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 $3,327 (2026).

What school district is this property in?

This property is in the 319 - Nashwauk-Keewatin school district.

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 71 days.

Listed at

$674,999

$429/sqft

Hillcrest

28339 S Swan Lake Road, Pengilly, MN, 55775

3 Bedrooms2 Bathrooms1,572 Square Feet0.98 Acres

Days on market71

Year built1955

Garage spaces3

TypeResidential

Est. $17,250buyer credit when you buy with SODL

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About this home

Experience lake life on the gorgeous sandy beach shores of Swan Lake with stunning water views. This 3-bedroom, 2-bath home features convenient single-level living with an open kitchen with upgraded cabinetry, and living room highlighted by an oversized picture window that captures breathtaking panoramic views of the lake The spacious layout includes private guest bedrooms, a separate laundry room with ¾ bath, and multiple patio areas for entertaining and relaxing. Enjoy lakeside living with a sandy beach area, and a heated/AC lakeside bunkhouse retreat with sauna right at the water’s edge. The fully finished, insulated, and heated detached garage offers excellent storage and hangout space. Set back from the road with a large yard and tar driveway, this property combines privacy, comfort, and the perfect up-north lake lifestyle.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1955

LevelsOne

Living area1,572 sqft

Above-grade finished1,572 sqft

Below-grade finished0 sqft

Lot size0.98 acres (58x114x302x53x53x388)

Days on market71

ListedMay 22, 2026

MLS #NST7079794

CountyItasca

SubdivisionHillcrest

Parcel #254800050

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Dishwasher, Microwave, Range, Refrigerator

Property

Levels / stories: One
Garage: 3 spaces · 26x30 · 780 sqft
Parking features: Detached Garage, Asphalt, Finished Garage, Insulated Garage
Patio & porch: Deck, Front Porch, Patio, Rear Porch, Side Porch
Exterior features: Wood
Other structures: Bunk House

Construction

Property type: Residential
Property subtype: Single Family
Foundation: Block · 1,319 sqft
Roof: Asphalt
Year built: 1955

Utilities

Water: Well
Sewer: Private Sewer
Fuel: Propane

Community & HOA

Subdivision: Hillcrest
HOA: No HOA
School district: 319 - Nashwauk-Keewatin
High school district: Nashwauk-Keewatin

Financial & listing details

Annual tax: $3,327 (2026)
Tax with assessments: 3474
Listed: May 22, 2026
Days on market: 71 · 62 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementNone

HeatingForced Air

CoolingCentral Air

Fireplaces1

LaundryMain Level

AppliancesDishwasher, Microwave, Range, Refrigerator

DiningKitchen/Dining Room

AccessibilityNone

Special features3 BR on One Level, All Living Facilities on One Level, Main Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorWood

RoofAsphalt

FoundationBlock

Foundation area1,319 sqft

Patio/porchDeck, Front Porch, Patio, Rear Porch, Side Porch

Lot featuresAccessible Shoreline

ZoningResidential-Single Family

Utilities

Water sourceWell

SewerPrivate Sewer

FuelPropane

Parking & garage

ParkingDetached Garage, Asphalt, Finished Garage, Insulated Garage

Garage spaces3

Garage size780 sqft

Financial details

Annual taxes$3,327

Tax year2026

Taxes w/ assessments3474

Assessment pendingUnknown

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District319 - Nashwauk-Keewatin

District number319

District phone2182477306

High schoolNashwauk-Keewatin

SODL flat fee brokerage

$17,250Estimated buyer credit

SODL platform fee $3,000Your buyer credit $17,250

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

$4,050/mo

Principal & interest$3,547

Property taxes$277

Home insurance (est.)$225

Down payment

$135,000

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.