Listed at
$975,000
$220/sqft

Pine Stone Estates Second Add

23966 98th Street, Elk River, MN, 55330
6  Bedrooms4  Bathrooms4,436  Square Feet2.93  Acres
Days on market82
Year built2003
Garage spaces6
HOA / month$600
TypeResidential
Est. $26,250buyer credit when you buy with SODL
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About this home

Refined luxury meets peaceful privacy on nearly 3 acres overlooking Stone Lake. This extensively updated walkout rambler offers over 4,400 finished square feet with 6 bedrooms, 4 bathrooms, and a rare blend of timeless craftsmanship, comfort, and elevated living. Thoughtfully designed for both everyday function and entertaining, the home features expansive living spaces, a spacious gourmet kitchen, screened porch, multiple gathering areas, and highly sought-after one-level living amenities. The walkout lower level adds exceptional flexibility with additional bedrooms, office and recreation spaces, and room for multigenerational living or private guest accommodations. Surrounded by beautifully maintained grounds, mature trees, and tranquil water views, this property delivers a true estate-like setting while remaining conveniently close to shopping, dining, and major commuter routes. See supplements for extensive list of updates and improvements.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built2003
LevelsTwo
Living area4,436 sqft
Above-grade finished2,317 sqft
Below-grade finished2,119 sqft
Lot size2.93 acres (0)
Days on market82
ListedMay 11, 2026
MLS #NST7038099
CountySherburne
SubdivisionPine Stone Estates Second Add
Parcel #30005180105

Facts & features

Interior

Bedrooms
6
Bathrooms
4
Bath breakdown
2 full / 1 3/4 / 1 half
Heating
Forced Air, Fireplace(s), Hot Water, Humidifier, In-Floor Heating
Cooling
Central Air
Appliances
Air-To-Air Exchanger, Central Vacuum, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Gas Water Heater, Water Filtration System, Water Osmosis System, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories
Two
Garage
6 spaces · 46x21 · 966 sqft
Parking features
Attached Garage, Covered, Detached Garage, Asphalt, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Multiple Garages
Patio & porch
Composite Decking, Deck, Enclosed, Front Porch, Patio
Exterior features
Steel Siding, Stucco
Other structures
Storage Shed

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Poured Concrete · 2,638 sqft
Roof
Age 8 Years or Less, Architectural Shingle
Year built
2003

Utilities

Water
Private, Well
Sewer
Septic System Compliant - Yes, Tank with Drainage Field
Fuel
Natural Gas

Community & HOA

Subdivision
Pine Stone Estates Second Add
HOA
$600/annual
HOA name
TBD
HOA phone
6515555555
HOA includes
Sewer, Shared Amenities
School district
728 - Elk River

Financial & listing details

Annual tax
$6,852 (2025)
Listed
May 11, 2026
Days on market
82 · 1 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths2
3/4 baths1
Half baths1
1/4 baths0
BasementDrain Tiled, Egress Window(s), Finished, Full, Owner Access, Sump Pump, Walkout
HeatingForced Air, Fireplace(s), Hot Water, Humidifier, In-Floor Heating
CoolingCentral Air
Fireplaces3
LaundryIn Basement, Upper Level
AppliancesAir-To-Air Exchanger, Central Vacuum, Cooktop, Dishwasher, Double Oven, Dryer, Exhaust Fan, Gas Water Heater, Water Filtration System, Water Osmosis System, Microwave, Refrigerator, Stainless Steel Appliances, Wall Oven, Washer, Water Softener Owned
DiningInformal Dining Room
AmenitiesCable, Ceiling Fan(s), Deck, French Doors, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Porch, Panoramic View, Satellite Dish, Security System, In-Ground Sprinkler, Sun Room, Tile Floors, Vaulted Ceiling(s), Wet Bar, Walk-In Closet
AccessibilityNone
Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorSteel Siding, Stucco
RoofAge 8 Years or Less, Architectural Shingle
FoundationPoured Concrete
Foundation area2,638 sqft
Patio/porchComposite Decking, Deck, Enclosed, Front Porch, Patio
Lot featuresAccessible Shoreline, Tree Coverage - Heavy
Road frontageTownship
Road responsibilityPublic Maintained Road
ZoningResidential-Single Family

Utilities

Water sourcePrivate, Well
SewerSeptic System Compliant - Yes, Tank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingAttached Garage, Covered, Detached Garage, Asphalt, Electric, Finished Garage, Garage Door Opener, Heated Garage, Insulated Garage, Multiple Garages
Garage spaces6
Garage size966 sqft

Financial details

Annual taxes$6,852
Tax year2025
Taxes w/ assessments6852
Assessment pendingNo
HOA fee$600
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District728 - Elk River
District number728
District phone7632413400
High schoolElk River
SODL flat fee brokerage
$26,250Estimated buyer credit
SODL platform fee $3,000Your buyer credit $26,250

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

$6,620/mo
Principal & interest$5,124
Property taxes$571
Home insurance (est.)$325
HOA fees$600
%
$195,000
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

23966 98th Street, Elk River, MN, 55330

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Listing information

MLS #NST7038099
StatusClosed
Last updatedAug 6, 2026, 8:58 PM
Originally listedMay 15, 2026, 12:00 AM
Listing officeRealty ONE Group SIMPLIFIED

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.