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 $3,540 (2025).

What school district is this property in?

This property is in the 742 - St. Cloud school district.

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 0 days.

Listed at

$599,900

$311/sqft

Counters Kraemer Lake Lts

29607 Kraemer Lake Road, Saint Joseph, MN, 56374

4 Bedrooms2 Bathrooms1,932 Square Feet0.58 Acres

Days on market0

Year built1974

Garage spaces2

TypeResidential

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

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About this home

Wake up every morning to beautiful morning light and end your days watching spectacular sunsets over highly desired Kraemer Lake. This stunning 3-bedroom plus office, 2-bathroom home sits on a rare, perfectly level 0.5-acre lot with 100 feet of shoreline, offering the ultimate blend of peaceful lakefront living and incredible convenience—just minutes from charming St. Joseph, St. Cloud, and easy I-94 access. Designed to maximize its setting, the home features an east-facing front porch perfect for your morning routine, while the main living spaces open up to panoramic lake and sunset vistas. The modern kitchen features premium Cambria quartz countertops, rich maple finishes, a deep basin sink, and upgraded, lake-friendly luxury plank (LVP) flooring. A flexible lower level room serves as the perfect dedicated home office, while the private primary bedroom upstairs treats you to gorgeous lake views every single morning. The outdoor lifestyle here is unmatched. Enjoy a quiet cup of coffee on the screened-in back porch as the water creates a serene backdrop, or head down to the massive private dock (a negotiable item with the property) for a day on the lake. In the evening, the walk-out basement leads seamlessly to the patio fire pit, making it the premier spot to gather and watch the sun dip below the horizon. Don't miss your chance to own a slice of waterfront paradise—schedule a showing before this one is gone!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1974

LevelsOne

Living area1,932 sqft

Above-grade finished1,134 sqft

Below-grade finished798 sqft

Lot size0.58 acres (100x195x100x195)

Days on market0

ListedOct 6, 2026

MLS #NST7156536

CountyStearns

SubdivisionCounters Kraemer Lake Lts

Parcel #31212390000

Facts & features

Interior

Bedrooms: 4
Bathrooms: 2
Bath breakdown: 1 full / 1 3/4
Heating: Baseboard, Boiler
Cooling: Central Air
Appliances: Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 2 spaces · 24x23 · 552 sqft
Parking features: Attached Garage
Patio & porch: Front Porch, Patio, Rear Porch, Screened
Exterior features: Engineered Wood
Other structures: Gazebo

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block, Brick
Foundation: Block · 1,134 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1974

Utilities

Water: Drilled, Well
Sewer: Septic System Compliant - Yes
Fuel: Natural Gas
Electric: 150 Amp Service

Community & HOA

Subdivision: Counters Kraemer Lake Lts
HOA: No HOA
School district: 742 - St. Cloud
High school district: St. Cloud

Financial & listing details

Annual tax: $3,540 (2025)
Listed: Oct 6, 2026
Days on market: 0
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths1

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Drain Tiled, Finished, Full, Walkout

HeatingBaseboard, Boiler

CoolingCentral Air

Fireplaces1

LaundryLower Level

AppliancesCooktop, Dishwasher, Dryer, Microwave, Refrigerator, Wall Oven, Washer, Water Softener Owned

DiningEat In Kitchen, Informal Dining Room

AmenitiesCeiling Fan(s), Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Porch, Panoramic View, In-Ground Sprinkler, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Exterior & lot

ExteriorEngineered Wood

RoofAge Over 8 Years, Asphalt

FoundationBlock

Foundation area1,134 sqft

Patio/porchFront Porch, Patio, Rear Porch, Screened

Lot featuresAccessible Shoreline, Tree Coverage - Light

Road frontageCounty Road, Paved Streets

Road responsibilityPublic Maintained Road

ZoningShoreline,Residential-Single Family

Utilities

Water sourceDrilled, Well

SewerSeptic System Compliant - Yes

FuelNatural Gas

Parking & garage

ParkingAttached Garage

Garage spaces2

Garage size552 sqft

Financial details

Annual taxes$3,540

Tax year2025

Taxes w/ assessments3540

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District742 - St. Cloud

District number742

District phone3202539333

High schoolSt. Cloud

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

$3,648/mo

Principal & interest$3,153

Property taxes$295

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.