless Mini-Split
Appliances
Cooktop, Microwave, Refrigerator

Property

Levels / stories
One
Parking features
Guest Parking, RV Access/Parking, Open
Fencing
Privacy, Wood
Other structures
Storage Shed
View
South
Waterfront
Big Pine · Lake Front, Lake View

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
Steel Siding
Foundation
480 sqft
Roof
Asphalt
Year built
1950

Utilities

Water
Private, Sand Point
Sewer
Holding Tank, Private Sewer
Electric
Circuit Breakers

Community & HOA

Subdivision
Shady Beach
HOA
No HOA
School district
Hinckley-Finlayson

Financial & listing details

Annual tax
$1,518 (2024)
Tax with assessments
1518.0000
Listed
Jan 12, 2025
Days on market
620

Interior details

Total bathrooms1
Full baths0
3/4 baths1
Half baths0
1/4 baths0
BasementNone
HeatingDuctless Mini-Split
CoolingDuctless Mini-Split
AppliancesCooktop, Microwave, Refrigerator
AccessibilityDoors 36"+, Fully Wheelchair, Grab Bars In Bathroom, No Stairs External, No Stairs Internal, Roll-In Shower

Exterior & lot

RoofAsphalt
Foundation area480 sqft
Lot featuresAccessible Shoreline, Irregular Lot
ZoningResidential-Single Family

Utilities

Water sourcePrivate, Sand Point
SewerHolding Tank, Private Sewer

Parking & garage

ParkingGuest Parking, RV Access/Parking, Open
Garage spaces0

Financial details

Annual taxes$1,518
Tax year2024
Taxes w/ assessments1518.0000
Assessment pendingNo
Down payment resourceY
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number2165
District phone320-384-6277
High schoolHinckley-Finlayson
SODL flat fee brokerage
$4,500Estimated buyer credit
SODL platform fee $3,000Your buyer credit $4,500

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

$1,524/mo
Principal & interest$1,314
Property taxes$127
Home insurance (est.)$83
%
$50,000
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.

Location

20560 State Highway 18, Finlayson, MN, 55735

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Listing information

MLS #NST6649182
StatusActive
Last updatedJan 17, 2025, 11:03 AM
Originally listedJan 17, 2025, 6:00 AM
Listing officeRE/MAX Results

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.