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 $2,942 (2026).

What school district is this property in?

This property is in the 23 - Frazee-Vergas school district.

Does this home have a garage?

Yes, this home has a 4-car garage.

How long has this property been on the market?

This property has been listed for 67 days.

Listed at

$599,900

$229/sqft

Sylvan Shores Sub

20847 W Toad Lake Drive, Osage, MN, 56570

3 Bedrooms2 Bathrooms2,620 Square Feet0.4 Acres

Days on market67

Year built1983

Garage spaces4

TypeResidential

Est. $14,997buyer credit when you buy with SODL

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About this home

Toad Lake property featuring 150 front feet of solid bottom shoreline. 3 bed home offers multiple options for company to cozy in. Main level leads to a 3-season porch with windows that open for fresh lake air enjoyment. Additional deck on the lakeside leads to a spacious lakeside yard creating an ideal space for entertaining. Built on site, the sauna is heated with wood but allows for a Nordic retreat. Storage is not an issue as there are two attached garages with an extra shed. The septic system has been replaced and certified, allowing you to move in with confidence. Whether you're looking for a year-round residence or a weekend getaway, this Toad Lake property is ready to enjoy.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1983

LevelsTwo

Living area2,620 sqft

Above-grade finished1,724 sqft

Below-grade finished896 sqft

Lot size0.4 acres (150 x140x163x165)

Days on market67

ListedJul 2, 2026

MLS #NST7103196

CountyBecker

SubdivisionSylvan Shores Sub

Parcel #330369000

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air, Heat Pump
Cooling: Central Air
Appliances: Dishwasher, Dryer, Electric Water Heater, Fuel Tank - Rented, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: Two
Garage: 4 spaces · 28x24x4x36x16x4x5x18x2x24 · 1,360 sqft
Parking features: Attached Garage, Asphalt, Finished Garage
Patio & porch: Deck, Enclosed, Porch, Rear Porch
Exterior features: Steel Siding, Wood
Other structures: Sauna, Storage Shed

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 896 sqft
Roof: Metal
Year built: 1983

Utilities

Water: Private
Sewer: Mound Septic, Private Sewer, Septic System Compliant - Yes
Fuel: Propane

Community & HOA

Subdivision: Sylvan Shores Sub
HOA: No HOA
School district: 23 - Frazee-Vergas
High school district: Frazee-Vergas

Financial & listing details

Annual tax: $2,942 (2026)
Tax with assessments: 2940
Listed: Jul 2, 2026
Days on market: 67 · 30 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Finished, Full

HeatingForced Air, Heat Pump

CoolingCentral Air

Fireplaces1

LaundryLaundry Room

AppliancesDishwasher, Dryer, Electric Water Heater, Fuel Tank - Rented, Microwave, Range, Refrigerator, Washer

DiningInformal Dining Room

AmenitiesCeiling Fan(s), Deck, Dock

AccessibilityNone

Special featuresMain Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorSteel Siding, Wood

RoofMetal

FoundationBlock

Foundation area896 sqft

Patio/porchDeck, Enclosed, Porch, Rear Porch

Lot featuresAccessible Shoreline, Tree Coverage - Medium

Road frontageTownship

Road responsibilityPublic Maintained Road

ZoningAgriculture

Utilities

Water sourcePrivate

SewerMound Septic, Private Sewer, Septic System Compliant - Yes

FuelPropane

Parking & garage

ParkingAttached Garage, Asphalt, Finished Garage

Garage spaces4

Garage size1,360 sqft

Financial details

Annual taxes$2,942

Tax year2026

Taxes w/ assessments2940

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District23 - Frazee-Vergas

District number23

District phone2183343181

High schoolFrazee-Vergas

SODL flat fee brokerage

$14,997Estimated buyer credit

SODL platform fee $3,000Your buyer credit $14,997

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.

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

$3,598/mo

Principal & interest$3,153

Property taxes$245

Home insurance (est.)$200

Down payment

$119,980

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.