Listed at
$1,080,000
$946/sqft

20705 W Toad Lake Drive

20705 W Toad Lake Drive, Osage, MN, 56570
2  Bedrooms3  Bathrooms1,142  Square Feet3.1  Acres
Days on market66
Year built1960
Garage spaces6
TypeResidential
Est. $29,400buyer credit when you buy with SODL
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About this home

Rare Toad Lake legacy opportunity featuring expansive 390(A) feet of pristine shoreline on crystal-clear waters with direct borders to newly acquired state land, ensuring permanent privacy and exclusive access to future recreational opportunities. This exceptional 3.1-acre compound offers immediate family enjoyment with unlimited potential for generational wealth building. The established compound features two fully appointed lakefront cabins, each with full kitchens, baths, and wood-burning fireplaces. The impressive 32' x 52' (A) heated workshop/garage with in-floor heating, full utilities, laundry, 3/4 bath, and storage provides endless possibilities for collections, recreation, or staff quarters. Multiple private docks, hilltop observation deck with panoramic lake views, and guest bunkhouse create the perfect retreat. Mature woodland setting offers complete seclusion while remaining just 18 miles from Detroit Lakes amenities. The adjacent MN state land is to be run as a wildlife management area with public access. Combined with the deep, rocky bottom lake makes for great fishing and hunting. Nearby airports include FGO, MSP, and DL (for smaller planes). Exceptional building sites throughout the property allow for custom estate home construction while preserving existing structures for staff, guests, or multi-generational family use. Formerly Toad Mountain Ranch with rich heritage, this investment offers permanent state land buffer ensuring no future development, combined with rare large-acreage lakefront availability in a premium recreational market. The combination of substantial shoreline, state land borders, and established infrastructure creates a once-in-a-lifetime opportunity for families seeking a private compound with legacy potential. Serious inquiries only. Proof of funds required.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1960
LevelsOne
Living area1,142 sqft
Above-grade finished1,142 sqft
Below-grade finished0 sqft
Lot size3.1 acres (Irregular)
Days on market66
ListedJul 23, 2026
MLS #NST7112850
CountyBecker
Parcel #330094000

Facts & features

Interior

Bedrooms
2
Bathrooms
3
Bath breakdown
3 3/4
Heating
Baseboard, Fireplace(s), In-Floor Heating
Cooling
Wall Unit(s)
Appliances
Cooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer

Property

Levels / stories
One
Garage
6 spaces · 32x52 · 1,576 sqft
Parking features
Detached Garage, Gravel
Patio & porch
Deck, Patio
Exterior features
Log
Other structures
Bunk House

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Other · 1,142 sqft
Roof
Shake
Year built
1960

Utilities

Water
Well
Sewer
Septic System Compliant - Yes
Fuel
Electric

Community & HOA

HOA
No HOA
School district
23 - Frazee-Vergas
High school district
Frazee-Vergas

Financial & listing details

Annual tax
$5,516 (2025)
Listed
Jul 23, 2026
Days on market
66 · 1 cumulative
Manufactured home
Yes

Interior details

Total bathrooms3
Full baths0
3/4 baths3
Half baths0
1/4 baths0
BasementNone
HeatingBaseboard, Fireplace(s), In-Floor Heating
CoolingWall Unit(s)
Fireplaces2
LaundryIn Garage
AppliancesCooktop, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
AccessibilityNone

Exterior & lot

ExteriorLog
RoofShake
FoundationOther
Foundation area1,142 sqft
Patio/porchDeck, Patio
Lot featuresAccessible Shoreline, Irregular Lot, Property Adjoins Public Land, Tree Coverage - Medium
ZoningAgriculture

Utilities

Water sourceWell
SewerSeptic System Compliant - Yes
FuelElectric

Parking & garage

ParkingDetached Garage, Gravel
Garage spaces6
Garage size1,576 sqft

Financial details

Annual taxes$5,516
Tax year2025
Taxes w/ assessments5516
Assessment pendingUnknown
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District23 - Frazee-Vergas
District number23
District phone2183343181
High schoolFrazee-Vergas
SODL flat fee brokerage
$29,400Estimated buyer credit
SODL platform fee $3,000Your buyer credit $29,400

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

$6,496/mo
Principal & interest$5,676
Property taxes$460
Home insurance (est.)$360
%
$216,000
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

20705 W Toad Lake Drive, Osage, MN, 56570

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Listing information

MLS #NST7112850
StatusActive
Last updatedSep 12, 2026, 2:00 AM
Originally listedJul 24, 2026, 8:10 PM
Listing officeHorizon Real Estate Group

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.