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 $3,152 (2025).

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 514 days.

No photos available

Listed at

$599,900

$212/sqft

28556 Water Street Trail

28556 Water Street Trail, Underwood, MN, 56586

3 Bedrooms3 Bathrooms2,826 Square Feet2.7 Acres

Days on market514

Year built2005

Garage spaces2

TypeResidential

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

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About this home

This rare waterfront gem on West Lost Lake offers a 3 bedroom, 3 bathroom rambler nestled on 2.7 private acres on a peninsula with 400 feet of combined shoreline. The home features a low maintenance metal and brick exterior with a nearly new roof, a spacious four season sunroom with a gas fireplace, a composite deck perfect for entertaining, dual-fuel heating, an irrigation system, and an oversized attached garage. West Lost Lake's 794 acres and 16 foot depth make it ideal for pan fishing, boating, and endless outdoor enjoyment. Don't miss your chance to roam free in this serene lake retreat.

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Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built2005

LevelsOne

Living area2,826 sqft

Above-grade finished1,776 sqft

Below-grade finished1,050 sqft

Lot size2.7 acres (Irregular)

Days on market514

ListedMay 2, 2025

MLS #NST6713702

CountyOtter Tail

Parcel #38000310238006

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Boiler, Forced Air, Radiant Floor
Cooling: Central Air
Appliances: Central Vacuum, Dishwasher, Electric Water Heater, Fuel Tank - Rented, Microwave, Range, Refrigerator, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 1,008 sqft
Parking features: Attached Garage, Gravel, Garage Door Opener
Other structures: Storage Shed
View: North, South
Waterfront: Lake Front

Construction

Property type: Residential
Property subtype: Single Family Residence
Construction materials: Brick/Stone, Steel Siding
Foundation: 1,776 sqft
Roof: Architectural Shingle
Year built: 2005

Utilities

Water: Drilled, Well
Sewer: Tank with Drainage Field
Electric: Circuit Breakers, 200+ Amp Service

Community & HOA

HOA: No HOA
School district: Underwood

Financial & listing details

Annual tax: $3,152 (2025)
Tax with assessments: 3152.0000
Listed: May 2, 2025
Days on market: 514 · 3 cumulative

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementSump Pump, Wood

HeatingBoiler, Forced Air, Radiant Floor

CoolingCentral Air

Fireplaces1

AppliancesCentral Vacuum, Dishwasher, Electric Water Heater, Fuel Tank - Rented, Microwave, Range, Refrigerator, Water Softener Owned

AccessibilityNone

Exterior & lot

RoofArchitectural Shingle

Foundation area1,776 sqft

Lot featuresAccessible Shoreline

Road frontageTownship

Road responsibilityPrivate Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceDrilled, Well

SewerTank with Drainage Field

Parking & garage

ParkingAttached Garage, Gravel, Garage Door Opener

Garage spaces2

Garage size1,008 sqft

Financial details

Annual taxes$3,152

Tax year2025

Taxes w/ assessments3152.0000

Assessment pendingNo

Down payment resourceY

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number550

District phone218-826-6101

High schoolUnderwood

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

$3,615/mo

Principal & interest$3,153

Property taxes$263

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.