Sold / Closed
$498,000

Sold price · Closed Aug 14, 2026

$243/sqft

Whispering Oaks

28615 99 1/2 Street, Zimmerman, MN, 55398
2  Bedrooms2  Bathrooms2,133  Square Feet0.49  Acres
Days on market89
Year built1970
Garage spaces2
HOA / month$30
TypeResidential
Est. $12,570buyer credit when you buy with SODL

About this home

Year-Round Crystal-Clear Living on Sandy Lake! Rare Opportunity on Sherburne County’s Premier Spring-Fed Gem Experience the unmatched clarity of Sandy Lake in this versatile walkout rambler. Known for its pristine, spring-fed waters, this lake is a true four-season playground. Whether you are cruising around the lake on your pontoon in July, launching a kayak from your private dock in September or cross-country skiing across the lake in January, this property offers the ultimate Minnesota lakefront lifestyle. Main Level: Views & Modern Comfort The heart of the home is a large, updated kitchen featuring sleek granite countertops and stainless steel appliances, perfect for prepping lake-day snacks or hosting holiday dinners. The main floor also hosts two comfortable bedrooms and a full bath, all flowing into a spectacular living room, sunroom and 4 season porch—your front-row seat to loon calls and golden sunsets. The Lower Level: Flexibility & Growth The walkout lower level currently hosts a large rec room with pool table, a quiet office (non-conforming 3rd bedroom), a cozy family room(a wall could easily be added to convert to a 4th bedroom),making this a perfect fit for growing needs or hosting weekend guests. A 3 season porch with electric fireplace, lounging and dining options, complete with a wine fridge,this is lake living at its best! The "X-Factor" Bonus Space Above the detached garage, discover a finished 800 sq. ft.(not included as finished square feet on the listing totals) loft. Currently used as expansive living space, this is primed to become a premier guest suite, studio, or office with the simple addition of heat and plumbing. Outdoor Paradise: Entertaining Deck: Oversized and ready for summer BBQs. Gentle elevation to the Lakefront: Features a patio, firepit area, and a lake platform. Private Dock: Ready for your boat! Updates & Features: 2 BR / 2 BA (with easy 3rd & 4th BR potential) Large Kitchen with Granite & Stainless Steel Walkout Rambler Design Multiple sun rooms& porches with lake views Detached Garage with 800 Sq Ft Finished Loft Spring-Fed, Clear Water Clarity South facing the lake for sunrise and sunset views Don’t miss your chance to own on one of the cleanest lakes in the county—schedule your private tour today!

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1970
LevelsOne
Living area2,133 sqft
Above-grade finished1,238 sqft
Below-grade finished895 sqft
Lot size0.49 acres (193x154x145x22x36x17x54x23)
Days on market89
ListedApr 21, 2026
MLS #NST7039924
CountySherburne
SubdivisionWhispering Oaks
Parcel #01004110110

Facts & features

Interior

Bedrooms
2
Bathrooms
2
Bath breakdown
1 full / 1 3/4
Heating
Forced Air, Space Heater, Wood Stove
Cooling
Window Unit(s)
Appliances
Dishwasher, Dryer, Exhaust Fan, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned, Wine Cooler

Property

Levels / stories
One
Garage
2 spaces · 26.31 · 806 sqft
Parking features
Detached Garage, Gravel, Electric, Garage Door Opener
Patio & porch
Deck, Patio, Porch
Exterior features
Vinyl
Pool
None

Construction

Property type
Residential
Property subtype
Single Family
Construction materials
Block, Frame
Foundation
Block · 895 sqft
Roof
Age Over 8 Years, Asphalt
Year built
1970

Utilities

Water
Drilled, Well
Sewer
Tank with Drainage Field
Fuel
Natural Gas
Electric
Circuit Breakers

Community & HOA

Subdivision
Whispering Oaks
HOA
$30/annual
HOA name
My Sandy Lake Association
HOA phone
6122038447
HOA includes
Other
School district
477 - Princeton

Financial & listing details

Annual tax
$2,486 (2025)
Listed
Apr 21, 2026
Days on market
89
Manufactured home
Yes

Interior details

Total bathrooms2
Full baths1
3/4 baths1
Half baths0
1/4 baths0
BasementBlock, Daylight/Lookout Windows, Finished, Partially Finished, Storage Space, Walkout
HeatingForced Air, Space Heater, Wood Stove
CoolingWindow Unit(s)
LaundryElectric Dryer Hookup, Lower Level, Laundry Room, Washer Hookup
AppliancesDishwasher, Dryer, Exhaust Fan, Freezer, Gas Water Heater, Microwave, Range, Refrigerator, Stainless Steel Appliances, Washer, Water Softener Owned, Wine Cooler
DiningInformal Dining Room
AccessibilityGrab Bars In Bathroom
Special featuresMain Floor Primary

Exterior & lot

ExteriorVinyl
RoofAge Over 8 Years, Asphalt
FoundationBlock
Foundation area895 sqft
Patio/porchDeck, Patio, Porch
Lot featuresAccessible Shoreline
Road frontageCity Street
Road responsibilityPublic Maintained Road
ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled, Well
SewerTank with Drainage Field
FuelNatural Gas

Parking & garage

ParkingDetached Garage, Gravel, Electric, Garage Door Opener
Garage spaces2
Garage size806 sqft

Financial details

Annual taxes$2,486
Tax year2025
Taxes w/ assessments2486
Assessment pendingNo
HOA fee$30
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District477 - Princeton
District number477
District phone7633892422
High schoolPrinceton
SODL flat fee brokerage
$12,570Estimated buyer credit
SODL platform fee $3,000Your buyer credit $12,570

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

$3,138/mo
Principal & interest$2,728
Property taxes$207
Home insurance (est.)$173
HOA fees$30
%
$103,800
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

28615 99 1/2 Street, Zimmerman, MN, 55398

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Listing information

MLS #NST7039924
StatusClosed
Last updatedAug 17, 2026, 1:06 PM
Originally listedApr 23, 2026, 12:00 AM
Listing officeLPT Realty, LLC

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.