Listed at
$574,000
$164/sqft

28297 Saint Croix Road

28297 Saint Croix Road, Pine City, MN, 55063
6  Bedrooms4  Bathrooms3,492  Square Feet5  Acres
Days on market299
Year built1975
Garage spaces4
TypeResidential
Est. $14,220buyer credit when you buy with SODL
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About this home

SUBSTANTIALLY REBUILT & EXPANDED IN 2018 • MODERN FARMHOUSE ON 5 SCENIC ACRES WOW! This stunning modern farmhouse was substantially rebuilt and expanded in 2018 and sits on 5 beautiful acres just 5 miles from Pine City on a blacktop road. While the original structure dates to 1975, the extensive renovation gives the home an effective modern age with updated construction, systems, and a thoughtfully designed layout. The 2018 expansion features a new ICF foundation, additional living space, and a 16×36 storage area, along with all-new windows, plumbing, wiring, and septic system. The home is also equipped with high-speed fiber optic internet, making it ideal for remote work, streaming, and modern living. Interior Highlights The updated kitchen features off-white cabinetry, dark countertops, and stainless steel appliances, including a NEW refrigerator and dishwasher (2025). The space offers efficient workflow, generous storage, and an inviting layout for everyday living and entertaining. The private primary suite includes a spacious bath with a walk-in shower and Jacuzzi tub positioned beneath a window overlooking the peaceful countryside. The finished basement provides a private bedroom, bathroom, laundry, and media room—perfect for guests or multi-generational living. Additional interior features include: Heated attached 2-car garage Dual furnaces and dual A/C systems Dual laundry rooms Designated home office Outdoor wood boiler (currently winterized) Recently inspected and serviced HVAC systems 1-year home warranty on major appliances Window systems with limited lifetime warranty Outdoor Living & Acreage Step outside to a thoughtfully designed outdoor setting. A covered porch and wraparound sidewalks invite relaxation, while established flower beds and landscaping provide seasonal beauty and strong curb appeal. The private backyard features a 15×32 pool with surrounding deck—perfect for summer entertaining or quiet evenings in the country. Additional outdoor features include: Fenced pasture 40×40 garden area 16×30 animal outbuilding 40×40 shed Chicken coop Detached 2-car garage with loft Prime Location Conveniently located near the St. Croix River, Snake River, Cross Lake, Pokegama Lake, and Chengwatana State Forest, offering year-round recreation while maintaining easy Access to town. Seller willing to contribute up to $5,000 toward buyer closing costs or rate buy-down with acceptable offer. .

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Home facts

Property typeResidential
Property subtypeSingle Family Residence
Year built1975
LevelsTwo
Living area3,492 sqft
Above-grade finished2,269 sqft
Below-grade finished1,223 sqft
Lot size5 acres (320x677)
Days on market299
ListedDec 3, 2025
MLS #NST6824099
CountyPine
Parcel #0260365000

Facts & features

Interior

Bedrooms
6
Bathrooms
4
Bath breakdown
3 full / 1 half
Heating
Forced Air, Fireplace(s), Outdoor Boiler, Wood Stove
Cooling
Central Air
Appliances
Dishwasher, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Fuel Tank - Rented, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances

Property

Levels / stories
Two
Garage
4 spaces · 28x24
Parking features
Attached Garage, Detached Garage, Electric, Floor Drain, Finished Garage, Garage Door Opener, Gravel, Heated Garage, Insulated Garage, Multiple Garages
Patio & porch
Composite Decking, Deck, Front Porch, Porch, Side Porch
Fencing
Partial Cross, Wire
Other structures
Garage(s), Chicken Coop/Barn, Shed(s), Pole Building, Storage Shed

Construction

Property type
Residential
Property subtype
Single Family Residence
Construction materials
ICFs (Insulated Concrete Forms)
Foundation
1,215 sqft
Roof
Age 8 Years or Less, Asphalt
Year built
1975

Utilities

Water
Well
Sewer
Holding Tank, Mound Septic, Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
Fuel
Propane, Wood
Electric
100 Amp Service

Community & HOA

HOA
No HOA
School district
Pine City

Financial & listing details

Annual tax
$0 (2025)
Listed
Dec 3, 2025
Days on market
299 · 27 cumulative
Manufactured home
Yes

Interior details

Total bathrooms4
Full baths3
3/4 baths0
Half baths1
1/4 baths0
BasementEgress Window(s), Full, Concrete, Partially Finished, Storage Space, Sump Pump
HeatingForced Air, Fireplace(s), Outdoor Boiler, Wood Stove
CoolingCentral Air
Fireplaces2
LaundryIn Basement, Lower Level, Laundry Room, Main Level, Sink
AppliancesDishwasher, Dryer, ENERGY STAR Qualified Appliances, Exhaust Fan, Fuel Tank - Rented, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances
DiningBreakfast Area, Informal Dining Room
AmenitiesCeiling Fan(s), Deck, Exercise Room, Hardwood Floors, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Natural Woodwork, Patio, Porch, Walk-In Closet
AccessibilityNone
Special features3 BR on One Level, Main Floor Primary, Main Floor Laundry, Primary Bdr Suite

Exterior & lot

RoofAge 8 Years or Less, Asphalt
Foundation area1,215 sqft
Patio/porchComposite Decking, Deck, Front Porch, Porch, Side Porch
Lot featuresTree Coverage - Medium
Road frontageCounty Road, Paved Streets
Road responsibilityPublic Maintained Road
ZoningAgriculture

Utilities

Water sourceWell
SewerHolding Tank, Mound Septic, Private Sewer, Septic System Compliant - Yes, Tank with Drainage Field
FuelPropane, Wood

Parking & garage

ParkingAttached Garage, Detached Garage, Electric, Floor Drain, Finished Garage, Garage Door Opener, Gravel, Heated Garage, Insulated Garage, Multiple Garages
Garage spaces4
Garage size0 sqft

Financial details

Annual taxes$0
Tax year2025
Taxes w/ assessments0
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District number1994
District phone3206294010
High schoolPine City
SODL flat fee brokerage
$14,220Estimated buyer credit
SODL platform fee $3,000Your buyer credit $14,220

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

$3,782/mo
Principal & interest$3,017
Property taxes (est.)$574
Home insurance (est.)$191
%
$114,800
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

28297 Saint Croix Road, Pine City, MN, 55063

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Listing information

MLS #NST6824099
StatusActive
Last updatedFeb 11, 2026, 4:19 PM
Originally listedDec 3, 2025, 10:59 PM
Listing officeKeller Williams Premier 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.