Listed at
$499,000
$402/sqft

Whispering Oaks

28636 99th Street, Zimmerman, MN, 55398
3  Bedrooms1  Bathroom1,240  Square Feet0.92  Acres
Days on market69
Year built1910
ParkingGravel
TypeResidential
Est. $11,970buyer credit when you buy with SODL
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About this home

Exceptional year-round retreat on Sandy Lake featuring classic cabin charm, rich knotty pine, beautiful woodwork, and sunlit interiors with expansive water views. The main living area is anchored by a striking wood-burning stone fireplace and complemented by a spacious primary bedroom with walk-in closet, two bunk rooms, and a galley kitchen with maple cabinetry. Set on one of the lake’s premier lots, this nearly one-acre property offers 121 feet of pristine shoreline, a gentle slope to the water, stunning sunset views, and a peaceful sense of privacy. Sandy Lake is known for its exceptionally clean water and excellent swimming, making it the perfect setting for relaxing summer days at the lake. It is conveniently located less than an hour from almost anywhere in the Metro area. Mature shade trees and southern exposure provide cool summer breezes and added warmth in spring and fall, extending the lake season. Expanded to twice its original size, the home has been updated with modern electrical and heating systems while preserving its timeless character. Low-set windows fill the living areas with natural light and showcase tranquil lake views. An additional rear lot offers space for a detached garage, pole barn, guest quarters, or expanded recreation, adding rare flexibility and future potential.

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Home facts

Property typeResidential
Property subtypeSingle Family
Year built1910
LevelsOne
Living area1,240 sqft
Above-grade finished1,240 sqft
Below-grade finished0 sqft
Lot size0.92 acres (IRREGULAR)
Days on market69
ListedMay 5, 2026
MLS #NST7062654
CountySherburne
SubdivisionWhispering Oaks
Parcel #01004110305

Facts & features

Interior

Bedrooms
3
Bathrooms
1
Bath breakdown
1 3/4
Heating
Forced Air
Cooling
None
Appliances
Dishwasher, Microwave, Range, Refrigerator

Property

Levels / stories
One
Parking features
Gravel
Patio & porch
Patio
Exterior features
Stone, Wood
Other structures
Storage Shed
View
Lake

Construction

Property type
Residential
Property subtype
Single Family
Foundation
Block · 1,240 sqft
Roof
Age 8 Years or Less
Year built
1910

Utilities

Water
Well
Sewer
Septic System Compliant - Yes
Fuel
Natural Gas

Community & HOA

Subdivision
Whispering Oaks
HOA
No HOA
School district
477 - Princeton
High school district
Princeton

Financial & listing details

Annual tax
$2,344 (2026)
Listed
May 5, 2026
Days on market
69 · 22 cumulative
Manufactured home
Yes

Interior details

Total bathrooms1
Full baths0
3/4 baths1
Half baths0
1/4 baths0
BasementNone
HeatingForced Air
CoolingNone
Fireplaces1
AppliancesDishwasher, Microwave, Range, Refrigerator
DiningKitchen/Dining Room
AmenitiesMain Floor Primary Bedroom, Patio
AccessibilityNo Stairs External
Special features3 BR on One Level, Main Floor Bedroom

Exterior & lot

ExteriorStone, Wood
RoofAge 8 Years or Less
FoundationBlock
Foundation area1,240 sqft
Patio/porchPatio
ZoningResidential-Single Family

Utilities

Water sourceWell
SewerSeptic System Compliant - Yes
FuelNatural Gas

Parking & garage

ParkingGravel
Garage spaces0

Financial details

Annual taxes$2,344
Tax year2026
Taxes w/ assessments2344
Assessment pendingNo
Down payment resourceYes
Lender ownedNo
Short saleNo
ForeclosureNo

Schools

District477 - Princeton
District number477
District phone7633892422
High schoolPrinceton
SODL flat fee brokerage
$11,970Estimated buyer credit
SODL platform fee $3,000Your buyer credit $11,970

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

$2,984/mo
Principal & interest$2,622
Property taxes$195
Home insurance (est.)$166
%
$99,800
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

28636 99th Street, Zimmerman, MN, 55398

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Listing information

MLS #NST7062654
StatusClosed
Last updatedAug 27, 2026, 11:58 AM
Originally listedMay 14, 2026, 12:00 AM
Listing officeColdwell Banker Realty
Co-listing officeColdwell Banker 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.